Speaker: Sahar Salama, Founder and Head, T-Pay
T-PAY - Giving online merchants the ability to transact with 200+M subscribers in 19 + Operators in the MENA region using DCB. Born with the vision to avail the world most powerful mobile payment method in terms of coverage and user experience to fill the gap in MENA region.
M-Pesa Case study.
This is our last teamwork university project. This time we had to analyze M-Pesa, that is a mobile SIM card based company that facilitates the way to transfer money. M-Pesa is the first "Fintech" company because they used before everyone else the SIM card system to financial services purposes.
This app allows people to transfer money in safety and fast way.
This company was born in Kenya, they were the first to bring 4G in the country. M-Pesa represents a milestone for the African innovation ecosystem.
I want to thank my colleagues for the excellent workflow, for the collaboration during the process and for a full and totally work ethic.
Thanks to Sofia Auddino, Carlo Liviero, Giovanni Fabris, Alessandra Cancellari, Lucrezia Wally Bestetti, Francesco Ghezze.
And Thanks to H-FARM Education
#lessons #innovation #Africa #digitalpayments #bank
#economy #digital #hfarm
2018 - Thinking beyond borders in Global Retail Import Export TradeRolf
By Rolf Visser, "Thinking beyond borders in Global Retail" is all about the How and drivers for cross-border ecommerce. Cross-border e-commerce is a profound driver of positive-sum growth, far outpacing the growth of the economy as a whole. The unstoppable rise of a global e-commerce marketplace could create a trigger for governments to lower trade barriers and harmonize procedures and trade rules. Research includes rare Import and Export facts & figures.
M-Pesa Case study.
This is our last teamwork university project. This time we had to analyze M-Pesa, that is a mobile SIM card based company that facilitates the way to transfer money. M-Pesa is the first "Fintech" company because they used before everyone else the SIM card system to financial services purposes.
This app allows people to transfer money in safety and fast way.
This company was born in Kenya, they were the first to bring 4G in the country. M-Pesa represents a milestone for the African innovation ecosystem.
I want to thank my colleagues for the excellent workflow, for the collaboration during the process and for a full and totally work ethic.
Thanks to Sofia Auddino, Carlo Liviero, Giovanni Fabris, Alessandra Cancellari, Lucrezia Wally Bestetti, Francesco Ghezze.
And Thanks to H-FARM Education
#lessons #innovation #Africa #digitalpayments #bank
#economy #digital #hfarm
2018 - Thinking beyond borders in Global Retail Import Export TradeRolf
By Rolf Visser, "Thinking beyond borders in Global Retail" is all about the How and drivers for cross-border ecommerce. Cross-border e-commerce is a profound driver of positive-sum growth, far outpacing the growth of the economy as a whole. The unstoppable rise of a global e-commerce marketplace could create a trigger for governments to lower trade barriers and harmonize procedures and trade rules. Research includes rare Import and Export facts & figures.
The whitepaper presents a holistic view of the digital retail space. It decodes the impact of technologies like NFC, Beacons and Apple Pay while giving a glimpse into trends and challenges associated with m-Commerce.
Over the last decade, Africa has become a global leader in mobile money with the rate of smartphone adoption at twice the global scale. But what challenges is the industry facing and how can these be overcome? Our new article, sponsored by Mazars, explores.
Big wins are to be had by travel merchants that capitalize on this enthusiasm for mobile and integrate a seamless payment flow into their mobile experience. But while some industry leaders are already reaping the rewards, it is still early days for mobile payments in travel. Adyen's Mobile Payments Index - Travel Edition provides a detailed breakdown of travel mobile payments and insights direct from industry experts.
MOL's zGold-MOLPoints platform is a world leading payment platform for online games, virtual goods and digital services for the emerging market with low credit cards penetration and high unbanking population.
Biggest Vietnam Mobile Content and Service ProviderVO Tu Duc
An introduction about the biggest Mobile Content and Service Provider in Vietnam.
We are welcome all you guys for cooperation in Mobile VAS in Vietnam Market.
Sample Report: Global Mobile Payment Methods: Full Year 2015yStats.com
Free Report Samples for our publication "Global Mobile Payment Methods: Full Year 2015 ".
