Fingopay technology removes the need for cash, smartphone or cards to be present during a payment. It also provides the highest level of security available and extends Sthaler’s services to personal, home and office use. Using an individual’s unique biometric key (Finger vein structure), Fingopay solves the identity problem in payments and thereby substantially mitigates fraud by ensuring that the consumer is irrefutably identified with ach transaction. Once registered, Fingopay will offer simpler to use, faster, more reliable and more convenient payment method for all consumers.