<s>
Payconiq	B-Operating_System
International	O
S.A.	O
is	O
a	O
Luxembourg-based	O
company	O
developing	O
a	O
mobile	O
payment	O
and	O
payment	O
processing	O
platform	O
,	O
active	O
in	O
Belgium	O
and	O
Luxembourg	O
.	O
</s>
<s>
Payconiq	B-Operating_System
International	O
has	O
established	O
its	O
headquarters	O
in	O
Luxembourg	O
through	O
the	O
acquisition	O
of	O
the	O
Luxembourgish	O
fintech	O
startup	O
Digicash	O
Payments	O
,	O
in	O
2017	O
.	O
</s>
<s>
In	O
2020	O
,	O
the	O
five	O
Digicash	O
apps	O
have	O
been	O
rebranded	O
to	O
Digicash	O
by	O
Payconiq	B-Operating_System
,	O
as	O
the	O
company	O
made	O
all	O
its	O
mobile	O
solutions	O
in	O
the	O
Benelux	O
area	O
interoperable	O
.	O
</s>
<s>
In	O
2021	O
,	O
the	O
Digicash	O
merchants	O
have	O
started	O
migrating	O
to	O
the	O
Payconiq	B-Operating_System
platform	O
.	O
</s>
<s>
Payconiq	B-Operating_System
Belgium	O
and	O
the	O
Belgian	O
payment	O
system	O
announced	O
in	O
March	O
2018	O
their	O
intention	O
to	O
merge	O
.	O
</s>
<s>
The	O
merger	O
was	O
finalized	O
in	O
July	O
2018	O
and	O
the	O
company	O
is	O
currently	O
named	O
Bancontact	O
Payconiq	B-Operating_System
Company	O
.	O
</s>
<s>
It	O
then	O
also	O
merged	O
its	O
two	O
existing	O
payment	O
apps	O
called	O
'	O
Payconiq	B-Operating_System
 '	O
and	O
'	O
Bancontact	O
 '	O
into	O
one	O
app	O
called	O
'	O
Payconiq	B-Operating_System
by	O
Bancontact	O
 '	O
which	O
is	O
supported	O
by	O
20	O
Belgian	O
banks	O
and	O
290.000	O
stores	O
in	O
Belgium	O
.	O
</s>
<s>
In	O
2019	O
,	O
the	O
Payconiq	B-Operating_System
payment	O
solution	O
was	O
integrated	O
in	O
KBC	O
's	O
mobile	O
bank	O
app	O
,	O
followed	O
by	O
ING	O
Belgium	O
,	O
in	O
2020	O
.	O
</s>
<s>
Payconiq	B-Operating_System
Netherlands	O
was	O
established	O
in	O
2018	O
,	O
when	O
the	O
Payconiq	B-Operating_System
mobile	O
payment	O
app	O
was	O
launched	O
into	O
the	O
market	O
,	O
having	O
as	O
shareholders	O
the	O
main	O
Dutch	O
banks	O
:	O
ASN	O
Bank	O
,	O
ING	O
,	O
Rabobank	O
,	O
Regiobank	O
and	O
SNS	O
.	O
</s>
<s>
The	O
Payconiq	B-Operating_System
platform	O
connects	O
banks	O
,	O
merchants	O
,	O
payment	O
service	O
providers	O
and	O
consumers	O
,	O
to	O
enable	O
omni-channel	O
payments	O
online	O
,	O
in	O
store	O
,	O
by	O
invoice	O
or	O
peer-to-peer	O
.	O
</s>
<s>
Consumers	O
can	O
download	O
one	O
of	O
the	O
stand-alone	O
apps	O
or	O
use	O
the	O
Payconiq	B-Operating_System
integration	O
in	O
their	O
mobile	O
banking	O
apps	O
(	O
where	O
available	O
)	O
,	O
according	O
to	O
their	O
country	O
of	O
residence	O
.	O
</s>
