The worldwide economic damage of total erosion of the euro zone is approximately 20 trillion euros. Therefore, the European Union needs Eurosystem 4.0 within the current trend of automation and data exchange in banking technologies. Eurosystem 4.0 inludes cyber-banking-physical systems, the Internet of banking things and cloud banking computing. The ability of companies and people to connect and communicate with each other via the Eurosystem 4.0 of Companies (EoC) or the Eurosystem 4.0 of People (EoP). The smartphone business has long been regarded as the overall growth market. The young market has concord in record speed the entire world and is an integral part of today's society. Recent years have witnessed the advances of e-money systems such as Bitcoin, PayPal and various forms of stored-value cards.