What is one of the main types of e-money according to the provided text?

Pre-paid cards represent one of the main types of e-money because they store value that can be used to make electronic transactions. Unlike traditional credit or debit cards, pre-paid cards are loaded with a specific amount of money before they can be used, allowing users to spend only what is on the card. This characteristic makes them particularly appealing to consumers who wish to manage their spending or those who may not have access to conventional banking services.

Pre-paid cards also facilitate easy transactions across various sectors, from retail to online payments, without the need for a bank account. This makes them a prevalent choice for many users looking for a simple and secure way to handle their funds electronically.