It seems that everyone wants to bombard you with his or her favorite Forex trading system these days. There is obviously some need for a systematic method of evaluating these various systems. The alternative would be rather chaotic and expensive.

There are ways to technically evaluate a Forex trading system, but these often go beyond the skills of many beginning traders. How does someone with limited technical experience go about evaluating the claims and/or effectiveness of the various systems that are presented?

While not entirely conclusive, I believe that a useful evaluation of a trading system can be done on a non-technical basis. And in fact, it is the first evaluation that I do, before I look more closely at the technical aspects of the system. After all, I don’t want to waste my time if there are obvious problems that show up in this initial evaluation.

The first thing I look at is the presentation of the trading system. If it is presented through a web site, does the site have a professional appearance, or does it look like an amateur who couldn’t be bothered to pay attention to details threw it together? I also pay attention to the grammar and spelling on the website as well as any other advertising materials.

Now that may seem petty and unfair. But if the grammar is poor, and there are misspelled words, it is another indication that there was not a lot of attention paid to detail. That fact could indicate problems with the actual system being presented.

Next, I evaluate the credibility of the claims that are made concerning the system. One of the ways I do that is by looking for any disclaimer or admission of fallibility on the part of the system designer. It is not only the presence of a disclaimer that is important. The quality of the disclaimer is important as well.

I saw one web site that claimed I could make 20% or more per day, and they all but guaranteed that fact. There was no sign of a disclaimer. There obviously was a credibility problem, and I never gave their offer a second look. Evaluating credibility is definitely an important step in the overall evaluation process.

After all that, I look for something that indicates the basic premise that the system is founded on. I don’t expect a developer or vendor to give away their whole secret at this point. But if a system developer or vendor is willing to reveal their basic premise in even a limited fashion, that is a good sign, in my opinion. And then I ask myself if their premise makes logical sense. If it is something that makes logical sense to me, then I am willing to look even closer.

I once saw a trading system that was based on the premise that the markets move up and down along with the cycles of the moon. Now that is an example of a system that makes no logical sense to me. I do not mean to offend you, if you believe that the moon has anything to do with the movements of financial markets. But I would not be comfortable trading a system like that, because the underlying premise is not logical to me.

Those are some of the ways that I evaluate a Forex trading system on a non-technical basis. While this method of evaluation is not 100% conclusive, I find that I generally do not go wrong if I follow my gut instincts with those questions in mind.

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Jerry Brunet is a Forex trader, and software developer. He is the developer of a software program called The Forex-Backtester, which can be found at http://www.forex-backtester.com

Did you find this article helpful? Subscribe to Jerry Brunet’s free “Trade While You Sleep” Newsletter at http://www.forex-toolbox.com

Socially Responsible Investing (SRI) is also referred to as Ethical Investing. It is where investors choose to invest in companies that observe certain standards in the operation of their business. These are such things as operating ethically (morally), providing social benefits and operations that are sensitive to the environment. Each investor will have their own criteria that they are willing to accept.

There several different approaches and strategies to socially responsible investing used by fund managers. Some of these are described as follows.

Negative screening avoids certain stocks that are believed to have a negative social or environmental impact. These would include no animal testing, no weaponry, gambling, tobacco, uranium mining or factory farming. It also includes the logging of old growth forests.

Positive screening or sustainability investing means investing in companies believed to have a positive social or environmental impact. The stocks may be in medical services, education and technologies that reduce environmental damage.

Shareholder activism attempts to positively influence corporate governance by actions such as engaging corporations at board level in dialogue on matters of concern. They may use proxy voting to help make change.

Socially responsible investing is about good economics in the long term. These types of funds have been around for many years but more investors are now seeking solutions that meet their principles on such issues as climate change, genetic modification and more. No longer do investors have to sacrifice return for their convictions as many socially responsible funds perform well — even outperforming the benchmark index.

Lyn Bell has been in the finance industry for more than 30 years and is a Certified Financial Planner. She has helped many clients achieve their financial goals. Lyn can be visited at her website http://www.soundfinance.com and her blog at http://www.soundfinanceblog.blogspot.com

With the growing untune of the total economic crisis saga, we run to expect that there testament be scant at the end of the delve in status of business unchangeability. When we conversation active system crisis and financial stability all in one declare, the thought of having your money beingness riskless comes to noesis. Nonetheless we sometimes try to pay options that are not a white production at all, no concern how sweetish they all top deutschmark, I fitting poverty to discuss the legality of this gentle of financial certificate for people. Though having the line of treatment with offshore banking is pretty much a obedient line, the legality of it is pretty much on a obnubilate. It is something that when through with a misstep can cause you big in a lot of things concerning your financial.

