Tuesday, June 15, 2010

Chip and PIN Technology Reduces Skimming Fraud for First Time in Australia

Figures from the APCA show that skimming fraud on Australian-issued credit cards and signature-permitted debit cards has dropped for the first time ever from A$50.1 million ($42.8 million) in 2008 to A$37.5 million ($32 million) in 2009.  

The Australian Payments Clearing Association (APCA) attributed the drop in skimming fraud to the rollout of chip and PIN technology.  According to the APCA, debit card fraud on PIN-only transactions increased, with the number of cases of fraud rising from 1.6 in every 100,000 transactions to 2.5.  <<
read more>>

Sen. Durbin Defends His Amendment, Fires Back at Small Banks

U.S. Senator Richard Durbin, of Illinois.Image via Wikipedia

Defending His Amendment, Sen. Durbin Fires Back at Small Banks
(from Digital Transactions News on 6-15-2010)

U.S. Sen. Richard Durbin is chastising small banks and credit unions for not liking his debit card interchange regulation proposal, and Visa Inc. claims consumers strongly oppose legislation that would raise their costs or reduce their cards’ utility.  These developments emerged as the House of Representatives and the Senate begin to reconcile their differing versions of the sweeping financial-industry reform bill. The Senate added the so-called Durbin Amendment at the last minute May 13, much to the surprise of the payment card industry.  <<<read more>>>

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178 Arrested During Card Fraud Raids in 12 Countries

178 Arrested in Card Fraud Raids
(from BankInfoSecurity.com on June 15th 2010)

First 4 digits of a credit card

In what is being called one of the largest credit card fraud ring busts to date, the Spanish Interior Ministry says police in 12 countries have arrested 178 people suspected of being part of an international crime gang.  According to a statement from the Spanish ministry, these arrests resulted from a two-year investigation and included raids in France, Italy, Germany, Ireland, Romania, Australia, Sweden, Greece, Finland, Hungary and the United States, where eight of the suspects were arrested. Police say this alleged gang wa... read more»

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Digital Currency “The Future of Government Payments”

Visa inc. Press Release

Speakers at THE HILL Briefing in Washington, D.C. Discuss Benefits of Electronic Payments – Citing Security, Convenience and Hundreds of Millions in Taxpayer Savings by Migrating from Paper

WASHINGTON--(BUSINESS WIRE)--Digital currency has the potential to dramatically transform government payments in the next five years, saving U.S. taxpayers hundreds of millions of dollars in the process, according to representatives from the government and private sector.
“The results demonstrate that the migration from paper to electronic payments is a positive phenomenon, and the study supports the adoption of policies that encourage and accelerate this shift.”
The positive impact of digital currency on all aspects of government payments and purchasing was highlighted at a briefing in Washington, D.C. today hosted by THE HILL, the widely-read congressional newspaper, and sponsored by Visa. Speakers at the event, including Douglas Michelman, global head of Corporate Relations at Visa Inc., pointed to plans by state, local and federal government agencies to launch or expand electronic payment programs to improve efficiency, accountability and transparency.
“We all know that governments at every level are struggling with their budgets in these tough economic times, and achieving savings, improved accountability and transparency are even more urgent,” said Michelman. “Switching from inefficient paper processes to digital currency can have a sizable long-term impact in terms of real dollars and cents.”
Among the expected future savings cited at the event:
  • The U.S. Department of Treasury announced this week plans to switch to electronic payments, eliminating about 136 million paper checks, saving almost $50 million in postage costs and saving U.S. taxpayers about $300 million over the first five years and more beyond.

  • The U.S. Social Security Administration and U.S. Department of Veterans Affairs recently announced the completion of the switch to digital currency for benefits payments. The U.S. Treasury reported that while it costs about a dollar to print and mail a check, each digital currency payment cost the government 10 cents.

“It is encouraging that government agencies of all sizes are embracing digital currency as a way to deliver immediate and lasting benefits to U.S. taxpayers,” continued Michelman. “The benefits of electronic payments don’t just hit the bottom line: cardholders, particularly the financially underserved, benefit from lower check cashing fees and an empowering financial tool that can be used at millions of merchant locations and ATMs.”
  • Currently, 39 U.S. states deliver benefits on Visa prepaid cards to recipients of 71 programs for child support, unemployment insurance and Temporary Assistance for Needy Families (TANF) disbursements. Some states have realized savings that have reduced the cost of distributing benefits dramatically. Nebraska, for example, used to pay 59 cents to print and mail each check, but pays only about a penny to reload a prepaid card.

