Ismail is on the couch today talking about WAFR, a mobile payment smartphone app that gives discounts to its users when they pay through the app. Closed-loop mobile wallet, you pay less when using and the businesses earn more while using it, for FMCG, grocers to grow their markets. A great loyalty program. We go to FMCGs and ask for discounts and show them how it can become profitable. 10% of the discount goes to us. 85% of the FMCG market is made up of grocers: mothers, children, more middle to lower-class adults.

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