You mightiness opine you are not doing anything wrong but the regard of the composing should be looked at with a fireman eye. There is a big difference between Tax Rejection and Tax Dodging, in which essentially is the legality of the said behavior. Let me take you many candescent:

Tax Rejection – Fundamentally, this is the use of wrongfully employable strategies to سreduceش the quantity of tax that an particular must pay. It is a secure alternative that you can collection with as desire you survey the licit guidelines on this specific option.

Tax Escape – Excavation, it is essentially the corresponding with Tax Dodging but the only number is this is finished illicitly and the law is unpermissive near this one.

Now, that you bang the essential on those 2, we instrument reason Offshore Banking, actually it can go either way. If you are provision to bed offshore depository invoice is trustworthy to be on the secure root and be a Tax Avoider, which you can in mold the I.R.S. roughly your intentions of feat your money in an offshore banking. In this sufferer, you are not crossing any juristic lines. But if you still prefab it in silence, thus not letting the I.R.S. experience almost it, it is but Tax Negligence and by all substance it is a pretty more perturbing nutriment to support. With that beingness an payoff, I moldiness say that you can established markets assets opportunities to be picked of, it is solace your obligation to story everything to the I.R.S. right for statutory matters to be prefabricated.

Furthermore, if you rattling require to stake in Offshore Banking, you penury to copulate everything up in gang, be intelligent about everything you do and be a Tax Avoider not Tax Evader. You can e\’er ask Tax medico to aid you out on this speculate but recall that always fix it in a legitimate standards so you won\’t somebody problem against the yearlong accumulation of the law.

Those of you who are seeking for a bigger amount as loan should approach the secured cash loans. The reason for suggesting these loans is that any kind of bigger financial crisis is easy to be handled with it. Also the loan pressure is not at all found in these loans. People once going for these loans likes to have it again in their needs as the comfort level in it is quite satisfactory.

All kind of borrowers cannot have these loans. These are for especial kind of borrowers, for those who are capable of offering collateral. You can have these loans only if you pledge your home, car or stocks and bonds as security. The value of the security decides the amount to be offered and the rate of interest. So, for big funds you should keep more valuable property as collateral. These loans generally offer an amount ranging from £5,000 to £75,000 and the time limit given for the repayment is 5 to 25 years.

Lots of things are there that are affordable by this loan amount. Certain things like those include:

* Purchasing a holiday tour package
* Buying a car
* Improving and developing home
* Child’s education
* Loan repayment
* Medical treatment
* Wedding arrangement

A bad credit holder will get to enjoy optimum benefit after going for these loans. As the rate of interest of these loans is very low, they will not at all have to be worried. Generally, higher interest rates are being charged on them, but in this loan no such problem will occur. Certain credit histories that are allowed in these loans are County Court Judgments, late payment, arrears, bankruptcy, defaults and skipping of installments. Bo credit discrimination is being practiced in the secured cash loans and that can be revealed in the very fact that the bad credit holders are being offered the same facilities.

Jenny Jacson has no formal degree in finance, but years of work that he has put in the finance industry makes him perfectly eligible to be called an expert in financial matters. To find secured cash loans, cash advance loans, cash loans, quick cash loans, overnight cash loans visit http://www.quickcashloansovernight.co.uk

Many people are of the impression that Forex trading is an easy way to make money. To make matters worse, there are a lot of ads and promotion going around which makes the claims. Those new to Forex are the group of people who are most likely to be influenced by all the ads and promotions going around which promotes Forex courses or Forex trading systems.

However the reality is very much different. Most of those new to the Forex market in fact lose money. There are some even who lose their money over a long period of time.

The good news here is that there are concrete reasons for that and you can do something to avoid becoming a statistic. If you start your trading with a clear understanding of the realities, you stand a much better chance of turning a good profit. Here are a few things you should come to terms with before you venture into Forex trading.

