MANILA, Philippines - Smart Communications Inc. president and chief executive officer Napoleon L. Nazareno (photo) spoke at the GSMA NFC & Mobile Money Summit in New York early this month presenting BayadLoad, a new type of payment using airtime load as a means of payment for government frontline services; and Panalo SIKAP (Sa Ipon at Kabuhayan Aahon Ka Pinoy), the first of its kind mobile-based savings, credit, livelihood and insurance program designed to help improve the lives of the poor.