  • In addition, the U.S. General Services Administration’s SmartPay program provides purchase, travel, fleet and integrated payment card programs to more than 350 federal agencies and departments, saving these agencies $1.7 billion – up to $70 per purchase, according to the GAO.

Other speakers at the event included Senator Mark Warner (D-VA), who was the keynote speaker, and Glen B. Gainer III, West Virginia State Auditor. Both men addressed the power of technology—including digital currency—to improve government efficiency, accountability and transparency.
The government savings derived from shifting from paper to electronic payments echo the findings of a recent study authored by Moody’s Economy.com Chief Economist Mark Zandi. It concluded that the migration from paper to electronic payments – specifically debit and credit card usage – contributed $1.1 trillion to the global economy from 2003 through 2008. That represents on average a 0.5 percent increase in global GDP.
“Cards grease the economic engine, making transactions run more smoothly and creating efficiencies in commerce,” according to the report. “The results demonstrate that the migration from paper to electronic payments is a positive phenomenon, and the study supports the adoption of policies that encourage and accelerate this shift.”
About Visa Inc.
Visa is a global payments technology company that connects consumers, businesses, financial institutions and governments in more than 200 countries and territories to fast, secure and reliable digital currency. Underpinning digital currency is one of the world’s most advanced processing networks—VisaNet—that is capable of handling more than 10,000 transactions a second, with fraud protection for consumers and guaranteed payment for merchants. Visa is not a bank, and does not issue cards, extend credit or set rates and fees for consumers. Visa’s innovations, however, enable its financial institution customers to offer consumers more choices: Pay now with debit, ahead of time with prepaid or later with credit products. For more information, visitwww.corporate.visa.com.


For Visa Inc.

Steve Burke, +1 703-683-5004, ext.108

Permalink: http://www.businesswire.com/news/home/20100615006607/en/Digital-Currency-%E2%80%9CThe-Future-Government-Payments%E2%80%9D

Opposition to a Senate Amendment on Debit Card Interchange Fees is Growing

Industry Fights Back in U.S. Debit Interchange Battle
(from Lafferty Group on 6-15-2010)
The Independent Community Bankers of America (ICBA) and the Credit Union Nation Association (CUNA) have written to Durbin to express their opposition to the proposed amendment. The associations argue that Durbin’s proposed reforms would reduce rates for small financial institutions, but Durbin says that 99 percent of all banks and credit unions are exempt from the proposed amendment.

In an open letter, Durbin wrote to the associations: “The idea that Visa and MasterCard will drive small banks away from offering debit cards by voluntarily and unilaterally reducing debit interchange rates for small financial institutions – even though such action would be contrary to their own economic interests and negatively affect a multi-billion dollar annual revenue stream – is absurd. Even corporate spite has some boundaries, and sacrificing revenues seems inconsistent with the profit-driven actions that Visa and MasterCard have taken to date.”

read more»

Barron's: "Senate Seen Softening on Interchange"

Credit Suisse says marginal-cost language could be removed from a bill.

SEN. RICHARD DURBIN'S (D-ILL.) Amendment #3989 is currently included in the base text of the financial-reform legislation.

As the bill goes through the reconciliation process, we believe there is a probability that the language of the amendment will be softened. Specifically, the marginal-cost language could be removed and/or limited to interchange fees paid to issuers.

Recall, the amendment will give the Fed the power to ensure that interchange fees charged for debit-card transactions are reasonable and proportional to the costs incurred to process the transactions. Additionally, it would limit payment-card networks from imposing anticompetitive restrictions on small businesses ...

