The emphasis and focus on 3.0 is universal bill payment system with reward telecoms
1) topup over 140 countries
2) TV
3) toll
4) internet
5) groceries
6) shopping
7) hotels
transportation
9) restaurants
10) clubs and lounges
11) academics
12) churches & NGOs
13) professional services
14) boutique
15) pharmacy
16) Government fees
17) electricity
18) sport betting
19) flights
20)

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