Optical Transceivers Market Shares, Strategies, and Forecasts, Worldwide, 2014 to 2020

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This 2014 optical transceivers market report has 575 pages as well as 177 data tables and figures. The vendors in the optical transceivers industry have to invest in high-quality technology and processes. The development of innovative products is essential to keeping and growing market share.

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High-speed serial transceivers form the backbone of networks. Communications, servers and many other electronic systems depend on high-speed serial transceivers. Global adoption of the Internet is driving rapid growth of the mega datacenter. Data centers support online commerce, streaming video, social networking, and cloud services. Software as a Service (SaaS) is a primary offering.

Leading vendors offer a broad product selection. They are positioned with innovative technology. Optical module manufacturers address the needs of all major networking equipment vendors worldwide. Leading vendors have taken a leading role in transforming the data communications and tele-communications equipment market.

The shift has been away from utilizing discrete optical components to leveraging the design and pay-as-you-grow flexibility offered by pluggable modules. Optical transceiver products are compliant with Ethernet, Fibre Channel, SONET/SDH/OTN and PON standards. They generally operate at data rates of 10 Gb/s, 40 Gb/s and 100 Gb/s.

Transmitter / Transceivers are capable of distances ranging from very short reach within a datacenter to campus, access, metro, and long-haul reaches. They feature outstanding performance. Units work over extended voltage and temperature ranges. They are positioned to minimize jitter, electromagnetic interference (EMI) and power dissipation.

Optical transceiver components are an innovation engine for the network. Optical transceiver components support and enable low-cost transport throughout the network. Optical transceivers are needed for high speed network infrastructure build-outs. These are both for carriers and data centers. Network infrastructure build-out depends on the availability of consultants who are knowledgeable.
Consultants with extensive experience are needed to bring optical component network design, installation, upgrade and maintenance into development. Optical components are being used to equip data centers, FTTx, metro access or core networks. They are used for long-haul and WAN.

A palette of pluggable optical transceivers includes GBIC, SFP, XFP, SFP+, X2, CFP form factors. These are able to accommodate a wide range of link spans. Vendors work closely with network planners and infrastructure managers to design high speed optical transport systems.

According to Susan Eustis, lead author of the WinterGreen Research team that prepared the study, “The DP-QPSK is the industry-backed modulation scheme for 100Gbps.Commonality between 40Gbps and 100Gbps coherent designs bring a design choice to the issue is relative costs. The economics of 40 Gbps versus 100 Gbps coherent are matters of comparison. If users buy 40 Gbps and an economical 100 Gbps coherent design appears, 40 Gbps coherent get the required market traction to create economies of scale that market the 40Gbps devices viable in the market.”

Designers are shrinking existing 40Gbps modules, boosting 40Gbps system capacity. The 300-pin LFF transponder, at 7x5 inch, requires its own line card. Two system line cards are needed for a 40Gbps link: one for the short-reach, client-side interface and one for the line-side transponder.

The global optical transceiver market at $3.2 billion in 2013 is anticipated to grow to $9.9 billion by 2020 driven by the availability and cost effectiveness of 40 Gbps, 100 Gbps, and 400 Gbps devices. Next generation devices use less power, are less expensive, and are smaller. The adoption of widespread use of the 100 Gbps devices, and the vast increases in Internet traffic are core to change in the communications infrastructure markets.

Companies of the optical transceivers industry profiled in this research include 3SP Group, Accelink, ACON, Advanced Photonix, Agilent Technologies, Alcatel-Lucent, Analog Devices, Avago Technologies, Broadcom, Champion Optical Network Engineering LLC (Champion ONE), Cube Optics, Emcore, Finisar, Foxconn Technology Group, Fujitsu, Furukawa Electric, Gigoptix, Huawei, Ikanos, JDSU, Luxtera, Menara Networks, MRV, NEC, NeoPhotonics, NTT, Oclaro, Oplink, Photon-X, POLYSYS, Reflex Photonics, Rohm Semiconductor, Santec-Source Photonics, Sumitomo, Triquint, Transmode, Vitesse and Zhone Technologies.

