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In today’s world of fast technological change, progressive dematerialisation, and globally interconnected production and financial dynamics, alternative payment methods to cash are becoming increasingly important. These include credit/debit cards and mobile devices (cell phones, tablets, etc.). Countries and transnational institutions are also taking a strategic interest. Accelerating the transition to socio-economic systems no longer founded on the use of paper money – the "cashless society" – is essential. Only then can advanced countries keep pace with the new demand for services from businesses and the public, to seize the emerging opportunities of digitalisation, and to exploit systemic benefits, like enhanced transaction security, greater transparency, and whitening the economy.
Pay Reply is the Reply group company specialising in consultancy services and technology platforms for mobile payments. Pay Reply is a mobile payments solution provider and helps banks, financial institutions and telecommunications companies, utilities and retailers to create and deliver innovative remote and proximity payment services. Pay Reply’s technology asset is HI Credits, a platform that takes advantage of smartphone technologies to provide customisable, contextualised payment services. Pay Reply is the end-result of Reply’s vast experience and R&D investment in this area. Its customers and partners include leading companies such as 3 Italia, Banca Sella, Edenred, Fastweb, Mastercard, Olivetti, PosteMobile, TIM, Vodafone Italia and Wind.