Find the full report available for purchase at: https://ystats.com/shop/global-mobile-payment-methods-2021-and-post-covid-19s-recovery/
Souq.com Marketplace - Your Gateway to E-Commerce in MENASherif Magdy
If you are a Manufacturer, wholesaler, distributor, retailer or an Individual seller, then this material helps you to reach your potential customers at a Zero Cost opportunity, while having Souq.com e-commerce experts' support to grow your online business.
The Fintech Vietnam Startup Overview. Now counting 39 original Vietnamese Fintech Startups. Any feedback more than welcome.
Check also the article here http://fintechnews.sg/2838/studies/vietnam-fintech-startup-report-update-explores-vietnams-massive-fintech-opportunities/
The objective of this document is to unveil key aspects of the new payment methods that are changing our lives: the mobile payment. Leveraging the most updated data mined by Observatory NFC & Mobile Payment and taking a closer look at the Cashlog case, as an example of payment solution system for both merchants and customers that allows to sell or buy digital goods of low unit value (0,99€ - 15€) by using the mobile phone .
Mobile Payment is a composite payment model which encompasses different paradigms, all characterized by the use of the Mobile phone as their primary means of interaction.
There is a shift from paying “up close” in which the phone "emulates" a payment card (Mobile Proximity Payment), and the payment of services from a distance (remote) via SMS or Applications (Mobile Remote Payment), to managing in a broad sense, the entire process of purchase and payment remotely (mobile commerce) and the transfer of money between users or between users and financial institutions (Mobile Money Transfer). The common feature of these paradigms is the use of the phone and its distinctive features to innovate the payment methods: the huge population penetration (more than 5 billion devices worldwide), mobility, extreme portability and interactivity. However, the differences between the different paradigms are such that, beyond some common premises, the analysis of this present situation, the potentials and developments need to be addressed separately.
Focalizing to the expectation versus reality the research of Observatory NFC & Mobile Payment evaluate the different types of mobile payment.
Tagcash Description for article on Fintechnews.sg , see http://fintechnews.sg/1440/mobile-payment/tagcash-social-media-payments-loyalty-programs-combined-one-platform/
The ArabNet Workshop took place yesterday in Cairo. The gathering was organized by Muhammad Mansour and sponsored by Souq.com. The workshop brought together over twentyone entrepreneur from startups, web-developers, geeks and journalists interested in the attention space. It was a very refreshing, open and candid dialog about the different issues and faces of Entrepreneurship.
The whitepaper presents a holistic view of the digital retail space. It decodes the impact of technologies like NFC, Beacons and Apple Pay while giving a glimpse into trends and challenges associated with m-Commerce.
Over the last decade, Africa has become a global leader in mobile money with the rate of smartphone adoption at twice the global scale. But what challenges is the industry facing and how can these be overcome? Our new article, sponsored by Mazars, explores.
Big wins are to be had by travel merchants that capitalize on this enthusiasm for mobile and integrate a seamless payment flow into their mobile experience. But while some industry leaders are already reaping the rewards, it is still early days for mobile payments in travel. Adyen's Mobile Payments Index - Travel Edition provides a detailed breakdown of travel mobile payments and insights direct from industry experts.
MOL's zGold-MOLPoints platform is a world leading payment platform for online games, virtual goods and digital services for the emerging market with low credit cards penetration and high unbanking population.
Biggest Vietnam Mobile Content and Service ProviderVO Tu Duc
An introduction about the biggest Mobile Content and Service Provider in Vietnam.
We are welcome all you guys for cooperation in Mobile VAS in Vietnam Market.
Sample Report: Global Mobile Payment Methods: Full Year 2015yStats.com
Free Report Samples for our publication "Global Mobile Payment Methods: Full Year 2015 ".
Find the full report available for purchase at: https://ystats.com/shop/global-mobile-payment-methods-2021-and-post-covid-19s-recovery/
Souq.com Marketplace - Your Gateway to E-Commerce in MENASherif Magdy
If you are a Manufacturer, wholesaler, distributor, retailer or an Individual seller, then this material helps you to reach your potential customers at a Zero Cost opportunity, while having Souq.com e-commerce experts' support to grow your online business.
The Fintech Vietnam Startup Overview. Now counting 39 original Vietnamese Fintech Startups. Any feedback more than welcome.
