OSLO, NORWAY – 13 September 2022 – The share capital increase of 10,000 new shares in Zwipe AS, as resolved by the board meeting of the company on 29 August 2022, has today been registered in the Norwegian Register of Business Enterprises. The new share capital is NOK 3,755,168.50, and the new number of shares and votes is 37,551,685.
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This information is subject to the disclosure requirements in Regulation EU 596/2014 article 19 number 3 and the Norwegian Securities Trading Act section 5-12, and is information that Zwipe AS is obligated to make public pursuant to the continuing obligations of companies admitted to trading on Euronext Growth Oslo (Euronext Growth Oslo Rule Book – Part II) and on Nasdaq First North Growth Market. Certified Adviser on Nasdaq First North is FNCA Sweden AB, info@fnca.se. The information was submitted for publication, through the agency of the contact person set out below, at 14:15 on 13 September 2022.
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About Zwipe
Zwipe believes the inherent uniqueness of every person is the key to a safer future. We work with great passion across networks of international organizations, industries and cultures to make convenience safe and secure. We are pioneering next-generation biometric card and wearables technology for payment and physical & logical access control and identification solutions. We promise our customers and partners deep insight and frictionless solutions, ensuring a seamless user experience with our innovative biometric products and services. Zwipe is headquartered in Oslo, Norway, with a global presence. To learn more, visit http://www.zwipe.com.
For more information, please contact:
Danielle Glenn, CFO and Head of IR
+47 909 98 201
danielle@zwipe.com
OSLO, NORWAY – 8 September 2022 – The share capital increase of 25,000 new shares in Zwipe AS, as resolved by the board meeting of the company on 27 June 2022, has today been registered in the Norwegian Register of Business Enterprises. The new share capital is NOK 3,754,168.50, and the new number of shares and votes is 37,541,685.
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This information is subject to the disclosure requirements in Regulation EU 596/2014 article 19 number 3 and the Norwegian Securities Trading Act section 5-12, and is information that Zwipe AS is obligated to make public pursuant to the continuing obligations of companies admitted to trading on Euronext Growth Oslo (Euronext Growth Oslo Rule Book – Part II) and on Nasdaq First North Growth Market. Certified Adviser on Nasdaq First North is FNCA Sweden AB, info@fnca.se, +46 (0) 8528 00 399. The information was submitted for publication, through the agency of the contact person set out below, at 07:00 on 8 September 2022.
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About Zwipe
Zwipe believes the inherent uniqueness of every person is the key to a safer future. We work with great passion across networks of international organizations, industries and cultures to make convenience safe and secure. We are pioneering next-generation biometric card and wearables technology for payment and physical & logical access control and identification solutions. We promise our customers and partners deep insight and frictionless solutions, ensuring a seamless user experience with our innovative biometric products and services. Zwipe is headquartered in Oslo, Norway, with a global presence. To learn more, visit http://www.zwipe.com.
For more information, please contact:
Danielle Glenn, CFO and Head of IR
+47 909 98 201
danielle@zwipe.com
OSLO, NORWAY – 25 August 2022 – Zwipe AS, a leading provider of biometric payment card solutions, is proud to announce that it has obtained the Component Conformity Statement (“CCS”) certificate from Mastercard for the Zwipe Pay platform, the most advanced and integrated biometric card solution available to all Smart Card Manufacturers (“SCMs”) in the market today.
This CCS certificate enables Zwipe’s customers, the SCMs, to leverage Zwipe’s certification results to obtain a Letter of Approval ( “LoA”) from Mastercard for their own biometric payment cards built on the Zwipe Pay platform.
Zwipe successfully passed all tests required to obtain the Mastercard CCS certificate. This certification confirms that the Zwipe Pay biometric payment card platform meets all the security, reliability, functionality, and performance standards required by Mastercard. Zwipe’s complete end-to-end biometric payment card platform is now ready for full adoption by SCMs to produce Mastercard cards.
Issuers can now work with their SCMs to develop and launch biometric payment cards based on Zwipe Pay, and leverage Mastercard’s global network to deliver Mastercard biometric payment cards throughout the world. Issuers will have the opportunity to create differentiation, accelerate customer acquisition, uplift loyalty and create new revenue streams. Consumers will benefit from more convenient, safe, and secure ways to pay.
“Having the Zwipe Pay platform certified by Mastercard is a significant milestone and major step forward for Zwipe and our customers. This development will further accelerate issuer pilots and planned launches based on Mastercard’s network. The pathway is now open for Smart Card Manufacturers and issuers all over the world to certify, produce and deploy Mastercard biometric cards based on Zwipe Pay,” said Robert Puskaric, CEO of Zwipe.
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This information is subject to the disclosure requirements in Regulation EU 596/2014 article 19 number 3 and the Norwegian Securities Trading Act section 5-12, and is information that Zwipe AS is obligated to make public pursuant to the continuing obligations of companies admitted to trading on Euronext Growth Oslo (Euronext Growth Oslo Rule Book – Part II) and on Nasdaq First North Growth Market. Certified Adviser on Nasdaq First North is FNCA Sweden AB, info@fnca.se, +46 (0) 8528 00 399. The information was submitted for publication, through the agency of the contact person set out below, at 11.15 on 25 August 2022.
About Zwipe
Zwipe believes the inherent uniqueness of every person is the key to a safer future. We work with great passion across networks of international organizations, industries and cultures to make convenience safe and secure. We are pioneering next-generation biometric card and wearables technology for payment and physical & logical access control and identification solutions. We promise our customers and partners deep insight and frictionless solutions, ensuring a seamless user experience with our innovative biometric products and services. Zwipe is headquartered in Oslo, Norway, with a global presence. To learn more, visit http://www.zwipe.com.
For more information, please contact:
+47 909 98 201
danielle@zwipe.com
This CCS certificate enables Zwipe’s customers, the SCMs, to leverage Zwipe’s certification results to obtain a Letter of Approval ( “LoA”) from Mastercard for their own biometric payment cards built on the Zwipe Pay platform.
Zwipe successfully passed all tests required to obtain the Mastercard CCS certificate. This certification confirms that the Zwipe Pay biometric payment card platform meets all the security, reliability, functionality, and performance standards required by Mastercard. Zwipe’s complete end-to-end biometric payment card platform is now ready for full adoption by SCMs to produce Mastercard cards.