You never have precise information

If you are one of those who lives and breathe Forex technical analysis charts then think again. By the time you are done compiling your charts, the information that you have is obsolete already. The market situation is always changing and so will the information that you will need. For you to have up to date information, you will need to be in the middle of the action, which is trading in the market itself. While its important for you to conduct analysis, do not place too much importance on it.

The amount of time for pondering is very limited.

Forex is not like a board game. There is no way with which you can plan ahead as to the movements of the market. This is because the market is so unpredictable. Furthermore, the window of opportunity for you to act typically only last around a minute. During this time, you probably have to need decide whether you wish to risk maybe a hundred times more capital than what you have. Forex trading therefore involve making decision based on accuracy. As such it is crucial that you use a proven and tested system which can help you speed up your decision making process.

Predicting the Forex markets movements is an impossible task.

Many people under the belief that if you study the Forex markets long enough, you could predict its movements. Infact, this is the most common sales tagline promoters’ uses to promote their courses or trading systems. Actually what is crucial in Forex trading is your reaction time towards changes in the market. The purpose of analysis is only to assist you with a better understanding in order that you can speed up your reaction time.

The truth of the matter is that Forex is not suited for everybody. The reason why so many people venture into Forex is because they think it’s easy to make money there. The reality is completely opposite of their perceptions. But you need to know the real situation first before you start trading in market. This helps you to prepare you for any eventuality and you will not get caught unaware.

Need elite Forex Trading Softwares with reliable statistical elements? I highly recommend that you review 10 Minute Forex Wealth Builder to trade up to 500% more effectively!

I’m going to take the time to share with you some need to know forex information that can really help improve your trading skills and your profits. This is a great market with a lot of potential to profit, but the problem is there is so many little things you have to learn that people end up losing money. By tackling these little issues, you can really start to increase your profits. I’m going to share a few of the little things that I’ve faced and tell you how you can solve it.

One of my biggest problems were the simulated results in the demo platforms. I’d try out a strategy and it would work out perfectly. Than I’d take it to the real market and it failed miserably. It took me a while to really get it, but I was using the demo wrong. You don’t use it to test out the next get rich strategies. They always work in demos. You have to use demo as a tool for developing mentally. You use it to expand on your routine tasks of making trades. It will also help you develop an instinct for trades.

If you’ve been in this business for any period of time, you would have noticed that the industry standard for viewing currency graphs is in the candlestick format. This is about the most clean looking and contains the most information. The problem is that most people memorize these specific scenarios for understanding them and never really “get it”.

The best thing you can do is Learn how to read candlesticks. It’s much easier to understand when you can look at any graph and understand where it is expected to go in the future.

Check out Forex Candlesticks Made Easy.

One of the hardest things to do when planning your special day is to spend hours scouring the internet looking for a unique, classy, and un-used location for your wedding. I’ve spent the past two days in searching for that oh so elusive perfect spot. I’m going to save you all the trouble I went through and compile all the spots I found through obscure Google searches and message boards and put these locations in one place. Welcome to your one stop shop for unique wedding locations all over Maryland. For your convince I’ve put them into genre such as “Castle Theme”, “Relaxed Theme”, etc. so if you’re really in a knot, you don’t have to spend your whole day looking when you could be finding the perfect pair of shoes to go with your dress. Here we go:

Castles:

Cloisters Castle: This private home that was commissioned and completed in a twenty seven year span screams with uniqueness. From the exterior built of Butler gold and gray stone, gables taken from a medieval house in France as well as medallions from a 16th century Venetian home, it’s a work of architectural brilliance. Located in Luthersville, MD this venue is surrounded by sixty acres of trees and a lovely garden. Its insides are furnished with authentic medieval pieces and antique furniture. The fireplace was even commissioned to be built from an antique chest carved with Renaissance figures. Famously, it was the site of actor Will Smith’s and Jada Pinkett’s wedding in 1998 but that hasn’t put a damper on the delightful and unforgettable atmosphere the house creates. Either the outside or the inside can be made available and there is only one event per day, allowing your day to be uninterrupted in its magic. The fee for rental allows for up to ten hours on the grounds and more time can negotiated through the contract via an extra hour’s fee. The venue comfortably fits 175 guests and as a bonus the staff acts as your wedding planner directing set-up, timing, and valet parking.

