oCüzdan is an innovative mobile payments company developing Apple & Android Wallet based digital payment cards combined built-in loyalty programme works through instant cash-backs. Also the innovator & developer of patented "noPOS" technology which removes the dependency of physical POS devices for payment collection at physical & online locations. oCüzdan's aim is to democratize bank/card brand owned silos by creating an open coalition of oCüzdan's merchants.