How do you like Amazon or Facebook or Google offering you banking services (if not all banking services, but some important ones)?

Amazon, Facebook and Google and their ilk, own two critically important items when it comes to being successful at consumer payments and loans: 1) the data and 2) the relationship with the customers.

In places like India and Mexico, Amazon.com Inc. is offering unique payments services and actively approaching finance-technology startups for investments and acquisitions!

In India, Amazon has a doorstep cash-pickup service that lets customers load money into a digital wallet.

It has also acquired or invested in several startups there, including Emvantage Payments and BankBazaar.

In Mexico, Amazon has a cash payment service meant to be an alternative to a credit or debit card.

In US, more than 33 million people use the Amazon’s payment system, and it has lent more than $3 billion to small businesses that sell on its platform since 2011. Early last year, the company introduced Amazon Cash, where users can load funds onto their Amazon account.