Orange Business Services has signed an agreement with a Dubai-based technology partner of International Smart Card in Iraq that involves the development of a biometrics-backed epayment service.The agreement with Canny Quest International is to provide SIMs that enable connectivity to support ISC's 6,000 terminals at points of service (POS) across Iraq.ISC has created a new model for e-payment services using smart cards to deliver personalized services, while using biometrics to authenticate customer ID and counter the risk of fraud.The QiCard chip-based smart-card is used for disbursement of pensions, Salaries, and grants, and payments for purchases and fees.The ISC POS terminals are connected to the card management system, which validates transactions through the Orange network. Orange interconnects with all the country's mobile telecoms operators to ensure country-wide coverage and optimized signal quality.Dr Hasan Alkhatib, managing director of Canny Quest International, said: “Iraq is an attractive Greenfield market for innovation, and the country's banking sector is underdeveloped, creating an opportunity for the deployment of new technology.”Philippe Koebel, senior vice president, Emerging Markets and Indirect, Orange Business Services, said: “This new strategic partnership with Canny Quest International is supporting real innovation and a digital transformation leading to a new model for the banking sector in Iraq. It's our first M2M application in the Middle East but more significantly, it's making a real difference to people's lives and we look forward to rolling it out to other countries through our extensive presence in the region.”