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CIBC to buy Citigroup's Canada MasterCard business


CIBC to acquire C$2.1 billion portfolio from Citigroup

 (from Reuters) 

Transaction seen adding to earnings in first year

June 14 (Reuters) - Canadian Imperial Bank of Commerce (CM.TO), Canada's No. 5 bank, said on Monday it agreed to buy Citigroup's (C.N) C$2.1 billion ($2 billion) Canadian MasterCard business, becoming a dual credit card issuer.
"Through this transaction, CIBC, which had more than C$14 billion in outstanding credit card balances at April 30, 2010, will become the largest dual credit card issuer in Canada," the Toronto-based bank said in a statement... read more»


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BankAtlantic Converts Instant Issue Program to Unembossed Debit Cards Utilizing Dynamic Card Solutions’ Instant Issue Technology

ENGLEWOOD, Colo.--(BUSINESS WIRE)--Dynamic Card Solutions (DCS), the leading provider of instant issuance and PIN selection solutions for banks, credit unions and retailers that issue magnetic stripe, EMV and contactless cards, today announced that BankAtlantic, one of the largest financial institutions headquartered in Florida, has upgraded their instant card issuance technology to offer unembossed debit cards at 99 of its branch locations.

“Our instant issue program has been a huge success over the years, and converting to unembossed cards enables us to offer an even higher level of customer service as well as streamline our branch issuance process.”
BankAtlantic first started working with DCS in 2006 to implement an instant issue program for their MasterCard® debit card program using embossed technology. Seeking to provide further convenience to its customers with unembossed cards, BankAtlantic recently converted to DCS’ FCP 20/20 flat card printers and, with the help of DCS’ CardWizard instant issue software, now issues personalized unembossed debit cards to new and existing customers within a matter of minutes.
By utilizing the FCP 20/20 flat card printers, BankAtlantic now has the ability to offer and produce from “branded white stock” a variety of images that cardholders can select for their card background, including special local images specific to their regions in Miami, Ft. Lauderdale, Palm Beach and Tampa. After selecting a background image, DCS' CardWizard software transfers all personalization data fully encrypted to the FCP 20/20 printer. The unembossed debit card is then quickly and securely issued with high-definition printing onto both sides of the branded white stock.
“BankAtlantic prides itself in offering superior customer service,” said Tom Triozzi, senior vice president, director of marketing for BankAtlantic. “Our instant issue program has been a huge success over the years, and converting to unembossed cards enables us to offer an even higher level of customer service as well as streamline our branch issuance process.”
Instant issuance of personalized unembossed cards has proven to be a value-add service and competitive differentiator to financial institutions. The issuing of unembossed cards from a single card stock greatly improves the operational process of shipping, securing and end of day balancing. It also enables card background choices, so cards can become top-of-wallet, thus increasing usage and interchange revenue.
For more information about DCS’ instant issue technology, please visit www.instantissuance.com.
About BankAtlantic: BankAtlantic, “Florida’s Most Convenient Bank”, is one of the largest financial institutions headquartered in Florida. Via its broad network of community branches, online banking division - BankAtlantic.com, and conveniently located ATMs, BankAtlantic provides a full line of personal, small business and commercial banking products and services. BankAtlantic is open 7 days a week with extended weekday hours, Free Online Banking & Bill Pay, a 7-Day Customer Service Center and Change Exchange coin counters. BankAtlantic Bancorp, Inc. (NYSE:BBX) is a bank holding company and the parent company of BankAtlantic.
About Dynamic Card Solutions
Founded in 1996 and a wholly owned subsidiary of Dynamic Solutions International, Dynamic Card Solutions (DCS) is the leading provider of instant issuance and PIN selection solutions for banks, credit unions and retailers that issue EMV, contactless and magnetic stripe cards. With over 500 financial institution customers supporting thousands of active branches, DCS is the leading instant issuance provider for Visa® and MasterCard® debit cards worldwide. DCS is dedicated to meeting the needs and requirements of complex issuance environments, and has the experience to guide you through the procedures and processes required to implement a best-in-class instant issuance operation for contact and contactless EMV and magnetic stripe cards. For additional information, call +1 303.754.2000 or visit the Dynamic Card Solutions Web site at www.instantissuance.com.