Check also the article here http://fintechnews.sg/2838/studies/vietnam-fintech-startup-report-update-explores-vietnams-massive-fintech-opportunities/
The objective of this document is to unveil key aspects of the new payment methods that are changing our lives: the mobile payment. Leveraging the most updated data mined by Observatory NFC & Mobile Payment and taking a closer look at the Cashlog case, as an example of payment solution system for both merchants and customers that allows to sell or buy digital goods of low unit value (0,99€ - 15€) by using the mobile phone .
Mobile Payment is a composite payment model which encompasses different paradigms, all characterized by the use of the Mobile phone as their primary means of interaction.
There is a shift from paying “up close” in which the phone "emulates" a payment card (Mobile Proximity Payment), and the payment of services from a distance (remote) via SMS or Applications (Mobile Remote Payment), to managing in a broad sense, the entire process of purchase and payment remotely (mobile commerce) and the transfer of money between users or between users and financial institutions (Mobile Money Transfer). The common feature of these paradigms is the use of the phone and its distinctive features to innovate the payment methods: the huge population penetration (more than 5 billion devices worldwide), mobility, extreme portability and interactivity. However, the differences between the different paradigms are such that, beyond some common premises, the analysis of this present situation, the potentials and developments need to be addressed separately.
Focalizing to the expectation versus reality the research of Observatory NFC & Mobile Payment evaluate the different types of mobile payment.
Tagcash Description for article on Fintechnews.sg , see http://fintechnews.sg/1440/mobile-payment/tagcash-social-media-payments-loyalty-programs-combined-one-platform/
The ArabNet Workshop took place yesterday in Cairo. The gathering was organized by Muhammad Mansour and sponsored by Souq.com. The workshop brought together over twentyone entrepreneur from startups, web-developers, geeks and journalists interested in the attention space. It was a very refreshing, open and candid dialog about the different issues and faces of Entrepreneurship.
bagaimana bila animasi ditemukan dengan dunia Web? apa potensinya? disini saya mencoba menjelaskan sedikit tetntang potensi itu, masih bersambung atau akan disempurnakan...
Patient Engagement Systems Smarter HealthcareJames Rose
Patient Engagement Systems has delivered the industry’s first platform that enables providers and health plans to more effectively identify, engage with, and manage patients with chronic conditions.
By turning clinical data into better outcomes, Patient Engagement Systems is helping make healthcare smarter by creating more informed decisions and better value that will be required of our new healthcare system.
Cẩm nang doanh nghiệp toàn cầu này được tạo ra để giúp bạn khám phá cách Facebook có thể giúp doanh nghiệp phát triển. Bạn sẽ tìm thấy nhiều thông tin để giúp giao tiếp hiệu quả với khách hàng tiềm năng trên khắp thế giới.
Understanding the professionals using a qualitative mobile app to explore the...Merlien Institute
at Market Research in the Mobile World Europe
23 - 26 September 2014, Belin, Germany
This event is proudly organised by Merlien Institute
Check out our upcoming events by visiting http://www.mrmw.net
Get access to a list of online payment gateway providers in the UAE. Check online payment gateway solution and Fraud prevention system for your business
What an All-in-one Payment Platform Means for Commerce & Your Bottom LineKimberly Rowell
Ralph Dangelmaier, CEO of BlueSnap delivered this presentation "What an All-in-one Payment Platform Means for Commerce & your Bottom line" at the Payments & Fraud360 event in Boston.
DOCOMO Digital is a new mCommerce enabler service brand of NTT DOCOMO’s global business focused on connected ecosystem enabling, helping mobile operators, access service providers, merchants and over-the-top services providers bring to market and operate next-generation products and services for business and consumers world wide.
Mobile payments landscape in Zimbawe | Beyond 2015Evolys Digital
How can businesses benefit from the Mobile Payments Revolution in Zimbabwe, and what is the future like for those who want to venture into the mobile payments landscape. Evolys Digital
Business models in Digital Financial ServicesPeter Zetterli
There are a variety of business models for digital financial services, depending in part on the core business of the provider. This presentation provides a conceptual framework to delineate different models and provides in-depth examples of the most common ones, including the bank-led and the MNO-led DFS business model as well as the 3rd party model.
E-commerce Berlin Expo 2017 - Understanding Merchant Growth Paths in the Digi...E-Commerce Berlin EXPO
The eCommerce disruption opportunity is here. With $2.3 trillion spent online annually, 1.6 billion people shopping online in 2016 and $1.0 trillion predicted in cross-border spending by 2020, the opportunities for merchant growth have never been so significant, varied and fast. ACI will present a framework for understanding merchant growth paths, and will discuss - using use cases and real-world examples - how merchants can select the most suitable growth strategies for their business.
