CartaMe is the ultimate customer ID solution. It eliminates the need for multiple loyalty cards by combining personal data with retail loyalty programs and a bank payment card in one. The CartaMe mobile app combines users' personal data with retail loyalty programs and a bank payment card, all in one. It transforms your payment card into a universal loyalty card, allowing customers to enjoy retail discounts and make payments with a single card in one easy step. Our solution has earned the prestigious VISA's Brand of the Year title. CartaMe's business approach focuses on addressing the hassle of managing multiple loyalty cards from various retailers. 1) A user signs up in the CartaMe mobile app and obtains a unique CartaMe ID code. 2) We synchronize the CartaMe ID and the user's data with retail loyalty programs and a bank card, transforming the bank card into a universal loyalty card. 3) We maintain the integrity of retailers' loyalty programs, allowing CartaMe users to access them through their CartaMe ID, which remains consistent across all retailers. We refer CartaMe ID as the Digital Customer Passport.