Dynamic Card Solutions contact:

Kristin Eckmann, 303-840-4428

Permalink: http://www.businesswire.com/news/home/20100615006304/en/BankAtlantic-Converts-Instant-Issue-Program-Unembossed-Debit

Joseph L. Cowan Named President and CEO of Online Resources

John C. Dorman to Continue as Chairman of the Board

http://www.orcc.comCHANTILLY, Va.--(BUSINESS WIRE)--Online Resources Corporation (Nasdaq: ORCC), a leading provider of online financial services, today announced that veteran technology executive Joseph L. Cowan has been named President and Chief Executive Officer of the company effective immediately. He succeeds interim chief executive officer John C. Dorman, who will continue as Chairman of the company’s Board of Directors.
“I am delighted to have the opportunity to build upon Online Resources’ successes and expand its reach as a leading provider of financial technology services.”
Mr. Cowan brings to Online Resources a proven track record in executive management in technology companies, including significant experience in repositioning companies for sustainable growth. Most recently, he served as chief executive officer of publicly owned Interwoven, an enterprise content management software company. At Interwoven, Mr. Cowan achieved record financial performance, growing revenue from $200M to $260M and operating profit margins from 11% to 19% over a two-year period.
“Joe has a history of guiding companies through challenging situations by implementing successful business strategies that accelerate competitiveness and reignite top-line growth,” said Mr. Dorman. “We are very pleased to welcome him to Online Resources and are confident that he will be instrumental not only in driving revenue growth and profitability, but restoring predictability to our business model.”
Prior to Interwoven, Mr. Cowan was chief executive officer of Manugistics Group, a publicly owned supply chain management software company. There, he developed and executed a successful turn-around plan in a competitive and declining market that resulted in the company’s first profit and positive cash flow in over five years.
Mr. Cowan also served as president and chief executive officer of EXE Technologies, and in management positions at Invensys, Wonderware, Texas Instruments, Eurotherm Corp. and Monsanto. He holds a MS in engineering from Arizona State University and a BS in electrical engineering from Auburn University.
In addition to becoming President and CEO, Mr. Cowan has also been elected to the Online Resources Board of Directors. He joins the group of Directors that will stand for election by stockholders in 2011. Mr. Cowan also serves as a Director of Blackboard Inc. (Nasdaq (GS): BBBB).
“Online Resources has a history of providing its financial institution and biller clients with outstanding service and a world-class set of products,” said Mr. Cowan. “I am delighted to have the opportunity to build upon Online Resources’ successes and expand its reach as a leading provider of financial technology services.”
About Online Resources
Online Resources (Nasdaq: ORCC) powers financial interactions between millions of consumers and the Company’s financial institution and biller clients. Backed by its proprietary payments gateway that links banks directly with billers, the Company provides web and phone-based financial services, electronic payments and marketing services to drive consumer adoption. Founded in 1989, Online Resources has been recognized for its high growth and product innovation. It is the largest financial technology provider dedicated to the online channel. For more information, visitwww.orcc.com.

Green Mill Restaurants, Inc. to Mobile-Enable its Brand Through a Relationship with Mocapay

By Leveraging the Mocapay Mobile Suite, Green Mill Will Leverage the Mobile Channel to Engage with Customers Before, During and After a Transaction