Issuers can now work with their SCMs to develop and launch biometric payment cards based on Zwipe Pay, and leverage Mastercard’s global network to deliver Mastercard biometric payment cards throughout the world. Issuers will have the opportunity to create differentiation, accelerate customer acquisition, uplift loyalty and create new revenue streams.
Consumers will benefit from more convenient, safe, and secure ways to pay.
“Having the Zwipe Pay platform certified by Mastercard is a significant milestone and major step forward for Zwipe and our customers. This development will further accelerate issuer pilots and planned launches based on Mastercard’s network. The pathway is now open for Smart Card Manufacturers and issuers all over the world to certify, produce and deploy Mastercard biometric cards based on Zwipe Pay,” said Robert Puskaric, CEO of Zwipe.
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This information is subject to the disclosure requirements in Regulation EU 596/2014 article 19 number 3 and the Norwegian Securities Trading Act section 5-12, and is information that Zwipe AS is obligated to make public pursuant to the continuing obligations of companies admitted to trading on Euronext Growth Oslo (Euronext Growth Oslo Rule Book – Part II) and on Nasdaq First North Growth Market. Certified Adviser on Nasdaq First North is FNCA Sweden AB, info@fnca.se, +46 (0) 8528 00 399. The information was submitted for publication, through the agency of the contact person set out below, at 11.15 on 25 August 2022.
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About Zwipe
Zwipe believes the inherent uniqueness of every person is the key to a safer future. We work with great passion across networks of international organizations, industries and cultures to make convenience safe and secure. We are pioneering next-generation biometric card and wearables technology for payment and physical & logical access control and identification solutions. We promise our customers and partners deep insight and frictionless solutions, ensuring a seamless user experience with our innovative biometric products and services. Zwipe is headquartered in Oslo, Norway, with a global presence. To learn more, visit http://www.zwipe.com.
For more information, please contact:
Danielle Glenn, CFO and Head of IR
+47 909 98 201
danielle@zwipe.com
OSLO, NORWAY – 24 August 2022 – KAD Group AS, a company 100% owned by the CFO of Zwipe AS, Danielle Glenn, has today acquired 12,000 shares in Zwipe AS. After this transaction, KAD Group AS holds 12,000 shares in Zwipe AS.
The shares were acquired on Euronext Growth Oslo at a price of 8.30.
Attached is a copy of the form submitted to the Norwegian FSA, Finanstilsynet, reporting the transaction as listed above.
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This information is subject to the disclosure requirements in Regulation EU 596/2014 article 19 number 3 and the Norwegian Securities Trading Act section 5-12, and is information that Zwipe AS is obligated to make public pursuant to the continuing obligations of companies admitted to trading on Euronext Growth Oslo (Euronext Growth Oslo Rule Book – Part II) and on Nasdaq First North Growth Market. Certified Adviser on Nasdaq First North is FNCA Sweden AB, info@fnca.se, +46 (0) 8528 00 399. The information was submitted for publication, through the agency of the contact person set out below, at 12:15 on 27 June 2022.
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About Zwipe
Zwipe believes the inherent uniqueness of every person is the key to a safer future. We work with great passion across networks of international organizations, industries and cultures to make convenience safe and secure. We are pioneering next-generation biometric card and wearables technology for payment and physical & logical access control and identification solutions. We promise our customers and partners deep insight and frictionless solutions, ensuring a seamless user experience with our innovative biometric products and services. Zwipe is headquartered in Oslo, Norway, with a global presence. To learn more, visit http://www.zwipe.com.
For more information, please contact:
Danielle Glenn, CFO and Head of IR
+47 909 98 201
danielle@zwipe.com
OSLO, NORWAY – 23 August 2022 – Zwipe AS ("Zwipe" or "the company") today announces its results for the first half 2022.
Operational highlights
Financial highlights
Review
In H1 2022, we signed seven new issuers for Zwipe Pay, from Germany to India and across the Middle East. All of them are planning pilots with our card manufacturing partners, although we have learned that pilot preparation is taking longer than previously expected. We also expanded our global delivery capabilities and market reach by signing one major SCM and onboarding two leading personalization solution providers as go-to-market (“GTM”) partners.
Zwipe is pursuing an “execution first” approach focusing on launching announced pilots. In total, seven issuer pilots are progressing with good pace and according to issuer plans. Additional pilot launches are expected in the coming quarters, with launch dates entirely dependent on issuer decisions. We are also focused on “execution first” with our SCM customers – getting all certified and ready for mass volume production. While these remain our top priorities, Zwipe continues expanding our customer and issuer pipeline – critical to our medium-term success.
In March, Zwipe completed the certification process with Visa and obtained the Visa LoA. This certification marks a major milestone towards commercialization of Zwipe Pay and was followed by Visa LoAs obtained by lead customers BCC, TAG Systems and Inkript. This list is expected to grow significantly going forward. Zwipe has successfully completed additional testing with third party laboratories that should ease additional payment scheme certifications.
It is undeniable that market takeoff of biometric payment cards has been slower than envisioned. BPC volumes deployed are expected to remain fairly low into 2023, before growing exponentially thereafter. Zwipe is not immune to the delayed market takeoff, but our customers and partners remain committed to launching pilots and commercial propositions, even if somewhat later than originally planned. Furthermore, consumer demand for BPCs remains strong with 82% of individuals surveyed by Zwipe saying that they want their next card to be biometric and 60% saying they would consider switching to banks who offer biometric cards. Importantly, most third-party research continues to point to BPCs accounting for 15-20% of total EMV units shipped by 2030 (estimated at 3-4 billion units), highlighting just how large the market potential remains.
For Zwipe Access, we now have a healthy and growing list of opportunities within the data center and airport verticals as well as other security sensitive customer segments. The growing number of requests for Zwipe Access solutions is driven by increasing demand for stronger data privacy, higher security and better user experience. Indeed, Zwipe was recognized by Fraport, operating 31 international airports globally, as a potential provider for next generation security solutions at their airports. Fraport’s initial trials have now been completed and they are evaluating possible next steps.
There were substantial changes in the executive management team at Zwipe during the first half, with three of the six-member C-suite newly joining the company – strengthening leadership, bringing industry expertise and positioning Zwipe well for the future.
