08 Decent work and economic growth

ngpay is India’s first mass market mobile commerce service. Functioning on every telecom network, consumers all over India are able to bank, pay bills, book tickets, make donations, shop, order food, and more - from a single place on their mobile handsets. Transactions with 80+ businesses across 10 sectors can be completed following a simple download of a free, 64kb application to a mobile handset. ngpay is easy, fast, and secure. Upon selection of a merchant, the user is guided through their m-commerce transaction - step-by-step - via ngpay's interactive, menu-driven interface. In this way, ngpay is able to deliver the true PC-Based e-commerce experience with mobile internet technology. Once the user gets to the payment stage, multiple options are available - all securely stored in ngpay's mobile wallet. All conventional forms of electronic payment are possible, including redeeming ngpay loyalty points. Data and over-the-air transactions are fully encrypted and require multi-level authorization to be accessed. Users receive SMS and, where applicable, email verifications of their transactions, and can view their transaction history on the ngpay main menu. ngpay is one of the few services able to bring low-cost electronic commerce and financial services to the rural and working class.