Key Topics Covered in Optical Transceivers: Market Shares, Strategies, and Forecasts, Worldwide, 2014 to 2020 Research Report

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Beverage Market Forecasts Asia, East Europe, Africa, Latin America, Middle East North Africa, North America and West Europe 2014

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dSummary

The Global Asia, East Europe, Africa, Latin America, Middle East North Africa, North America and West Europe Beverage Forecast report published by Canadean provides essential information on the prospective trends of the beverage industry in Asia, East Europe, Africa, Latin America, Middle East North Africa, North America and West Europe

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Key Findings
Stable performance is forecast for All Commercial Beverages in 2014
Alcoholic drinks performed the best with dairy drinks actually forecast to experience a decline in 2014 and it is likely to continue throughout the forecast period
Despite soft drinks datable performance in 2014, growth is expected to return to the category

Synopsis
The report offers a top line overview of All Commercial Beverage categories for all historical years and a five year forecast period. The report identifies the future trends and provides insight on the potential drivers of those trends as well as reflecting on the performance of the year gone.

ReasonsToBuy
Designed for clients who want to have an overview on the prospective trends of the Asia, East Europe, Africa, Latin America, Middle East North Africa, North America and West Europe beverage market across the next five years. It is ideal for clients to gain an understanding of the upcoming market conditions in the beverage industry and how each individual category will be affected.

Table of Contents
Beverage Consumption Data Tables

Data Horizon: 1999-2013A (Actual), 2014F-2019F (Forecast)

Measures: Volume (million litres), Population (millions), Litres Per Capita
Population Source: USCB; Local Statistics; Timetric Forecasts; Canadean

Geographic Coverage
NORTH AMERICA: Canada, United States of America

AFRICA: Nigeria, South Africa, Other Africa

MIDDLE EAST & NORTH AFRICA (MENA): Bahrain, Egypt, Iran, Jordan, Kuwait, Lebanon, Oman, Saudi Arabia,
Qatar, Tunisia, United Arab Emirates, Other MENA

WEST EUROPE: Austria, Belgium, Denmark, Finland, France, Germany, Greece, (Republic of)
Ireland, Italy, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, United Kingdom,
Other West Europe


ASIA: China, Hong Kong, India, Indonesia, Japan, Kazakhstan, Malaysia, Pakistan, Philippines, Singapore, South Korea, Taiwan, Thailand, Vietnam

EAST EUROPE: Belarus, Bosnia-Herzegovina, Bulgaria, Croatia, Czech Republic, Estonia, Hungary,
Latvia, Lithuania, Macedonia, Poland, Romania, Russia, Serbia, Slovak Republic, Slovenia, Turkey,
Ukraine, Other East Europe


Regional Balancers
For regions where it has not been possible to generate total market volumes by profiling each
individual country, we have taken a value judgement to arrive at a balancing Others figure.
This is recorded as a separate entity, specific to the Region to which it belongs


Product Coverage
Main beverage category groups: Soft (standard), Soft (extended), Beer, Spirits (standard),
Spirits (extended) and Wines.
Individual beverage categories within each main group are as follows:
Soft (standard): Packaged Water, Carbonates, Juice (100% pure juice), Nectars (products
with a 25-99% juice content), Still Drinks (<25% juice content), Squash/Syrups, Fruit Powders,
Iced/Ready To Drink (RTD) Tea, Iced/Ready To Drink (RTD) Coffee, Sports Drinks,
Energy Drinks. Packaged Water excludes all water sold in large containers of >10 litres
Soft (extended): Bulk/HOD Water, White Milk, Flavored Milk, Soymilk, Drinking Yogurt,
Fermented Milk, Evaporated Milk, Condensed Milk, Grain Nut Rice and Seed Milk Alternative Drinks,
Hot Coffee, Hot Tea
Beer: Beer, Sorghum Beer and Cider
Spirits (standard): Spirits (excludes Fortified Wine and Flavored Alcoholic Beverages (FABs))
Spirits (extended): Flavored Alcoholic Beverages (FABs), Fortified Wine, Rice Wine and Sake
Wines: Wine (Still and Sparkling combined)

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Biotechnology RNAi Analysis - Global Market Size, share, trend , growth and strategy

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The global RNAi market is analyzed by Tools/Products and Applications for each of the geographic regions- North America, Europe, Asia-Pacific and Rest of World.

