Two Birmingham entrepreneurs have developed an 'app' which allows shoppers to load cash onto their phone and send payments to anyone for free.
50 businesses in the city have already signed up to the scheme which has no credit card or bank charge and no additional charge to the user or the business.
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Cold overnight, then heavy, wintry showers tomorrow.
Becoming much colder, with wintry showers initially.
"He was the kindest, most loving and loved husband, father and grandfather, loved by everyone that met him."