Tony Killeen started debt collecting for Hereford council in 1985. But a decade of experience taught him that there had to be a better way of collecting money. So in 1996 he invented Allpay as an electronic payment system that allows people to use swipe cards to pay bills instantly, from council rents to court fines. Today, the Allpay card can be used at 21,000 shops and 19,000 post offices throughout Britain. Sales have grown 114% a year from £343,000 in 1998 to £3.3m in 2001, when the Hereford company employed 16 staff.
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