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The RNAi Tools/Products are further segmented into Design/Software (miRNA Target Scan, miRNA Analysis Software, and Design Software), Synthesis (Expression Vectors, Chemical, miRNA Isolation, Dicer/RNAseIII, and In Vitro), Delivery (Vector Based, Transfection Reagents, and Electroporation), Monitoring/Optimizing (Primers for RTqPCR, Controls, and miRNA Detection Tools), and Libraries (Human, Mouse, and Rat).

Application by Research (Functional Genomics, Metabolism, and Protein Chemistry), Therapeutics (Oncology, Neurology, Ophthalmology, and Virology) and Drug Development (Target Identification, Target Validation, and Drug Mechanism) are also analyzed.

Business profiles of 26 major companies are discussed in the report.

The report serves as a guide to global RNAi industry, as it covers more than 350 companies that are engaged in RNAi R&D, discovery, testing and supply of products and services.

Major Contract Research Organizations serving RNAi industry are also covered in the Corporate Directory section of this report.

Information related to recent product releases, product developments, partnerships, collaborations, and mergers and acquisitions is also covered in the report.

Estimations and predictions are provided by geographic region with exclusive graphical representations illustrated for 476 exhibits.

Table of Content

1. SCOPE AND METHODOLOGY

2. REPORT SYNOPSIS
2.1 Introduction to RNAi
RNAi - Nature’s Way of Silencing Gene
Definition
Summary
RNAi – The Main Objectives of Our Study
RNAi – Some Basics
History of RNAi
RNAi – Origins and Discovery
2.2 Segmentation of RNAi
Exhibit 1. Segmentation of Global RNAi Market by Application and Tools/Products
Exhibit 2. Segmentation by Application
Exhibit 3. Segmentation by Tools/Products
Facts About RNAi
Relation between siRNA Length and siRNA Function
Functional Significance of siRNA Length
Is siRNA Length Influential of siRNA Function?
Use of RNAi in Mammalian Systems
2.3 RNAi - Global Market Analysis
Exhibit 4. RNAi– Global Market Estimations & Predictions (2005 -2020) in US$ Million (Graphical Representation Included)
Exhibit 5. List of Major RNAi Global Companies

3. MARKET DYNAMICS

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Clothing Retailing Market Europe 2014 - Global Market Size, share, trend , growth and strategy

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This report series covers the 19 leading economies of Western Europe. In total these countries account for around 95% of all European retail sales, excluding Russia.

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This data in its entirety is contained in the single copy 19-country report, which gives a full overview of clothing retailing in Europe. Single country reports are also available for the UK, France, Germany, Spain and Italy.

As in previous years, the focus of the European clothing report is the clothing specialists, because these are the dominant players in the sector. Nevertheless, for each country in this report we provide total consumer spending data for clothing, which includes expenditure through all channels. And we include Mintel’s Channels of Distribution estimates for each European country, which indicate how this spending is distributed by retail sector.

This year, our exclusive consumer research spanned the UK, France, Germany, Italy and Spain. In each of these markets, we asked consumers which retailers they had bought clothing from in the past year, and whether this was online or offline, and how important certain attributes are to them when shopping for clothes.

Table of Content

Executive Summary – Europe

Consumer spending on clothing: growth recovers
Figure 1: Europe: Consumer spending on clothing, (incl sales tax), 2009-14
Spending by country: big five dominate
Figure 2: Europe: Estimated consumer spending on clothing, by country (incl sales tax), 2014
Figure 3: Europe: Estimated per-capita consumer spending on clothing, by country (incl sales tax), 2014
The specialists sector in Europe: lagging growth in spending
Figure 4: Europe: Clothing and footwear specialists’ sales (excl sales tax), 2009-14
Figure 5: Europe: Clothing and footwear specialists’ sales forecast (excl sales tax), 2014-19
Europe’s leading specialists: Young-fashion leaders pull ahead
Figure 6: Europe: Leading clothing specialists’ market shares, 2012 and 2013

Introduction and Report Scope

Report coverage
Definitions
Retail sector definitions
Consumer spending definitions
Financial definitions
Currencies
Sales tax rates
Figure 7: VAT rates, 2010-14
Abbreviations