Financial review
Zwipe reported total revenues of 0.8 mNOK during H1 2022 versus 1.4 mNOK in H1 2021. On an adjusted basis, total operating expenses increased by 13.3 mNOK to 48.4 mNOK in H1 2022 versus H1 2021. The majority of this increase was due to personnel expenses, which increased by 9.1 mNOK to 25.9 mNOK in H1 2022 versus H1 2021. Of the 9.1 mNOK, 5.5 mNOK were one-off costs related to former executives leaving the company. The remaining increase in personnel expense is largely due to an increase in headcount by 13 people to meet the strong demand for the company’s solutions and to prepare for piloting and deployment of our card payment solutions and services.
Zwipe’s cash position remains strong, with cash and cash equivalents at 109.7 mNOK on 30 June 2022.
Total equity as of 30 June 2022 was 108.8 mNOK resulting in an equity ratio of 89%, roughly stable versus the position at the end of the first half of 2021.
The way forward
Zwipe is progressing well in many important areas even if the market for biometric payment cards is developing at a slower pace than expected. Operating expenses and headcount are not expected to increase substantially in H2 vs H1 2022 nor at the pace expected at the start of the year. Zwipe will, however, continue to invest intelligently – particularly in its people and technology.
For Zwipe Pay, second half priorities will center on pilot deployment with issuers, assisting SCMs in becoming mass production and delivery ready, and continuing to expand our customer and issuer pipeline. Further developing the dedicated customer project management function and standardized blueprint to improve pilot execution will be a key focus during H2 2022.
Going forward, Zwipe Access is expected to contribute a larger part of revenue than previously assumed. The pipeline for Zwipe Access is healthy and growing with prospects within the data center and airport verticals as well as other security sensitive customer segments.
Results presentation
CEO Robert Puskaric and CFO Danielle Glenn will present the H1 2022 results by webcast tomorrow, Wednesday August 24th, at 09:00 CEST.
Webcast details
Format: Webcast, Conference Call and Q&A
Language: English
Link: https://q4-emea.wavecast.io/zwipe-as/h1-2022-operational-update
Dial-in numbers:
Participants will be required to register to view the webcast and participate in the Q&A
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This information is subject to the disclosure requirements in Regulation EU 596/2014 article 19 number 3 and the Norwegian Securities Trading Act section 5-12, and is information that Zwipe AS is obligated to make public pursuant to the continuing obligations of companies admitted to trading on Euronext Growth Oslo (Euronext Growth Oslo Rule Book – Part II) and on Nasdaq First North Growth Market. Certified Adviser on Nasdaq First North is FNCA Sweden AB, info@fnca.se, +46 (0) 8528 00 399. The information was submitted for publication, through the agency of the contact person set out below, at 12:15 on 27 June 2022.
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About Zwipe
Zwipe believes the inherent uniqueness of every person is the key to a safer future. We work with great passion across networks of international organizations, industries and cultures to make convenience safe and secure. We are pioneering next-generation biometric card and wearables technology for payment and physical & logical access control and identification solutions. We promise our customers and partners deep insight and frictionless solutions, ensuring a seamless user experience with our innovative biometric products and services. Zwipe is headquartered in Oslo, Norway, with a global presence. To learn more, visit http://www.zwipe.com.
For more information, please contact:
+47 909 98 201
danielle@zwipe.com
Webcast details
Date: 24 August 2022
Time: 09:00 CEST
Format: Webcast, Conference Call and Q&A
Language: English
Link: https://q4-emea.wavecast.io/zwipe-as/h1-2022-operational-update
Participants will be required to register to view the webcast and participate in the Q&A
This information is subject to the disclosure requirements in Regulation EU 596/2014 article 19 number 3 and the Norwegian Securities Trading Act section 5-12, and is information that Zwipe AS is obligated to make public pursuant to the continuing obligations of companies admitted to trading on Euronext Growth Oslo (Euronext Growth Oslo Rule Book – Part II) and on Nasdaq First North Growth Market. Certified Adviser on Nasdaq First North is FNCA Sweden AB, info@fnca.se, +46 (0) 8528 00 399. The information was submitted for publication, through the agency of the contact person set out below, at 12:15 on 27 June 2022.
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About Zwipe
Zwipe believes the inherent uniqueness of every person is the key to a safer future. We work with great passion across networks of international organizations, industries and cultures to make convenience safe and secure. We are pioneering next-generation biometric card and wearables technology for payment and physical & logical access control and identification solutions. We promise our customers and partners deep insight and frictionless solutions, ensuring a seamless user experience with our innovative biometric products and services. Zwipe is headquartered in Oslo, Norway, with a global presence. To learn more, visit http://www.zwipe.com.
For more information, please contact:
Danielle Glenn, CFO and Head of IR
+47 909 98 201
danielle@zwipe.com
OSLO, NORWAY – 27 June 2022 – The board of directors of Zwipe AS ("Zwipe" or the "Company") has today resolved an increase in the share capital of the Company in the amount of NOK 2,500 through the issuance of 25,000 new shares in the Company, each at a strike price of NOK 10.00. The new shares were issued under the Company's stock option incentive program.
Primary insider Eric Mercer, COO of Zwipe AS, exercised 20,000 stock options. After completion of the transaction, Eric Mercer will hold 25,500 shares and 200,000 stock options in the Company. The remaining 5,000 stock options were exercised by an employee of the Company not being a primary insider.
All the exercised options have been granted in accordance with the Company's stock option incentive program described in the Company's latest annual financial statement.
Attached is a copy of the form submitted to the Norwegian FSA, Finanstilsynet, reporting the primary insider transaction listed above.
This information is subject to the disclosure requirements in Regulation EU 596/2014 article 19 number 3 and the Norwegian Securities Trading Act section 5-12, and is information that Zwipe AS is obligated to make public pursuant to the continuing obligations of companies admitted to trading on Euronext Growth Oslo (Euronext Growth Oslo Rule Book – Part II) and on Nasdaq First North Growth Market. Certified Adviser on Nasdaq First North is FNCA Sweden AB, info@fnca.se, +46 (0) 8528 00 399. The information was submitted for publication, through the agency of the contact person set out below, at 12:15 CEST on 27 June 2022.
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About Zwipe
Zwipe believes the inherent uniqueness of every person is the key to a safer future. We work with great passion across networks of international organizations, industries and cultures to make convenience safe and secure. We are pioneering next-generation biometric card and wearables technology for payment and physical & logical access control and identification solutions. We promise our customers and partners deep insight and frictionless solutions, ensuring a seamless user experience with our innovative biometric products and services. Zwipe is headquartered in Oslo, Norway, with a global presence. To learn more, visit http://www.zwipe.com.
