KINEKT provides Banks, Mobile Wallet and Mobile Money companies with a "Dialable" QR Code solution (patents pending) that works ACROSS handsets WITHOUT internet in 1 or 2 steps = perfect for the 2 billion + global underbanked market. The solution works by tying unique dialable point of sale codes to existing QR Codes, thereby making it possible for low end handset owners to make QR Code payments at scale.