Combining Strong Authentication with Transaction Verification provides the security necessary to ensure the integrity of a
transaction and the identity of the user. This, in effect, creates a Business Enabling technology that allows organisations to exploit
the cost-effective Internet channel by allowing their customers to perform more self-service functions.

Transactions that traditionally have not been considered suitable for online processing, such as customer or account
maintenance processes, e.g. Change of Address forms, that carry a high risk, can now be considered for migration to
the Internet channel. Not only will the security afforded create a more consistent, accurate, timely and secure process
than the corresponding manual practices in place today, but it also empowers customers and creates
potentially significant cost savings for the institution.

Viewing this technology as a Business Enabler and differentiating on it will allow those financial institutions to gain even more
leverage out of their investment in both the Internet channel and the tools employed to secure it.

For further information, please download the white paper labelled "Intelligent Security: Countering Sophisticated Fraud ".