European Summary – The Market

Key points
Spending
Figure 8: Europe: Consumer spending on clothing, by country (incl sales tax), 2009-14
Figure 9: Estimated per-capita consumer spending on clothing, by country (incl sales tax), 2014
Figure 10: Europe: Per-capita consumer spending on clothing, by country (incl sales tax), 2009-14
Online sales estimates
Figure 11: Europe: Estimated online sales of clothing and footwear, 2013 and 2014
Figure 12: Europe: Estimated online sales as % of all spending on clothing and footwear, 2013 and 2014
Major online-only retailers
Figure 13: Europe: Selected major online-only retailers’ revenues, 2012 and 2013
Europe’s clothing specialists sector
Figure 14: Europe: Clothing and footwear specialists’ sales (excl sales tax), 2009-14
Figure 15: Europe: Clothing and footwear specialists’ sales forecasts (excl sales tax), 2014-19
Europe’s leading clothing specialists
Figure 16: Europe: Leading clothing specialists’ net revenues, 2009-13
Store numbers
Figure 17: Europe: Leading clothing specialists’ outlet numbers, 2009-13

European Summary – The Consumer

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Construction in Algeria - Key Trends and Opportunities to 2018 - Global Market Size, share, trend , growth and strategy

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This report provides detailed market analysis, information and insights into the Algerian construction industry including:

The Algerian construction industry's growth prospects by market, project type and type of construction activity
Analysis of equipment, material and service costs across each project type in Algeria

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Critical insight into the impact of industry trends and issues, and the risks and opportunities they present to participants in the Algerian construction industry
Profiles of the leading operators in the Algerian construction industry
Data highlights of the largest construction projects in Algeria

Executive summary

The Algerian construction industry increased at a compound annual growth rate (CAGR) of 9.89% during the review period (2009−2013), in nominal terms. This growth was supported by private and public investment in infrastructure, residential, commercial and institutional construction projects in an effort to diversify the country’s economy and reduce its dependence on oil. Under the Five-Year Plan (2010–2014), the government is investing heavily in infrastructure construction in order to enhance transport across Algeria. Consequently, the industry is expected to continue to progress at a healthy pace over the forecast period (2014–2018), registering a CAGR of 8.15%.

Scope

This report provides a comprehensive analysis of the construction industry in Algeria. It provides:

Historical (2009–2013) and forecast (2014–2018) valuations of the construction industry in Algeria using construction output and value-add methods
Segmentation by sector (commercial, industrial, infrastructure, institutional and residential) and by project type
Breakdown of values within each project type, by type of activity (new construction, repair and maintenance, refurbishment and demolition) and by type of cost (materials, equipment and services)
Analysis of key construction industry issues, including regulation, cost management, funding and pricing
Detailed profiles of the leading construction companies in Algeria

Reasons to buy

Identify and evaluate market opportunities using Timetric's standardized valuation and forecasting methodologies
Assess market growth potential at a micro-level with over 600 time-series data forecasts
Understand the latest industry and market trends
Formulate and validate business strategies using Timetric's critical and actionable insight
Assess business risks, including cost, regulatory and competitive pressures
Evaluate competitive risk and success factors

Key highlights

Algeria, a middle-income economy, is heavily dependent on its hydrocarbons industry. Oil and natural gas are the major growth drivers, accounting for 30.0% of GDP, 60.0% of budget revenues and over 95.0% of the export earnings in 2013. The government has actively pursued a policy of diversification, and imposed restrictions on imports and the involvement of foreign enterprises, with the aim of reducing its dependence on oil. The five-year development plans are being implemented to encourage investments in non-oil and gas industrial activities in order to bolster the private sector, attract foreign investment, and provide adequate employment opportunities for younger Algerians.

As part of the 2010–2014 five-year plan, a number of health projects were proposed, resulting in the establishment of 1,500 health facilities, which includes the construction of 1,000 health centers, 172 hospitals, 377 clinics, 45 specialized health complexes and 70 specialized institutions for disabled persons. The Algerian healthcare sector received significant investments during the review period, and is expected to continue receiving these over the next five years.

To support the development of the energy sector and the construction of new power plants, the government introduced the feed-in tariff (FiT) scheme for the development of large-scale PV power plants. This new scheme aims to help the government in meeting its goal of 800.0MW of solar capacity by 2020, as well as that of installing 22,000.0MW of renewable energy capacity by 2030.

In April 2013, Sonatrach, the Algerian national oil company, announced to invest DZD6.3 trillion (US$80.0 billion) in hydrocarbon industry, to enhance downstream and upstream activities in the industry. As part of this investment, Algeria aims to construct four refineries over the forecast period, valuing DZD1.2 trillion (US$15.0 billion) overall.