http://www.mocapay.comDENVER--(BUSINESS WIRE)--Mocapay continues to expand its mobile suite through a new strategic relationship with Green Mill Restaurants, a Midwest casual dining restaurant franchise. Through the relationship Green Mill will leverage Mocapay’s mobile suite to offer customers a mobile experience complete with secure mobile payments and mobile offers. The company willmobile-enable its gift and loyalty program as well as integrate mobile marketing.
“Mobile is becoming an integral part of our industry and is demonstrating positive results on customer decision making”
Mocapay’s unique Software-as-a-Service (SaaS) mobile platform offers Green Mill a complete mobile suite – mMarketingmLoyalty, and mGift – to leverage the mobile channel and support its marketing and sales strategies. Green Mill will tap the Mocapay suite to provide its customers with targeted mobile campaigns as well as the industry’s only patented solution that provides secure mobile payments. Using the mobile suite Green Mill’s customers will be able to find the nearest Green Mill restaurant location, access their account balance and transaction history, reload their Green Mill account, accrue & redeem loyalty points and receive personalized and targeted SMS messages with exclusive offers.
“Mobile is becoming an integral part of our industry and is demonstrating positive results on customer decision making,” said Paul Dzubnar, CEO, Green Mill. “We chose Mocapay to mobilize the Green Mill brand because of its full featured mobile suite. With Mocapay we can increase customer engagement by tapping into the mobile channel to support our marketing and sales initiatives and measure campaigns in real-time to see what is working in specific areas and among different demographics.”
As a mobile SaaS solution, the flexibility of the Mocapay platform enables Green Mill to expand mobile payments and mobile marketing programs into all 28-store locations, while retaining the investment it has made in its existing point of sale equipment.
“We are excited to be working with Green Mill in providing them with a customized mobile solution that helps expand its footprint by introducing a new sales and marketing channel to increase same store sales,” said Kevin Grieve, CEO, Mocapay. “Mobile enabling marketing and sales is truly impacting casual dining restaurants core marketing strategy. Not only does it provide a new channel to engage with customers but going mobile is helping to solve addressability, personalization and message relevance issues found in traditional marketing strategies since campaign measurement can be done in real-time.”
About Mocapay
Mocapay is a mobile platform for innovative merchants that offers an integrated marketing and sales solution to enhance the lifetime value of a customer. The platform addresses merchants’ need for a new channel that will broaden their loyalty and gift programs by mobilizing sales and marketing to reach customers anytime, not just at the point of sale, encourage purchases and build a stronger brand affinity. For innovative financial institution issuers, Mocapay reduces the implementation time, support complexity and costs associated with secure mobile payments increasing and accelerating consumer and merchant adoption. Based in Denver, Mocapay is a privately held, venture funded company founded in 2006. For more information, visit www.mocapay.com.
About Green Mill
For more than 30 years Green Mill Restaurant and Bar has been exceeding customers' expectations by providing award-winning food and service in a fun, family friendly environment. With 28 restaurant locations throughout the Midwest, Green Mill has grown to be one of the most popular neighborhood restaurants and bars in the communities they serve. Green Mill's Mug & Mill Clubs gives loyal customers access to a wide variety of members'-only benefits and privileges including free drinks, food discounts and more. To reflect the commitment to sustainable agriculture, Green Mill is pleased to offer choices from local farmers and ranchers. Please visit www.greenmill.com.


104 West Partners

Johanna Erickson, 720-407-6077

Johanna . Erickson@104west .com
Permalink: http://www.businesswire.com/news/home/20100615005746/en/Green-Mill-Restaurants-Mobile-Enable-Brand-Relationship-Mocapay

Hackers Say iPad Has More Security Holes...

Hackers say iPad has more security holes - Compiled by e-Secure-It.com News Feed
(from CNN on 6-15-2010)
A day after AT&T fessed up to its iPad 3G customers about a security breach, the hackers that exploited the vulnerability in AT&T's website said there are still lurking security problems related to the iPad. In a blog post, hacker group Goatse Security said Monday that a "skilled attacker" could take advantage of a weakness in the iPad's Safari Internet browser. The browser's bug could potentially allow someone to gain unwanted access to a user's iPad when that user clicks a malicious link.... read more»

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Hypercom’s Optimum 4200 Countertop and Mobile Products Achieve PCI PTS 2.1 Security Approval


SCOTTSDALE, Ariz.--(BUSINESS WIRE)--High security electronic and digital transactions solutions provider Hypercom Corporation (NYSE: HYC) today announced that both its Optimum T4200-2.0 countertop and M4200-2.0 mobile product lines have achieved PCI PTS 2.1 certification, the payment security standard formerly called PCI PED. Hypercom’s countertop and mobile terminal product family is the first among the top three electronic payment providers to achieve this rigorous security standard.
“Hypercom continues to achieve the security benchmarks that its competitors seek to attain”
The certification covers the Company’s fixed countertop and mobile payment terminals sold in markets throughout Europe, including the Optimum T4210-2.0 (dial), T4220-2.0 (Ethernet with dial), T4230-2.0 (GPRS with dial) countertop and M4230-2.0 GPRS and M4240-2.0 Bluetooth mobile card payment terminals. These products include additional features such as USB host and client, SD (Secure Digital) card reader, extra serial ports and space-saving ergonomics.
Each Optimum terminal also incorporates Hypercom’s full X509 PKI (public key infrastructure) HyperSafe® Secure security layer to protect the terminal and applications from hacking and malware attacks. Protecting the operational procedures and maintenance of payment terminals is just as important as protecting cardholder data. Hypercom’s HyperSafe suite of security products defends terminals from rogue applications and malware, protects the terminal management system from communicating with fraudulent terminals and provides the industry’s only remote key management system. The key benefit for banks, processors and large retailers: protects their investment in the point of sale estate, reduces the potential for fraudulent use of terminals and ensures the secure transport of cryptographic keys.
In meeting the latest PIN entry device security requirements set for newly introduced products by the Payment Card Industry Security Standards Council (PCI SSC), Hypercom’s popular Optimum 4200 products are in compliance for sales until 2017.
“Hypercom continues to achieve the security benchmarks that its competitors seek to attain,” said T.K. Cheung, Vice President, Global Quality and Security, Hypercom Corporation. “No competitor has a better security lineup than Hypercom, and we are committed to delivering business solutions that enable millions of businesses and consumers to safely conduct electronic transactions each and every day.”
Hypercom’s leadership in payment security is recognized globally. The company is a founding member of the Secure POS Vendor Alliance (SPVA), and was the first to introduce an industry standards-based remote key injection product, and the first electronic payment solutions provider to implement end-to-end card data encryption.
About Hypercom
Global payment technology leader Hypercom Corporation delivers a full suite of high security, end-to-end electronic payment products, software solutions and services. The Company's solutions address the high security electronic transaction needs of banks and other financial institutions, processors, large scale retailers, smaller merchants, quick service restaurants, and users in the transportation, petroleum, healthcare, prepaid, self-service and many other markets. Hypercom solutions enable businesses in more than 100 countries to securely expand their revenues and profits. Hypercom is a founding member of the Secure POS Vendor Alliance (SPVA) and is the second largest provider of electronic payment solutions and services in Western Europe and third largest provider globally.
Hypercom, HyperSafe and Optimum and Design are registered trademarks of Hypercom Corporation. All other products or services mentioned in this document are trademarks, service marks, registered trademarks or registered service marks of their respective owners.