Maryvale Castle : Functioning as a preparatory school, Maryvale Castle boasts huge grounds complete with wedding chapel if the bride doesn’t envision herself walking down the castle’s much talked of grand winding staircase. Built in 1917 in Greenspring Valley, MD, this treasure houses an oak-paneled Great Hall, a solarium, and a bridal suite. A stone manor house sweeping off in both directions takes its influences from Warwick Castle in England with its Gothic arched windows, port cochere, and imposing gray towers. A rental agreement includes four hours of time which includes the rehearsal time and full use of the property. However, because it is still a working school, hours on the weekdays are more restricted than weekends. With an indoor guest capacity of 125 people and an outdoor capacity of 200, this venue is worth the strict appointment-only tour.

Mansions:

Montpelier Mansion: A mansion straight out of a Jane Austin piece, this brick Georgian structure sits on seventy acres of land flanked by dogwood trees. Built between 1781 and 1785 this national historic landmark is open to the public for tours and festivities and once housed George Washington and his wife Martha. It is also home to an uncommonly found 18th century summer house which is beautifully preserved. The maximum capacity inside and outside is somewhat small, eighty-five guests total, but the unique floor plan with crown molding and period furniture lends itself to an opulent and old-fashioned charm all its own. For people set on a Sunday wedding this venue isn’t for you as they don’t allow rentals on Sundays, however, having free reign over this delicate place is well worth the date change. Located in Laurell this mansion radiates country elegance akin to many a bride’s favorite novel, complete with circular stone driveway.

Glenveiw Mansion: Situated in Rockville, MD as part of a Rockville Civic Center Park the house is within the neoclassical tradition sporting pillars and an infinite number of beautiful black shuttered windows looking out over the lawn. The dining room is veiled in class and luxury as are its floor-to-ceiling dark paneled wooden walls and long oval windows. The conservatory shines with old-fashioned chandeliers whose light bounces off the Italian green marble floors. The rest of the house is touched with intricate details pertaining to the period in which it was first built housing a number of turn of the century, one- of- a- kind antiques sure to make any wedding memorable. Maximum capacity for this venue is 225 guests and amount charged allows for two hours of set-up and one hour of clean-up. Some strict drawbacks to possible brides are the impossibilities of seated dining, no cooking allowed on-site, and no red-dyed beverages of any kind.

Stronghold Mansion: On top of Sugarloaf Mountain in Dickerson, MD the completely white mansion with pillars and latticed widow’s peak lends itself to the country simplicity surrounding it. The straight lawns emphasize the well designed rock walls that glide around the property housing a variety of elegant but simple flora and fauna normally seen in a country garden. The shimmering, circular lake to the side of the house has large willow trees surrounding it and making a path towards the house itself where the architecture inside matches the outside in its refined gentile decor. A standard contract allows for 7 hours and includes set-up and clean-up times. . Additional hours can be negotiated. Maximum number of guests in attendance is 200 and the rental includes 40 by 57 inch tent over the patio and can be added on to encompass the lake area as well. Parking is limited as there are only 85 spots available and clearly marked by the owners , small shuttle buses are permitted.

Liriodendron Mansion: An 1898 ornate masterpiece encompassed by a landscape dripping with flowers, this antique summer home in Harford County leaves nothing unchecked in your imagination. Whether it’s the Grecian old-world architecture built around intricate carvings, urns of flowers and stone pillars, or the wisteria vines that form a canopy over the porch for a otherworldly rehearsal dinner, the house is awash in magic all its own. The Palladian styled mansion reminds guests of a fairyland surrounded by woods and fountains with a variety of romantic stone sculptures throughout the grounds. Maximum capacity is 150 guests outside, 100 guests inside with seating and there are plenty of guests parking. The renter has a choice of 6.5 hrs on weekdays where as on weekends they must choose between both rental times and party times in a wide selection of choices. Wedding rehearsals are extra payment as well as table and chair rental fees, but this is no different from most other venues.

Tudor Place: This home to Martha Washington’s late granddaughter, Martha Custic Peter, is bursting at the seams with rich history and warm, comfortable elegance. The house itself was built in 1805 by Dr. William Thorton who was also famous for building the first United States Capital and The Octagon building in Washington, DC. Inside the house there are over one hundred objects belonging to George and Martha Washington and it’s all been documented in an archived collection of letters, diaries, books, and photographs. As far as guests, the mansion can hold up to 35 guests for a wedding ceremony and for parties over 35 guests they must pay extra. This venue is for ceremonies only and the reservation includes an hour block of time for that ceremony. They also have their own on sight photography for a fee.

