Company: TCMFF
Filing Date: 2025-02-28
Form Type: 20-F
Source: 0001104659-25-019133
Chunk: 74

Company: TELECOM ARGENTINA SA
Filing Date: 2025-02-28
Form: 20-F
Item: Item 4
Chunk 74
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●   ATM withdrawal,
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●   payments with QR,
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●   remuneration of Balances,
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●   sale of recharges (B2B),
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●   QR Acceptor,
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●   QR Payments
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●   Personal Insurance,
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●   create personalized savings goals,
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●   ExtraPay,
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●   benefits and discounts in shops, and
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●   Credit / Lending
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The commercial campaigns for Personal Pay focus on strengthening the integration and synergy between the products and services within the Company’s digital ecosystem.
Personal Pay is fully managed within the application, allowing the user to clearly and easily visualize all deposits, withdrawals and transfers made. All users have access to the VISA Personal Pay international prepaid card. Our digital wallet offers a customizable card in physical format.
With the prepaid card, the customer can make purchases online and in physical stores, subscribe to entertainment services and withdraw money at ATMs.
The objective is to continue promoting financial inclusion through the fintech industry in Argentina, which is why we expect that new solutions will be incorporated to reach segments of the population that currently do not have access.
During 2024, our strategy focused on adding new capabilities to our value proposition:
QR Payments allows merchants to receive payments quickly and securely using a QR code. Customers simply scan the code with their mobile device, select the amount to pay, and the transaction is processed instantly, without the need for physical contact or cash. This option streamlines the payment experience for both customers and merchants, providing an efficient and modern solution.

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PART I - ITEM 4 INFORMATION ON THE COMPANY   TELECOM ARGENTINA S.A.
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Credits: offers users the possibility to access financing quickly and easily through the digital platform. Customers can apply for loans with flexible terms, without the need for complex procedures. This service is designed to provide an accessible, agile, and convenient financial solution, tailored to users’ needs.
Personal Pay Paraguay: The rebranding of Billetera Personal to Personal Pay reflects the brand’s commitment to evolution and adapting to customers’ needs. Under the slogan “Un cambio siempre viene bien” (a change is always good!), the launch campaign emphasizes the importance of innovation and leveraging new technologies to enhance the digital experience and maximize benefits. Personal Pay offers a range of features, such as QR payments, reloading the Tarjeta Más (Electronic Ticketing in Paraguay that allows the user to pay for trips without the need to