DigiPay.guru is boosting the digital revolution by helping startups and enterprises to digitize their business with its top-notch digital payment solutions.
Digipay.guru Empowering fintech innovators.pdf
Tackling Cyber Threats in Banking Digitization by KRYPTON Security - ArabNet ...ArabNet ME
This session is dedicated to topic of Cyber or Information Security. The intent is to familiarize the audience with the current context, required strategy to tackle the related topics and a potential approach.
Keynote: Open Banking - To be or not to be? by Open Bank Project by ArabNet B...ArabNet ME
Simon Redfern introduces the why's, what's and how's
of Open Banking and asks if its possible for banks not to be "open".During this presentation, the audience will be taken on a whistle stop tour of Open Banking APIs, Innovation, Apps and Regulation. Attendees will learn why banks worldwide are prioritizing API initiatives - and gain ideas and insights that will support their own open banking journey.
The Triangle to Media Success: How to Leverage your Edit, Ads and Audience to...ArabNet ME
Successful digital media properties require a convergence of three areas: editorial, revenue & audience. Over the course of this talk, you’ll learn how to marry the three to carve out where your product fits in a person’s consumption habits and how to leverage that.
Speaker: Dan Maccarone, Co-Founder & CEO, Charming Robot
With GDPR looming over the horizon, moving creativity up the adtech agenda makes more sense than ever. NEXD CTO, Erik Tammenurm is here to help you understand how creativity can benefit brands, agencies and publishers in a post-GDPR world.
Talk was given during Arabnet Digital Summit 2018 - Dubai, UAE.
Speaker: Erik Tammenurm, Co-Founder and CTO, NEXD
what3words: The future of autonomy and voice control at ArabNet Digital Summi...ArabNet ME
How will people interact with machines in the future? Traditional addressing wasn't designed to be able to define accurate locations using voice technology. what3words provides a solution.
Speaker: Alex Perez-Fragero, Director - Strategic Partnerships, what3words
Keynote: The State of the European Tech Industry at ArabNet Digital Summit 2018ArabNet ME
Investment in the European tech-scene reached an all time high in 2017. The established European tech-hubs developed through strong corporate backing, while up and coming hubs have stronger public private partnerships.
Speaker: Nicolai Strøm-Olsen, Author and Founder, Startup Migrants and Kunstforum
Keynote: Alternative Funding: IPO vs ICO at ArabNet Digital Summit 2018ArabNet ME
Jonathan Nelson founded the largest network of tech founders globally advised the SEC on the challenges of small businesses raising capital. His presentation is on Alternative Funding: IPO vs ICO.
Speaker: Jonathan Nelson, Managing Director of Hack Fund, Founder and CEO of Hackers / Founders
Unlock Your Marketing Potential with the Power of AI by IBM at ArabNet Riyadh...ArabNet ME
The world of marketing and advertising is bound for some major changes in the next few years due to the introduction of AI technology into the field. Heba Sayed makes the case for the use of AI in marketing as a powerful tool to help marketers and agencies understand their customers better, optimize their marketing spend and improve customer satisfaction.
E-commerce in a nutshell by ZID at ArabNet Riyadh 2017ArabNet ME
Get to understand the supply chain in e-commerce from sourcing to customer care and ask the right questions for each part of the eRetail transformation journey. A workshop by Mazen ElDarrab
Blockchain: Transforming Industries by Fintricity at ArabNet Riyadh 2017
Enabling Online Mobile Payment in MENA talk by T-Pay; ArabNet Beirut 2015
1. ENABLING ONLINE MOBILE
PAYMENT IN MENA
FIRST DIRECT OPERATOR BILLING
SERVICE IN THE REGION
www.T-PAY.me - ArabNet Beirut 2015
2. T-PAY at a glance
• Launched 2014 as the First Direct Billing Service in
MENA
• Born to enable Online Business Monetization in
the region
• T-PAY Connects to MENA Operators to enable one
simple integration for Merchants
• Giving Merchants the ability to transact with
200M+ potential users
• In one year - 19 operators in 9 Countries covered
with DCB out of the 40+ covered with PSMS
www.T-PAY.me - ArabNet Beirut 2015
3. T-PAY Connects to MENA Operators to enable
one simple integration for Merchants
Merchants OperatorsAcquirer Network
www.T-PAY.me - ArabNet Beirut 2015
4. Giving Merchants the ability to
transact with 200M+ potential users
200+ M
Potential User in ME
19
Operators
9
Countries
www.T-PAY.me - ArabNet Beirut 2015
6. Payment Industry
Experiencing Great disruption
Not supply-led
and bank-centric
led business
anymore.