For more information, please contact:
Danielle Glenn, CFO and Head of IR
+47 909 98 201
danielle@zwipe.com
Dear Customers, Zwipers and Partners,
22 June 2022:
I am delighted to begin this new journey as the CEO of Zwipe. Since day one, I have felt thoroughly welcomed and enjoyed the energy, engagement and competencies that we have in the team.
I would like to start by saying a big thanks to all Zwipers for working tirelessly and to André Løvestam for having been such a strong ambassador of next generation biometric cards for many years.
More card manufacturers, payment processors, banks and enterprises than ever before are today committed to launch their next generation card programs with Zwipe. My sincere thanks to our customers and partners for their continued confidence in our platform. Throughout H1 2022, we continued to grow our customer and partner base at a strong pace.
We also strengthened our organization by welcoming Patrice Meilland as Chief Strategy & Product Officer and Danielle Glenn as CFO & Head of IR. Patrice joins from his position as the SVP of Advanced Cards in Idemia. Danielle brings substantial financial markets experience from the likes of Goldman Sachs and her most recent role as the CFO of Arctic Bioscience. With a strong focus on ensuring deliveries and successful launches, we have also strengthened our engineering teams.
Throughout H1 2022, we continued to investigate consumers’ payment preferences and their feedback on biometric payment cards. From Austria to Australia, Italy to Taiwan, Malaysia to The Netherlands and Germany, consumers’ interest in biometric payment cards remained consistent and very strong. This is encouraging, not just for Zwipe but for all our customers, partners and industry peers who just like Zwipe are on a mission to deliver the next generation payment and access control experience worldwide.
I now look forward leading Zwipe and together as a team delivering measurable value to our customers, partners and shareholders.
Wishing you all a happy and safe summer!
Robert Puskaric
President and CEO of Zwipe
About Zwipe
Zwipe believes the inherent uniqueness of every person is the key to a safer future. We work with great passion across networks of international organizations, industries and cultures to make convenience safe and secure. We are pioneering next-generation biometric card and wearables technology for payment and physical & logical access control and identification solutions. We promise our customers and partners deep insight and frictionless solutions, ensuring a seamless user experience with our innovative biometric products and services. Zwipe is headquartered in Oslo, Norway, with a global presence.
For further information please contact Robert Puskaric, President and CEO, +46 70 519 34 07 info@zwipe.com
OSLO, NORWAY and LES PAILLES, MAURITIUS – 16 JULY 2021 – Biometric fintech company, Zwipe and ICPS, a leading international card payment processor and card personalization bureau, are partnering to bring Zwipe Pay ONE enabled biometric payment cards to banks across Africa and Asia.
The COVID-19 pandemic has boosted the use of contactless technology and ultimately the need for consumers and businesses to make higher-value payments using contactless cards. However, the contactless limit increase for payments also posed a higher risk for users without an additional layer of security.
ICPS and Zwipe have partnered to bring biometric payment cards enabled with fingerprint sensors. With a fingerprint sensor embedded in the card, consumers will now benefit from an extra layer of security with no need to enter a PIN code on the POS terminal.
Zwipe will provide the complete Zwipe Pay ONE package comprising Biometric ISO contact plate module, Passive inlay, Fingerprint sensor, OS license and enrollment sleeves. As part of this collaboration, both companies will work closely to promote the disruptive Zwipe Pay ONE enabled biometric payment cards for ICPS’ issuers in Africa and Asia.
“As a provider of innovative payment services in the African continent, we pride ourselves in delivering future proof innovations. Together with Zwipe we will bring a new payment solution that will help financial institutions to differentiate their services, provide safer and much more secure payment solutions and uplift customer loyalty. Zwipe is a well-regarded technology brand in the biometric payment space and we are very happy to join forces with them”, said Khevin Seebah, CEO at ICPS.
ICPS has a portfolio of more than 30 clients based in 22 countries in Africa and Southeast Asia. The company, which is based in Mauritius, provides payment processing and consultancy services for banks, financial institutions, and telecom operators. ICPS hosts more than six million cards, drives over 600 ATMs and 11,000 point of sale terminals, and processes over 10 million transactions on its platform each month.
André Løvestam, CEO of Zwipe said: “We are delighted to collaborate with ICPS and bring the next generation of contactless payment cards to banks in Africa and Asia. ICPS’ strong position among financial institutions across Afica and Asia, and Zwipe’s disruptive technology and deep expertise within biometric payment cards, will create a strategic foundation for a mutually rewarding partnership.”
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About ICPS
Founded in 2008, ICPS a subsidiary of the HPS Group, the latter being a leading global cards and payments technology provider serving 450 issuers and acquirers in 90 countries across five continents. Based in Mauritius, the firm provides payment-processing services for banks, financial institutions and telecom operators. It currently has a rich portfolio of more than 30 clients in 22 countries in Africa and Asia, which includes some of the world’s leading banks. ICPS activity covers hosting of more than six million cards, driving of more than 600 ATMs and 11,000 point of sale terminals, and processes more than 10 million transactions each month.
To learn more, visit https://www.icps.mu/
About Zwipe
Zwipe is pioneering the next generation contactless payments experience, providing technology to biometric payment cards and wearables that enable consumers to authorize transactions with their fingerprints without compromising their privacy. Together with an ecosystem of partners including global brands within digital security and financial services, Zwipe is "Making Convenience Safe & Secure" for banks, merchants and consumers. Zwipe's solutions address the hygiene and data theft pitfalls inherent in traditional authentication methods. Headquartered in Oslo, Norway, with a global presence, Zwipe is leading the next great shift in payments from contactless to contact free. To learn more, visit www.zwipe.com
For further information, please contact:
Mr. André Løvestam, CEO, +47 991 66 135 info@zwipe.com
ICPS Sales team businessdevtraining@icps.mu
Summer Greetings from André Løvestam, CEO of Zwipe
OSLO, NORWAY - 9 JULY 2021
Dear stakeholders of Zwipe,
Through the first half of 2021, our global payment ecosystem of Smart Card Manufacturers, Payment Processors, Banks and Go-to-market Partners has continued to expand at a rapid pace, further strengthening our foundation for future market success. In these challenging times, our growing team of competent and passionate Zwipers, spanning 14 different nationalities in nine countries across three different continents and five time zones from Colorado Springs to Singapore, has demonstrated exceptional teamwork with a solid focus on customers. I am delighted to share that the interest in biometric payment cards based on Zwipe technology, which deliver a more convenient, secure and safe means to pay, has never been stronger. The voices of consumers captured by Zwipe in the UK, USA, Canada, Sweden, Norway and Romania since August last year are encouraging and consistent with similar findings from card schemes and other industry players.
