Quickpay is an alternative pathway in the backbone of global retail payment flows. It targets participants in the cash-based economy worldwide, allowing buyers to pay for their goods and services via cash remittances made at terminals, similar in look and feel to ATMs, without the need for plastic cards or bank accounts. Those goods and services run the gamut, from home utility bills to cell phone tarrifs and cash transfers. The payment terminals themselves are inexpensive, but the technology behind them is elegant: it provides an intuitive interface easily localized to fit the literacy, language and customs of the target markets; bridges the divide among provider, purchaser, and intermediary; and collects information on the buying habits of a segment of the global population of which we know little. The market for this non-bank transaction service sector was described by McKinsey as 'wide open and growing' in its 2010 report "Consumer bill payment: Learning from global archetypes"