Growing demand of
simplified payment
as a service from
merchants
Payment vendors
will continue to
Consolidate and
Innovate.
Source- Ovum View 2014www.T-PAY.me - ArabNet Beirut 2015
9. Global Mobile Payment Perspective
The user demand for convenient and intelligent ways for making payments
for goods and services by using a mobile phone is creating exciting opportunities
for those organizations that are part of the mobile
payment ecosystem.
www.T-PAY.me - ArabNet Beirut 2015
10. 51%
Middle East and Africa are experience the highest Internet traffic growth in the
2012 to 2016 at 51% and Internet gaming is expected to grow in line with this
expansion at an average compound rate of 39% in the same timeframe.
39%
Internet traffic growth Internet gaming
www.T-PAY.me - ArabNet Beirut 2015
11. CC penetration is
low vs. Mobile
Prepaid cards
market
fragmented,
and highly
inconvenient
Cash on
Delivery still
king, risky to
merchants,
with high costs
But the existing payment methods are
failing to capture the opportunity!
www.T-PAY.me - ArabNet Beirut 2015
12. Why direct carrier billing is huge?
There are 7.14 Billion people in the world.
6.8 Billion have mobile phone accounts.
Only 3.5 Billion have bank accounts.
Out of those 3.5 Billion who have bank accounts only
2.15 billion have credit cards.
Which means that there are 4.99 Billion people who
are in need of an easy, fast and secure payment method
www.T-PAY.me - ArabNet Beirut 2015
13. Going Mobile means
Mobile has shifted from
messaging to experience
Smartphones are everywhere
especially in the region
It is not only more smartphones
it is also more often
www.T-PAY.me - ArabNet Beirut 2015
15. Online Purchases trends in MENA
40%
• Currently 40% of users are buying
online.
www.T-PAY.me - ArabNet Beirut 2015
16. Online Purchases trends in MENA
$9
Billions
• B2C e-commerce $9 Billions in 2012
reaching $15 Billion 2015 – 5 Billion will be
on mobile.
$15
Billions
2012 2015
www.T-PAY.me - ArabNet Beirut 2015
17. Online Purchases trends in MENA
41%
• 41% online Gaming and 15%
Entertainment – so more than 55% of
buying power is on digital.
15%
Online Gaming Entertainment Digital
55%
www.T-PAY.me - ArabNet Beirut 2015
18. Online Gaming MENA numbers!
38%
• With a focus on the gaming industry 38%
of the 1.8 Billion online gamers come
from the MENA Region.
of the 1.8 Billion
online gamers
www.T-PAY.me - ArabNet Beirut 2015
19. Online Gaming MENA numbers!
• Online Gaming is an industry worth $24 Billion
annually out of the $63B in 2012.
• Industry growing at 6.5% annually through 2017
worth $87B from $63B (source - PriceWaterhousecooper)
• MENA gets 2% of that number with a 40% year over
year growth.
• MENA is the fastest growing region globally however
it’s the most underserved on terms of payment.
$20
Billion annually
www.T-PAY.me - ArabNet Beirut 2015
20. Massive Internet and Mobile Penetration
is driving growth in gaming Industry
• MENA Gaming industry is estimated to
be between $1 Billion to $2.6 Billion
• 2nd largest mobile population in the
world 528.8 Millions
• 60% of which is below 25 years
• Arabic is the Main Language
www.T-PAY.me - ArabNet Beirut 2015
21. Online Industry Growth Challenges
Local Infrastructure
Optimizing the digital Experience
• Every 100 Millisecond delay on load time = decreases Sales
by 1% (amazon)
• ½ second delay in loading search results = decreases traffic
and revenue by 20% (Google)
• 1 second delay in page load= 7% decrease in conversion
E-payment platforms
Localization of content
www.T-PAY.me - ArabNet Beirut 2015
22. Mobile in app purchases dominates
www.T-PAY.me - ArabNet Beirut 2015
23. 5/6
• 5 out of 6 users prefer direct carrier billing
over credit cards, 14 out of 20 prefer direct
billing over all other payment methods!