Hypercom Corporation

Pete Schuddekopf, 480-642-5383
Permalink: http://www.businesswire.com/news/home/20100615005616/en/Hypercom%E2%80%99s-Optimum-4200-Countertop-Mobile-Products-Achieve

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Mercator Advisory Group Releases Impact Analysis of the Durbin (Card Swipe Fee) Amendment

In-depth study on Durbin's Card Swipe Fee Amendment necessary to prevent unintended consequences and significant disruption of payment eco-system

Boston, MA (PRWEB) June 14, 2010 -- The Card Swipe Fee Amendment, proposed by Illinois Democratic Senator Dick Durbin (D-Ill) calls for regulations that may have unintended and undesired effects on the financial services industry, reaching far beyond controlling debit card fees and negatively disrupting a complex payment eco-system. This is the opinion of the Mercator Advisory Group, an independent research and consulting firm solely focused on the payments and financial services industries.

"We believe strongly that caution is the watchword when considering this regulation. Mercator Advisory Group agrees with the call to remove this amendment from consideration at this time," Robert Misasi, president and CEO of Mercator Advisory Group states. "Our impact analysis findings indicate that no action should be taken by Congress until a thorough study is conducted that includes regulators, credit union and community bank advocacy groups, industry stakeholders, academic experts and analysts."

 Our impact analysis findings indicate that no action should be taken by Congress until a thorough study is conducted that includes regulators, credit union and community bank advocacy groups, industry stakeholders, academic experts and analysts. 

In view of Durbin's proposed Card Swipe Fee Amendment, which attempts to apply a regulatory framework around debit card payment acceptance at the point of sale, Mercator Advisory Group has released a free special report that assesses the potential impact of this amendment on the electronic payments industry as well as proposing what Mercator considers to be reasonable next steps out of a topic mired in well-intentioned hyperbole.

Mercator Advisory Group's analysis includes assessing the potential impact of Durbin's Card Swipe Fee Amendment on a wide range of industry segments including debit and prepaid cards, demand deposit accounts, government benefits programs, financial institutions, and merchants.

This special complimentary report can be distributed freely. To access this free report visit us at mercatoradvisorygroup.com and download from our homepage.

Parties interested in interviewing Mercator Advisory Group analysts who participated in this report should contact Brent Watters, Director of Marketing at (781)-419-1709, bwatters(at)mercatoradvisorygroup(dot)com.

About Mercator Advisory Group

Mercator Advisory Group is the leading, independent research and advisory services firm exclusively focused on the payments and banking industries. We deliver pragmatic and timely research and advice designed to help our clients uncover the most lucrative opportunities to maximize revenue growth and contain costs. Our clients range from the world's largest payment issuers, acquirers, processors, merchants and associations to leading technology providers and investors.

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