Can you explain to me how their ecommerce service works exactly?...

Can you explain to me how their ecommerce service works exactly? Or confirm if I've got it correctly:

Customers are automatically attached to the service through their bank's mobile banking system (sort of like BPay?). Customers use this service to historicaly pay mostly for bills (again like what we do with Bpay) but increasingly more gaming (is gaming like gambling or esports driven?).

If the above is correct, why so many receivables?