Prefer
direct carrier billing
over
credit cards
14/20
Prefer
direct carrier billing
over
all other payment methods
www.T-PAY.me - ArabNet Beirut 2015
24. • Merchants with bigger selection receive more orders per
customers i.e.: adding new items regularly re-engage paying
customers.
• 1-14% of the customers generate 30% of the transactions.
• Most of us have too much concentration on low prices while the sales is
more on high price points.
• The top performers have higher average price points- you can charge more
in the right place and time.
Why DOB Flexible Pricing features matters?
Amazon Says:
1-14% 30%
Source GDC 2014
www.T-PAY.me - ArabNet Beirut 2015
25. A delay of just 3 months can result in a
loss of millions of dollars
www.T-PAY.me - ArabNet Beirut 2015
26. Carriers
(Integrated to
Billing System).
T-Pay
(State of Art system,
security standards,
monitoring & Reporting).
Merchants
(Established
relationships for
digital & physical
goods).
Infrastructure
(Marketing, Operations, Call Center, Logistics).
A unique Regional eco-system
empowering Operator billing B2B2B
A complete ecosystem to empower
your success
www.T-PAY.me - ArabNet Beirut 2015
27. Best in Breed User Experience
Single service – diversity of users experience
Less integration and set up effort, more revenue and more happy
customers.
TPAY widget on Desktop & Mobile
www.T-PAY.me - ArabNet Beirut 2015
28. Partnering with T-PAY Grow online Revenues
Increase Conversion
User Experience
Optimization multiple
flow
Customized Animation
campaigns and
Seasonality events
24/7 customer care
with proactive
scenarios
Acquire New Paying
Users
We do what it takes to
make it work in terms of
customer experience and
Technology.
www.T-PAY.me - ArabNet Beirut 2015
29. T-PAY offers the most advanced Carrier Billing
Platform
Maximum Flexibility Any device streamlined
Customer experience
B2B Merchant Onboarding tools
Customer 360 Portal view availed as APIs for
integration with CRMs
Full Ticketing and complaint management system
covering all parties in the payment process
Reporting and analytics to operator, merchant and
end user
White Labeled/reseller model
One time and Subscription support
www.T-PAY.me - ArabNet Beirut 2015
30. Who we are?
T-PAY is one of the newest ventures of ArpuPlus.
ArpuPlus is launched in 2003, this dynamic company is an OT
Ventures subsidiary that is fully owned by Orascom Telecom
Media and Technology Holding S.A.E. ("OTMT")
Specialized in providing Value Added Services (VAS) and
monetization platform solutions for 12 + years.
www.T-PAY.me - ArabNet Beirut 2015
31. About Us
About Arpu Plus
Arpu plus is specialized in providing value added services and monetization platform solutions for
more than 10 years. Pioneering new ventures and consistently providing the finest services and
efficient solutions, Arpu plus is an OTVentures subsidiary. They have offices in Algeria, Tunisia,
Morocco, Sudan, Dubai, KSA, Jordan, Yemen, Pakistan, Bangladesh, Italy, the UAE, and a head
office in Egypt.
About OTVentures
OTVentures creates a powerful customer experience through its online and mobile solutions
portfolio. OTVentures empowers brands, governments, and consumers through a diverse blend
of digital solutions spanning social marketing, content services, mobile Value Added Services
(VAS), solution development, and hosting services. Through our innovative digital products we
touch the lives of more than 50% of MENA internet users, and 72% of MENA mobile subscribers
every day. With exclusive partnerships with the most prominent global players (Twitter, msn and
more than 100 content providers), we provide exposure and reach that creates strong, lasting
impacts for our clients. OTVentures has over 16 offices covering all markets across the Middle
East and North Africa and Turkey in addition to Canada, Italy, Pakistan, and Bangladesh.
.
www.T-PAY.me - ArabNet Beirut 2015
32. Our Offices
Algeria, Tunisia, Morocco, Sudan,
Yemen, Iraq, Palestine, UAE, KSA,
Qatar, Pakistan, Bangladesh and Italy
in addition to the head office in Egypt.
www.T-PAY.me - ArabNet Beirut 2015