2. According to an article in Forbes over 84% of the small businesses have not adopted the a mobile payment system because cost of new equipment. Therefore, there is limited places consumers can use a mobile wallet.

3. According to Fortune "" Access to loyalty rewards from brands is the most wanted features from consumers, and it’s the one least integrated in mobile payments today,” notes Forrester Research analyst Thomas Husson, in a recent blog about this topic. Indeed, approximately 57% of U.S. adult smartphone users want access to loyalty programs and rewards through mobile wallets, according to his firm’s ongoing Consumer Technographics surveys.

Then there is Nudipay who has addressed these pain points with Nudipay;

1. No security issues because none of your identifying information is stored on the app or transmitted to the merchant.

2. Small business owners will adapt Nudipay because there is no cost to join, no need to purchase new equipment and no monthly fees. The only pay per transaction with an affordable 15 cents flat fee.

3. They have two built in loyalty. One from the merchants to their customer and one from Nudipay to their consumers (just like a reward credit card).

They plan to launch in two U.S. cities Denver, CO and Portland, OR. One of the reasons being that there is a large undeserved market in these two keys cities that can boost Nudipay's launch.

This is an opportunity to Join The Evolution when it comes to payment systems, they are not duplicating the others, they are blazing their own trail.