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In a post-demonetisation world, people are getting used to managing financial transactions through their phones, and that means that companies like Zeta and Niyo are going to look even more attractive, especially when the alternative is walking around with booklets full of vouchers.

Update : After this article was published, Sodexo contacted Gadgets to share that apart from meal vouchers, it also offers a card-based payments system, and is now piloting mobile payments.

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The Sodexo card can only be used at specific merchants - there are some 15, in cities already, Das tells us. The company has also piloted a mobile payments system in Mumbai, based around QR codes and the card PIN for authentication, which it will roll out to other parts in four to five weeks time. For the latest tech news and reviews , follow Gadgets on Twitter , Facebook , and subscribe to our YouTube channel. Sodexo coupons can be quite inconvenient Digital startups are trying to bring about mobile-first solutions A popular option seems to be a debit card linked to digital reimbursement.

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You get an interest free period of upto 45 days from your initial transaction date! Their merchant acceptance network extends to 1, cities and towns across India. However, managing paper currency is quite a hassle. Various studies have pegged the total expenditure incurred by the Indian banking industry managing cash on an annual basis at Rs 20, crore.

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Moreover, employees also have to carry around bulky booklets in their wallets, as paper-based vouchers are often not redeemable online. Over the years, they had market leadership in the meal benefits segment through 3 million daily consumers.

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But, with great power comes great responsibility. In fact, globally, Suvo notes that 60 percent of their business is digital.

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The company decided to go digital in However, they launched their digital solution only in February , because it took them time to build their own proprietary digital network to access the Sodexo card. As anticipated, the biggest challenge for them was how to enable digital acceptance on their meal benefit network in 1,plus cities and towns across India. Almost 10, grocers and restaurants out of the 30, terminals in their network had never accepted any form of digital payments, and Sodexo was the first digital solution they had ever experienced —the timeframe in question here is a year and a half before demonetisation.

It was a huge education exercise.

They had to integrate with the POS system of major retailers.