MPAY is a non-banking financial institution providing top-of-the-range mobile payment services, with the objective of satisfying the needs of our clients. Our main challenge remains being avant-garde in the prediction of new market trends and gauging their impact for both our clients and the domestic market. We are diligently following the latest trends of the telecom market both locally and worldwide. Therefore by now, we know that it is not a simple case of better technology or better handsets, as technology is always evolving but it is about providing the mobile payments solution to any subject having various goals in mind, which will undoubtedly lead to a wider array of more sophisticated services. MPAY is a complete mobile payment platform that works immediately on every existing cell phone. Transactions are securely performed using the most advanced technology in the safest possible manner. The MPAY model is very flexible and can accommodate a continuously growing range of value added services.