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Swiss MICSI is a revolutionary mobile payment and Internet payment system. The client has the possibility to accomplish, through the simplest GSM Phone, financial transactions by SMS in the same secure way than accessing an Online Banking Account. It is free to create an account. Everybody can start transmiting and collecting payments, executing commercial transactions, from the internet or from every kind of GSM phone. To open a Swiss MICSI account, the only prerequisites are a valid email and a valid mobile phone number. At the beginning, it is even possible to open an account just by Short Message System.