If previously online buying services were restricted to those having a bank account, now, they can be accessed by everyone. This has been possible because of the introduction of the direct operator billing technology, on which SMS+ and Internet+ are based. This is an infrastructure that was created when fintech firms came together with mobile operators and content developers. Banks are not involved at all. As such, you do not need a credit card or a debit card to complete a purchase. Just a mobile account and a device that is connected to the Web is needed. Thus, Digital Global Pass promotes financial inclusion.

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