To improve the country’s drinking water distribution system, wastewater treatment, and water pollution control, the Algerian government allocated DZD1.5 trillion (US$20.0 billion) under its five-year infrastructure program (2010–2014). The country’s government plans to invest DZD746.3 billion (US$10.0 billion) on the construction of 32 dams and 25 water transfer systems, DZD74.6 billion (US$1.0 billion) on 40 wastewater treatment plants, DZD52.2 billion (US$700.0 million) on irrigation and drainage projects and DZD74.6 billion (US$1.0 billion) on improving water distribution systems for 37 cities. All these projects are expected to support the growth of the water infrastructure category, which is anticipated to register a forecast-period CAGR of 9.18%.

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Fruit and Vegetables Market US 2014 - Global Market Size, share, trend , growth and strategy

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Respondents report that only 16% of their daily food intake consists of vegetables and 16% consists of fruit, which is far less than the share of plate for these foods recommended by the USDA’s MyPlate nutritional guide. Brands and grocers have an opportunity to increase the appeal of their fresh produce items by adding convenience – such as precut, prepackaged versions and resealable bags – that could help overcome objections to rising prices.


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Table of Content

Scope and Themes

What you need to know
Definition
Data sources
Sales data
Consumer survey data
Abbreviations and terms
Abbreviations

Executive Summary

Moderate category growth forecast
Figure 1: Total US retail sales and fan chart forecast of fruit and vegetables, at current prices, 2009-19
Fresh vegetables and fruit dominate among segments
Figure 2: Total US retail sales of fruit and vegetables, by segment, at current prices, 2012 and 2014
Highly fragmented MULO category; private label comprises 38% share
Figure 3: MULO sales of fruit and vegetables, rolling 52 weeks 2014
The consumer
Lettuce, tomatoes most purchased; respondents buy fresh far more than other formats
Figure 4: Vegetable purchases (any purchase), July 2014
Bananas, strawberries most purchased; fresh bought far more than other formats
Figure 5: Fruit purchases (any purchase), July 2014
Some 45% report eating a wider variety of fruit and vegetables than ever before
Figure 6: Consumption, purchase behavior, and preferences toward fruit and vegetables, July 2014
More than four in 10 say produce prices have increased where they normally shop
Figure 7: Attitudes toward fruit and vegetable consumption, July 2014
What we think

Issues and Insights

How can brands and grocers encourage more consumption?
The issues
Insight: Make fresh more convenient; target kids
How can frozen and canned brands compete with fresh?
The issues
Insight: Better messaging about flavor and nutrients
How can brands compete with the growing number of alternative products?
The issues
Insight: Precut fruit and vegetables for juicing; showing how whole foods provide more nutrients than supplements; casting bars as too sugary and processed

Trend Applications

Trend: Prepare for the Worst
Trend: Hungry Planet
Trend: Experience Is All

Market Size and Forecast

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Finlands Cards and Payments Industry - Emerging Opportunities, Trends, Size, Drivers, Strategies, Products and Competitive Landscape

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The report provides top-level market analysis, information and insights into Finland's cards and payments industry, including:

Current and forecast values for each category of Finland's cards and payments industry, including debit cards, credit cards and charge cards

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Comprehensive analysis of the industry’s market attractiveness and future growth areas
Analysis of various market drivers and regulations governing Finland's cards and payments industry
Detailed analysis of the marketing strategies adopted for selling debit, credit and charge cards used by banks and other institutions in the market
Comprehensive analysis of consumer attitudes and buying preferences for cards
The competitive landscape of Finland's cards and payments industry

Executive summary

The European debt crisis had a profound effect on Finland’s economy, with GDP contracting by 1.4% in 2013. The subdued economic development from 2009 onwards had a dampening effect on the overall cards and payments industry during the review period (2009–2013). As the country entered into a recession for the third time in 2014, economic recovery is anticipated to be sluggish, which is likely to impede the cards and payments industry’s growth over the forecast period (2014–2018).