Entering the Indian subcontinent and APAC region
In the first half of 2021, we announced six new Smart Card Manufacturers into our ecosystem:
Together, these manufacturers deliver around 200 million payment cards annually. In addition, we extended and expanded our partnership with TAG Systems, who delivers 100 million payment cards annually. Looking forward, it is great to see that our SCM and processor and issuer pipelines continue to grow.
The encouraging developments with card manufacturers received a big boost when Asia’s largest payment processor, Financial Software and Systems (FSS) embraced our next-generation payment cards platform based on Zwipe Pay ONE technology. FSS manages over 800 million cards, and we are now working with them to bring our ground-breaking innovation globally. We also strengthened our regional presence by appointing Masterline and Sonali Intellect Ltd. as our business development partners in India and Bangladesh, respectively.
Acceleration in the MENA Region and Europe
Middle East and North Africa (MENA)
On the back of growing demand for biometric payments cards in the MENA region, Network International (NI), providing payment services to over 200 banks in Middle East and Africa, and Middle East Payment Services (MEPS), a leading payment service provider in the Levant region, entered new partnerships with Zwipe. NI and MEPS have boosted our reach and delivery capabilities in the MENA Region, on top of our already strong network of prominent partners in the region, notably Masria Digital Payments, Inkript, areeba and Veritech. To effectively serve our growing partner network and issuers, we appointed Ramzi Saboury as the General Manager for the MENA region. Ramzi brings over 26 years of experience and network in payment services in MENA from leadership roles in Kuwaiti banks, VISA and areeba.
Europe and the UK
In the past few months, we have seen an increasing in-flow of interest from card manufacturers in multiple regions, most notably in Europe. The same can be said for issuer engagements that come through our Processor Partners and Card Manufacturers in Europe, especially in the UK and Nordics. This is proof that our “Megaphone” partner strategy works! Swedish fintech VOPY, providing embedded financial services to clients globally, and France-based payment service provider, be ys Pay, selected Zwipe Pay ONE (ZPO) cards for their ssuers, aiming to pilot Zwipe Pay ONE this year. Both these developments came within months of OP Bank’s decision to pilot with cards based on the Zwipe Pay ONE platform togheter with our Go-to-market partner, TietoEVRY. OP is Finland’s largest financial services group and serves over four million customers.
Delivery of Zwipe Pay ONE on track
We had strong progress in the development of Zwipe Pay ONE, the world’s first Single Silicon based biometric payment platform offered to card manufacturers globally. In April 2021, we demonstrated our enrollment solution and touch-free payment transactions above the transaction cap at a Point-of-Sales terminal with test keys to emulate fully EMV authorized and authenticated transactions in a live environment. The feedback from the market was very positive as everyone could see how these cards quickly and reliably provide a considerable boost to user experience and security.
In fact, we have now passed most critical milestones and major risk points,with only piloting and certification left before commercialization in mass volumes.
Next steps – pilots and certification
Apart from pilots planned from late this quarter, certification will represent the last milestone before commercialization. We have already performed pre-tests at accredited test labs with excellent results.
We are now working closely with the card schemes to secure these processes, which will be explained in detail during our H1 2021 reporting on 26 August. In the coming weeks, we will start handing out Zwipe Pay ONE demo cards to issuers and partners and continue to help them prepare for commercial launches.
Zwipe 2.0
Last, but not least, H1 2021 has seen further strengthening of our team across all functions – commercial, technical, operational and regional. We have engaged every Zwiper in developing and honing our Winning Team Culture, with our Core Values driving us to be Innovative, Collaborative, Adaptable and Passionate. Each recruitment is intended not only to add capacity, but also to uplift our team. I am also pleased to see further strengthening of our board.
I take this opportunity to thank each member of the Zwipe team for their remarkable effort and passion to our mission of Making Convenience safe and secure. My thanks also go out to all our customers, partners, and shareholders for sharing this mission as strongly as every Zwiper.
I wish each one of you a very safe and happy summer ahead!
OSLO, NORWAY and AMMAN, JORDAN – 24 JUNE 2021 – Biometric fintech company Zwipe and Network International Services Limited Jordan PSC (NI) have decided to collaborate to address the growing demand for biometric payment solutions in the Levant region.
The Network International Group is the leading enabler of digital commerce across the Middle East and Africa (MEA). It provides a robust suite of payment products and services that are on the cutting-edge of technology development. In 2020, Network processed over 750 million payment transactions for more than 200 financial institutions, 80,000 merchants and over 16 million cards.
Speaking on the collaboration, Amjad Al-Sadeq, Regional President – Levant at Network International Services Limited Jordan PSC, said: “COVID-19 has accelerated a mega-shift in our region towards more secure and hygienic payments. We are confident that our issuer clients and consumers will embrace biometric payment cards as they provide an excellent check-out experience with much higher security. Zwipe Pay ONE cards will enrich our payment portfolio and further reinforce our innovation leadership.”
Zwipe will provide Network International with technical support and services for the implementation of Zwipe Pay ONE biometric cards including deliveries to the issuers. The Zwipe Pay ONE-powered cards will be delivered by one of Zwipe’s certified smart card manufacturers in the region.
“The Levant is a key growth market for Zwipe in the Middle East and Africa (MEA) region. Network International is the largest player in this vast region, and their strong relations with many prominent banks across the Middle East and Africa will be a significant complement to Zwipe’s technology leadership. We are honored to work with Network International to accelerate the deployment of biometric payment cards,” said Ramzi Saboury, General Manager for Zwipe in the MENA region.
For further information please contact: André Løvestam, CEO, +47 991 66 135 info@zwipe.com
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About Network International
Network International comprises of a group of companies and is the leading enabler of digital commerce across the Middle East and Africa (MEA) region, providing a full suite of technology-enabled payments solutions to merchants and financial institutions of all types and sizes, including acquiring and processing services and a comprehensive ever-evolving range of value-added services.
Network International Holdings Plc is the holding company for Network International and the group companies.
