The global market for payment of goods, services and utilities is highly fragmented with major players like VISA/Mastercard providing the “rails”, but often there are no cross-border facilities in place for e.g. utility bill payment, and the un-banked or under- banked often have no access to VISA/Mastercard. However, we have developed some exciting products that aims to compete with traditional methods in delivery of financial services using technology to improve the activities in finance, thereby making payment seamless locally and across borders.