mDenarnic@ is a mobile wallet that enables: - Confirmation of online purchases at points of sale made with Visa OTP banka payment cards - Instant transfer of money and sending a money request through contact details (mobile phone number or email address) via Flik, with direct debiting of the personal account. The amount is credited to the recipient’s account instantly, even at weekends and on holidays. - Saving loyalty cards. mDenarnica saves your digital loyalty cards, allowing you to lose the