About Zwipe
Zwipe is pioneering the next generation contactless payments experience, providing biometric payment cards components and wearables technology that enable consumers to authorize transactions with their fingerprints without compromising their privacy. Together with an ecosystem of partners including global brands within digital security and financial services, Zwipe is "Making Convenience Safe and Secure" for banks, merchants and consumers. Zwipe's solutions address the hygiene and data theft pitfalls inherent in traditional authentication methods. Headquartered in Oslo, Norway, with a global presence, Zwipe is leading the next great shift in payments from contactless to contact free. To learn more, visit www.zwipe.com
OSLO, NORWAY and DHAKA, BANGLADESH – 18 JUNE 2021 – Biometric fintech company Zwipe has appointed Sonali Intellect Limited as its sales and strategic business development partner to accelerate the adoption of biometric payment cards in Bangladesh. With 166 million inhabitants and a fast growing base of 22 million payment cards (credit cards grew 50% between 2019-20), Bangladesh represents a strategic growth opportunity for both partners.
For almost a decade, Sonali Intellect Limited (SIL) has been leading the modernization of the largest banks of Bangladesh, notably Sonali Bank and Rupali Bank. SIL delivers cutting edge financial technology solutions to Banking, Financial Services, and Insurance sectors in Bangladesh. SIL’s portfolio comprises Card Management Systems, Core Banking (Conventional and Islamic), Trade Finance, Treasury, Cash and Liquidity Management, Supply Chain Finance, Contact Centre, Brokerage and Wealth Management. Today, the SIL platform serves 2 banks, 1806 branches and 25.4 million end users.
"We are excited to partner with Zwipe and bring their ground-breaking payment innovation in Bangladesh. Biometric Payment Cards, due to their state-of-art security and world-class user experience will play a key role in fighting fraud, driving digital inclusion, and ensuring a seamless checkout experience for consumers. We have already started engaging with many key banks in the market and their early feedback has been encouraging”, says S.M. Jahangir Akhter, CEO of SIL.
As part of the collaboration both companies will work closely to help banks, card personalization bureaus and processors in Bangladesh to support Zwipe Pay ONE cards with the ambition to deliver pilots later this year.
Commenting on the sales partnership, André Løvestam, CEO of Zwipe, says, "We are glad to partner with Sonali Intellect Limited. Their local market insights, deep relations with issuers and strong track record of innovation in financial services have already proven effective and align well with our expansion plans in high growth, high potential markets, such as Bangladesh. SIL has uncovered and demonstrated real market interest in Bangladesh, and we will collaborate closely to help the issuers pilot and roll out Zwipe powered biometric payment cards”.
For further information, please contact: André Løvestam, CEO, +47 991 66 135 info@zwipe.com
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About Sonali Intellect Limited
Sonali Intellect Limited, a financial technology solution provider, was incorporated as a joint venture company in 2012 by Intellect Design Arena Limited (erstwhile ‘Polaris FT Limited’) - a leading global financial technology group and Sonali Bank Ltd.- largest State Owned bank to deliver high quality IT solutions.
Sonali Intellect Limited provides cutting edge financial technology solutions to Banking, Financial Services and Insurance sectors in Bangladesh. Sonali Intellect Limited has adapted the best practices around software product development, delivery and implementation from Intellect Design Arena Limited. It is also backed by Intellect Design Arena Limited’s global experience and world-class management practices.
On the other hand, it has full-fledged development and support center in Bangladesh maintained by experienced local resources. These enable Sonali Intellect Limited to provide world-class solution and support services from its local development center to its customers in Bangladesh.
The company is leading the modernization of the largest bank of Bangladesh- Sonali Bank Limited and Rupali Bank Limited.
About Zwipe
Zwipe is pioneering the next generation contactless payments experience, providing biometric payment cards components and wearables technology that enable consumers to authorize transactions with their fingerprints without compromising their privacy. Together with an ecosystem of partners including global brands within digital security and financial services, Zwipe is "Making Convenience Safe & Secure" for banks, merchants and consumers. Zwipe's solutions address the hygiene and data theft pitfalls inherent in traditional authentication methods. Headquartered in Oslo, Norway, with a global presence, Zwipe is leading the next great shift in payments from contactless to contact free.
To learn more, visit www.zwipe.com
OSLO, NORWAY and DHAKA, BANGLADESH – 16 JUNE 2021 – Biometric fintech company Zwipe and Silkways Card & Printing Ltd (Silkcard), a leading provider of payment cards in Bangladesh, are partnering to bring biometric payment cards enabled by Zwipe Pay ONE technology to financial institutions and card issuers.
Silkcard is a fully functional EMV certified smart card manufacturer and personalization bureau with more than 15 years of experience in card production and personalization. It delivers a variety of cards to banking and retail customers in Bangladesh and abroad. Currently it delivers over 12 million payment cards annually.
“Biometric Payment Cards is a high-impact initiative and the future of contactless payments, lifting safety and convenience to a completely new level for our issuer customers and consumers alike. We see Zwipe Pay ONE as the state-of-the-art technology on biometric payment cards and look forward to a close collaboration with Zwipe,” says Sk Farid Ahmed, Managing Director of Silkways Card & Printing Ltd.
As part of the collaboration, Zwipe will deliver the Zwipe Pay ONE technology platform and expert guidance to help Silkcard manufacture and personalize biometric card payments for issuer clients. Silkcard will also work with Zwipe in commercializing biometric payment solutions in Bangladesh, helping the banks through all stages of pilot, launch and mass market rollout.
“We are very pleased to partner with Silkcard, one of the strongest providers in Bangladesh. With a population of over 166 million and an economy growing over 7% per year, this market represents significant growth potential for our innovation from security, financial inclusion and innovation perspectives. Together with Silkcard we will bring next-generation contactless payment cards in this fast-growing market,” says André Løvestam, CEO of Zwipe.
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About Silkways Card & Printing Ltd
Silkways card & printing Ltd (Silkcard) is a pioneering venture for manufacturing & personalization of smartcards in Bangladesh with its state-of-the-art production facility located at the heart of Dhaka, Bangladesh. The vision of Silkcard is to comply with the ethical standards in business operations, financial disclosures, accountability and legal compliance. To learn more, visit www.silkways.net/silkcard
For further information please contact: Sk. Farid Ahmed Manik, MD, +88 01711 527359
About Zwipe
Zwipe is pioneering the next generation contactless payments experience, providing biometric payment cards components and wearables technology that enable consumers to authorize transactions with their fingerprints without compromising their privacy. Together with an ecosystem of partners including global brands within digital security and financial services, Zwipe is "Making Convenience Safe & Secure" for banks, merchants and consumers. Zwipe's solutions address the hygiene and data theft pitfalls inherent in traditional authentication methods. Headquartered in Oslo, Norway, with a global presence, Zwipe is leading the next great shift in payments from contactless to contact free. To learn more, visit www.zwipe.com
For further information please contact: André Løvestam, CEO, +47 991 66 135 info@zwipe.com
OSLO, NORWAY and AMMAN, JORDAN – 2 June 2021 – Middle East Payment Services (MEPS), a leading regional one-stop-shop for payment services and products, is partnering with biometric fintech Zwipe to bring next generation contactless payment cards in the Middle East and North Africa (MENA) region.
