Utiba empowers everyone to make Mobile Payments that can be executed anytime, anywhere, and for any amount. Utiba has done ground breaking implementations such as G-Cash/Globe in the Philippines, Maxis Malaysia, True in Thailand and the Orascomm Group. Utiba helps customers to increase ARPU by leveraging their merchant base, and providing new services for subscribers including Microfinance, Remittance, Salary Disbursement and Mobile Banking. Utiba’s technology complements existing financial systems and offers mobile phone subscribers who have no bank accounts or access, a new way to pay. Financial institutions can also reach a new consumer base, which have a mobile phone based wallet, rather than a bank account or credit card.