In terms of number of cards in circulation, the Finnish payment cards instrument, including debit, credit and charge cards, registered positive growth during the review period, recording a compound annual growth rate (CAGR) of 2.03%, increasing from 10.6 million cards in circulation in 2009 to 11.4 million in 2013. In terms of transaction value, payment cards valued EUR56.6 billion (US$75.1 billion) in 2013, after registering a review-period CAGR of 3.27%.
Improved banking infrastructure, new product developments, and higher awareness of electronic payments and wider acceptance of payment cards at point-of-sale (POS) terminals were key factors driving growth. The adoption of Europay, MasterCard and Visa (EMV) standards and the emergence of contactless technology supported this growth.
The average transaction value (ATV) in Finland was US$54.1 in 2013, which was the lowest among Nordic countries such as Norway, Denmark and Sweden, which recorded ATVs of US$68.3, US$56.6 and US$55 respectively. In terms of card penetration, Norway had the highest level of penetration with 3.6 cards per inhabitant, followed by Sweden with 2.3, Denmark with 2.4 and Finland with 1.5.

Despite having one of the smallest populations in the eurozone, Finland leads the world in terms of frequency of use of payment cards. Finland recorded the highest frequency of use in 2013, with 172.8 transactions per card, followed by Denmark with 159.2, Sweden with 114.1, the Netherlands with 107.1, and Australia with 96.6. According to a 2013 study by the Federation of Finnish Financial Services, two-thirds of Finns use payment cards for regular purchases at grocery stores, supermarkets and gas stations. With the government’s proposed reforms to be introduced in late 2014, making it compulsory for retailers to offer electronic options for small-value payments, the frequency of use is anticipated to accelerate further over the forecast period.

Scope

This report provides a comprehensive analysis of Finland's cards and payments industry.
It provides current values for Finland's cards and payments industry for 2013, and forecast figures for 2018.
It details the different economic, infrastructural and business drivers affecting Finland's cards and payments industry.
It outlines the current regulatory framework in the industry.
It details the marketing strategies used by various banks and other institutions.
It profiles the major banks in Finland's cards and payments industry.

Reasons to buy

Make strategic business decisions using top-level historic and forecast market data related to Finland's cards and payments industry and each market within it.
Understand the key market trends and growth opportunities within Finland's cards and payments industry.
Assess the competitive dynamics in Finland's cards and payments industry.
Gain insights in to the marketing strategies used for selling various card types in Finland.
Gain insights into key regulations governing Finland's cards and payments industry.

Key highlights

The European debt crisis had a profound effect on Finland’s economy, with GDP contracting by 1.4% in 2013. The subdued economic development from 2009 onwards had a dampening effect on the overall cards and payments industry during the review period (2009–2013). As the country entered into a recession for the third time in 2014, economic recovery is anticipated to be sluggish, which is likely to impede the cards and payments industry’s growth over the forecast period (2014–2018).

In terms of number of cards in circulation, the Finnish payment cards instrument, including debit, credit and charge cards, registered positive growth during the review period, recording a compound annual growth rate (CAGR) of 2.03%, increasing from 10.6 million cards in circulation in 2009 to 11.4 million in 2013. In terms of transaction value, payment cards valued EUR56.6 billion (US$75.1 billion) in 2013, after registering a review-period CAGR of 3.27%.
The average transaction value (ATV) in Finland was US$54.1 in 2013, which was the lowest among Nordic countries such as Norway, Denmark and Sweden, which recorded ATVs of US$68.3, US$56.6 and US$55 respectively. In terms of card penetration, Norway had the highest level of penetration with 3.6 cards per inhabitant, followed by Sweden with 2.3, Denmark with 2.4 and Finland with 1.5.
Despite having one of the smallest populations in the eurozone, Finland leads the world in terms of frequency of use of payment cards. Finland recorded the highest frequency of use in 2013, with 172.8 transactions per card, followed by Denmark with 159.2, Sweden with 114.1, the Netherlands with 107.1, and Australia with 96.6. According to a 2013 study by the Federation of Finnish Financial Services, two-thirds of Finns use payment cards for regular purchases at grocery stores, supermarkets and gas stations. With the government’s proposed reforms to be introduced in late 2014, making it compulsory for retailers to offer electronic options for small-value payments, the frequency of use is anticipated to accelerate further over the forecast period.

Contactless payments are being rolled out across the country, in areas such as public transport systems and at retail merchants. In 2012, Elisa issued prepaid stickers to students using near-field communication (NFC) technology in association with MasterCard, and benefit and discount card Lyyra. These stickers were issued to more than 100,000 students, and can be used in college canteens and at other stores where contactless terminals are installed.

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