MEPS is a principal issuer and acquirer of payment cards in Jordan, Iraq, Palestine, and provides card issuance services to 27 financial institutions in this territory. The two organizations will collaborate closely, offering a more seamless and secure payment solution to customers by combining MEPS’s Issuance Platform and the Zwipe Pay ONE biometric card platform, supported by Zwipe’s card manufacturing partners in the MENA region.
Commenting on the partnership Ali Abdel Jabbar, Chief Executive Officer at MEPS, said “We are delighted to take this big step with Zwipe, a well-known technology brand in biometric payments. The disruptive Zwipe Pay ONE platform based on “single silicon” design will help us to uplift our end-to-end payments offering to our bank clients in the region. Zwipe Pay ONE is recognized as the most advanced (Gen3) biometric payment technology and complements MEPS’ innovative card portfolio. We are aiming to make it available for our clients for piloting and commercial deployment during H2 2021”.
As part of this collaboration, MEPS will offer Zwipe Pay ONE biometric payment cards with primary focus on Jordan, Iraq and Palestine. Both partners will start engaging with issuers from Q2 2021. “MEPS is one of the pioneers in delivering innovative payment solution in the MENA region. We are very pleased that MEPS will deliver its next generation payment cards based on the Zwipe Pay ONE platform. This collaboration will further strengthen our footprints in the MENA region and accelerate the deployment of Zwipe Pay ONE in one of the world’s most dynamic markets for digital payments,” said Ramzi Saboury, General Manager for Zwipe in the MENA Region.
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About MEPS
Middle East Payment Services (MEPS), founded in 2009, is a Principal Issuer and Acquirer of Visa, MasterCard, and UnionPay, with presence in Jordan, Iraq, and Palestine. The company offers financial institutions, merchants, and corporations, a complete range of secure payment solutions in card issuance / hosting, payment processing, alternative payments, ecommerce acquiring, point-of-sale (POS) acquiring, ATM driving and management, and customized value-added services adhering to PCI Data Security Standards (PCI DSS). MEPS is owned by 10 Jordanian and regional banks.
About Zwipe
Zwipe is pioneering the next generation contactless payments experience, providing biometric payment cards components and wearables technology that enable consumers to authorize transactions with their fingerprints without compromising their privacy. Together with an ecosystem of partners including global brands within digital security and financial services, Zwipe is "Making Convenience Safe & Secure" for banks, merchants and consumers. Zwipe's solutions address the hygiene and data theft pitfalls inherent in traditional authentication methods. Headquartered in Oslo, Norway, with a global presence, Zwipe is leading the next great shift in payments from contactless to contact free.
To learn more, visit www.zwipe.com
For further information please contact: André Løvestam, CEO, +47 991 66 135 info@zwipe.com
OSLO, NORWAY – 2 June 2021 – In accordance with the mandate given at Zwipe AS’s annual general meeting on 19 May 2021 to the board of directors (“the Board”) to issue new options to the company’s employees under the company's existing long-term incentive program, the Board has resolved to issue 220,000 new share options to primary insiders.
The strike price was set at NOK 30.13 in accordance with established principles in the program.
The following primary insiders in the Company have been granted additional share options by the Board:
The existing share-based incentive program covers employees and members of the Board. Each option gives the holder the right to acquire one share from the company at a strike price defined in the individual share option agreement. All options are conditional that the grantee remains employed. All vested options may be exercised in any period prior to the expiry date. The options vest every 6 months over 3 years from grant date and may be exercised at vesting. The share-based incentive program is dedicated for allocation to company management and employees, whereby they may be offered the opportunity of participating in a value growth in company shares. This is expected to lead to an increase in interest in the company’s value development.
Until the AGM in 2022, the Board is authorized to issue up to 2,306,319 options, of which a total of 1,911,000 options have now been issued.
Primary insider notifications pursuant to article 19 of the market abuse regulation are linked to from the document:
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This information is subject to the disclosure requirements in Regulation EU 596/2014 article 19 number 3 and the Norwegian Securities Trading Act § 5-12, and is information that Zwipe AS is obligated to make public pursuant to the continuing obligations of companies admitted to trading on Euronext Growth Market Oslo and on Nasdaq First North Growth Market. Certified Adviser on Nasdaq First North is FNCA Sweden AB, info@fnca.se, +46 (0) 8528 00 399. The information was submitted for publication, through the agency of the contact person set out below, at 23:30 2 June 2021.
About Zwipe
Zwipe is pioneering the next generation contactless payments experience, providing biometric payment cards components and wearables technology that enable consumers to authorize transactions with their fingerprints without compromising their privacy. Together with an ecosystem of partners including global brands within digital security and financial services, Zwipe is "Making Convenience Safe & Secure" for banks, merchants and consumers. Zwipe's solutions address the hygiene and data theft pitfalls inherent in traditional authentication methods. Headquartered in Oslo, Norway, with a global presence, Zwipe is leading the next great shift in payments from contactless to contact free. To learn more, visit www.zwipe.com
For more information, please contact:
Lars Kristian Solheim, CFO
+47 991 661 35
lars.kristian@zwipe.com
Correction of Annual General Meeting minutes published 19 May - Corrected name Board of Directors:
OSLO, NORWAY– 19 May 2021 – The Annual General Meeting in Zwipe AS (Company) was held today. All proposed resolutions were approved unanimously in accordance with the call for the meeting. The minutes of Annual General Meeting are included as an attachment. The complete proposal, which was approved by the Annual General Meeting, is available on www.zwipe.com for further reference. The attendants of the AGM represented 27.3% of the votes in the company.
The following matters were reviewed and confirmed:
Approval of the annual report and financial statements for 2020:
The board’s proposal for the annual report and the financial statements for 2020 for the Company and the group were unanimously approved.
