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dial a tenner

THERE is a new app for the smart phone which, technology experts tell us, will transform the business of settling a restaurant bill when nobody has any change.

Instead of sleight of hand with £20 and £10 notes, cash transfers will be done between diners using something called Pingit.

This bit of software is said to turn your mobile into a wallet. The phones are linked to users' bank accounts and can be used for person-to-person cash transactions.