Company: TCMFF
Filing Date: 2025-02-28
Form Type: 20-F
Source: 0001104659-25-019133
Chunk: 73

Company: TELECOM ARGENTINA SA
Filing Date: 2025-02-28
Form: 20-F
Item: Item 4
Chunk 73
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 Northern Region.
Regarding data services, our main competitors are Cirion Technologies and Edgeconnex.
In the cybersecurity vertical, Telecom’s competitors are companies that have a multiproduct/multiservice offering such as RAN, NeoSecure, NovaRed, Nextvision Point IT, Murc IT, and Base 4, among others. Telecom’s differentiation lies in the offering of Digital Solutions. Telecom has a robust offering of services and products, and a team with a broad and diverse skill set. Our team holds the most recognized certifications in each practice and is kept up to date through continuous certifications. Telecom is a customer of its own solutions, demonstrating its commitment to the excellence of the services offered.
In terms of consulting services and risk management, Telecom competes with the Big Four consulting firms.
We are actively seeking continuous improvement to increase our market share in Argentina and establish ourselves as cybersecurity leaders.
Finally, and regarding wholesale services, the main competitors in Argentina for connectivity services are Cirion Technologies, Telefónica, ARSAT (a Government owned company) and Silica (Datco Group). This competition causes permanent pricing pressure and forces Telecom to deploy commercial strategies to mitigate the impact of those initiatives on its market share. On the other hand, and in relation to local interconnection traffic, ENACOM sets prices for this service.
Through strategic investments and a continued focus on innovation, Telecom aims to maintain its leadership in the region, meet competitive challenges and continue to provide advanced solutions in cybersecurity, IoT, cloud and other digital services.
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PART I - ITEM 4 INFORMATION ON THE COMPANY   TELECOM ARGENTINA S.A.
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ØFintech Services
Overview
Personal Pay is our digital wallet, through which people can pay, send, save and manage their money the way they want. The massive launch of the application and its functionalities took place in June 2022. 
In 2024, we focused on increasing the number of users and transactions, key elements for the platform’s monetization.
Main products and services
The following functionalities are enabled through Personal Pay:

●   create a 100% digital account, free and in a few steps,
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●   deposit money through transfers or physical collection networks,
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●   send and receive money to/from other banks and/or digital wallets,
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●   recharge mobile phone lines
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●   recharge transport cards,
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●   pay for services,
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●   ask for a VISA Personal Pay prepaid card,
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