Election of members to the Board of Directors:
The following persons were unanimously elected to as the new Board of Directors:
Jörgen Lantto, Chairman of the board
Diderik Schonheyder
Johan Biehl
Dennis Jones
Stina Granberg
Tanya Juul Kjaer
Remuneration to the members of the Board of Directors and the members of the Nomination Committee
Remuneration to the Board members for the period from the AGM in 2021 until the AGM in 2022 were unanimously approved as follows:
Chairman of the Board: NOK 260,000,-
Members of the Board: NOK 130,000,-
No remuneration to the members of the Nomination Committee was resolved.
Board authorizations to increase the share capital and instructions to the Board regarding use of the authorization to increase the shares capital to strengthen the Company's equity
The Board proposed that two new authorizations for the Board on capital increases are issued, (i) to fulfil the Company's incentive program and (ii) to cater for strengthening of the Company's equity (extract, please see the attachment to the notice for the complete proposal).
i. Authorization for capital increase to fulfill the Company's incentive program
The Annual General Meeting resolved that the Board is hereby granted authorization to increase the share capital of Zwipe AS (the Company), on one or several occasions, with up to NOK 230,631.90 (2,306,319 new shares), equivalent to 7 % of the registered share capital at the time of this resolution. The authorization shall remain in force until the end of the annual general meeting 2022, however not beyond 30 June 2022. The pre-emptive right of the shareholders to subscribe may be set aside.
ii. Authorization for capital increase to strengthen the Company's equity
The Annual General Meeting resolved that the General Meeting granted a new authorization to the Board to issue shares corresponding to up to 15% of the share capital, and the new authorization shall be restricted to issue of shares to strengthen the Company's equity to the extent the Board considers this to be in the Company's best interest at the given time.
The authorization shall remain in force until the end of the annual general meeting 2022, however not beyond 30 June 2022. The pre-emptive right of the shareholders to subscribe may be set aside.
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This is information that Zwipe AS is obligated to make public pursuant to the continuing obligations of companies admitted to trading on Euronext Growth Market Oslo and on Nasdaq First North Growth Market. Certified Adviser on Nasdaq First North is FNCA Sweden AB, info@fnca.se, +46 (0)8528 00 399. The information was submitted for publication, through the agency of the contact person set out below, on May 20, 2021 at 09:15 CEST
About Zwipe
Zwipe is pioneering the next generation contactless payments experience, providing biometric payment cards components and wearables technology that enable consumers to authorize transactions with their fingerprints without compromising their privacy. Together with an ecosystem of partners including global brands within digital security and financial services, Zwipe is "Making Convenience Safe & Secure" for banks, merchants and consumers. Zwipe's solutions address the hygiene and data theft pitfalls inherent in traditional authentication methods. Headquartered in Oslo, Norway, with a global presence, Zwipe is leading the next great shift in payments from contactless to contact free. To learn more, visit www.zwipe.com
For more information contact: André Løvestam, CEO, +47 991 66 135 info@zwipe.com
OSLO, NORWAY– 19 May 2021 – The Annual General Meeting in Zwipe AS (Company) was held today. All proposed resolutions were approved unanimously in accordance with the call for the meeting. The minutes of Annual General Meeting are included as an attachment. The complete proposal, which was approved by the Annual General Meeting, is available on www.zwipe.com for further reference. The attendants of the AGM represented 27.3% of the votes in the company.
The following matters were reviewed and confirmed:
Approval of the annual report and financial statements for 2020:
The board’s proposal for the annual report and the financial statements for 2020 for the Company and the group were unanimously approved.
Election of members to the Board of Directors:
The following persons were unanimously elected to as the new Board of Directors:
Jörgen Lantto, Chairman of the board
Dorian Barak
Johan Biehl
Dennis Jones
Stina Granberg
Tanya Juul Kjaer
Remuneration to the members of the Board of Directors and the members of the Nomination Committee
Remuneration to the Board members for the period from the AGM in 2021 until the AGM in 2022 were unanimously approved as follows:
Chairman of the Board: NOK 260,000,-
Members of the Board: NOK 130,000,-
No remuneration to the members of the Nomination Committee was resolved.
Board authorizations to increase the share capital and instructions to the Board regarding use of the authorization to increase the shares capital to strengthen the Company's equity
The Board proposed that two new authorizations for the Board on capital increases are issued, (i) to fulfil the Company's incentive program and (ii) to cater for strengthening of the Company's equity (extract, please see the attachment to the notice for the complete proposal).
i. Authorization for capital increase to fulfill the Company's incentive program
The Annual General Meeting resolved that the Board is hereby granted authorization to increase the share capital of Zwipe AS (the Company), on one or several occasions, with up to NOK 230,631.90 (2,306,319 new shares), equivalent to 7 % of the registered share capital at the time of this resolution. The authorization shall remain in force until the end of the annual general meeting 2022, however not beyond 30 June 2022. The pre-emptive right of the shareholders to subscribe may be set aside.
ii. Authorization for capital increase to strengthen the Company's equity
The Annual General Meeting resolved that the General Meeting granted a new authorization to the Board to issue shares corresponding to up to 15% of the share capital, and the new authorization shall be restricted to issue of shares to strengthen the Company's equity to the extent the Board considers this to be in the Company's best interest at the given time.
The authorization shall remain in force until the end of the annual general meeting 2022, however not beyond 30 June 2022. The pre-emptive right of the shareholders to subscribe may be set aside.
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This is information that Zwipe AS is obligated to make public pursuant to the continuing obligations of companies admitted to trading on Euronext Growth Market Oslo and on Nasdaq First North Growth Market. Certified Adviser on Nasdaq First North is FNCA Sweden AB, info@fnca.se, +46 (0)8528 00 399. The information was submitted for publication, through the agency of the contact person set out below, on May 19, 2021 at 16:30 CEST
About Zwipe
Zwipe is pioneering the next generation contactless payments experience, providing biometric payment cards components and wearables technology that enable consumers to authorize transactions with their fingerprints without compromising their privacy. Together with an ecosystem of partners including global brands within digital security and financial services, Zwipe is "Making Convenience Safe & Secure" for banks, merchants and consumers. Zwipe's solutions address the hygiene and data theft pitfalls inherent in traditional authentication methods. Headquartered in Oslo, Norway, with a global presence, Zwipe is leading the next great shift in payments from contactless to contact free. To learn more, visit www.zwipe.com
For more information contact: André Løvestam, CEO, +47 991 66 135 info@zwipe.com