Ceresville Mansion: With a variety of ceremony options to suit any bride as well as an in-house consultant to coordinate everything smoothly, this Mansion comes with superior services. Whether the perfect wedding uses their white Grecian Pergola surrounded by dogwoods in bloom, or the terrace climbing with Ivy and backlit with candles shimmering over the reflecting lily pool, it will be something to remember. The white and black sweeping Cape Cod style home was built in 1888 alongside rivers, hillsides, and a ten acre meadow also open for events. Much of the original architecture as well as the antique furniture and fireplace are still the same as 1888. This venue has everything covered in the rental fee from seven hours of event coordination to all the outside details a catering company would normally provide like linens and a dance floor. Every Thursday evening they also offer an unusual wedding discount for those on a budget and cut the price nearly in half for the same services as a Friday or Saturday wedding event. The venue can provide for up to 200 guests and also gives a complimentary list of Food and Beverage minimum pricing so it is free of confusion and out of the way.

Inns and Taverns:

Slades Inn and Tavern: A Victorian dream painted in lively light blues and dark blues, this Inn sets itself apart with two matching circular turrets, high brick chimneys and a white wrap-around porch that Anne of Green Gables would envy. The laid-back romantic space is in Fredrick, MD a few minutes away from Baltimore. The land is dappled with greenery and horses while the exciting night-life and history of the city are in close proximity. Enjoy an easy day as all the guests are accommodated with places to stay after the reception and perhaps even stay past the ceremony for a honeymoon to enjoy hot air ballooning or a carriage tour. From beginning to end of that extraordinary day, Slade’s takes care of everything from “his and hers” massages, bridal party hair and makeup sessions, as well as brunches and teas. Indoor buffet seating is for 100 guests whereas larger parties can be accommodated with tents for seated dinners and dancing for up to 150. Once the party is over, guests too busy having fun can tumble up to their rooms leaving the bride and groom clear and free of worry.

Morningside Inn Teaming with wildlife such as Heron, Deer, and Red Fox, the visuals of this open, out-doors setting guarantees a one of a kind wedding atmosphere. In Fredrick, MD with three hundred acres the Inn dates back to the 1900’s where it functioned as a bank barn. Newly restored the structure still has its original dark, heavy structural beams which serve as accent to the clean Amish lines of the house. Once rented, every bit of acreage is yours to do with as you please and the choice of ceremony is limitless. The dining room allows for two levels of fun, a more casual mix on the lower level and elegance on the upper level. They also house their own on site flower shop and Event’s planning that includes, photography, videography, and musical entertainment.

Elise Clark

It all boils down to one word – suffering, that makes all of us respond to the wake-up call. Financial devastation is a bitter phenomenon, but it makes people become intelligent financially. As the first step to fight the situation, the wise takes the road to professional financial planning.

How can a Financial Adviser help you

To speak everything in a breath, a qualified and experienced financial adviser trims the uneven growths in your expenditure pattern and puts the extra money in places where they can accumulate and grow to bring you long-term financial benefits. And today’s point of focus being different from the save today, spend tomorrow outlook, a qualified and experienced financial adviser shall be figuring out your wants today and plan accordingly to make the both ends meet. That way, he shall help devise the ways to make finances available for the hidden dreams without straining your wallet, which means, enjoyment and savings within the same package! This defines somewhat the help an established and honest financial adviser can provide. Besides:

• A financial adviser addresses the importance of the dream of a client.
• A financial adviser focuses to the maximum extent of a specific goal.
• A financial adviser makes available the funds when there is a need.

The above points together create a tricky situation and a financial adviser is thus to be selected after verifying completely whether he is the best one to shape your financial future properly.

Find a Financial Adviser

Though advertisements in the daily and weekly newspaper classifieds regarding finding financial advisers are galore and so are the websites, fact remains, to find an adviser, a person should ensure the credibility of the source. WiserAdvisor.com is such a site that has made a large number of people find financial advisers most appropriate for their respective needs and there are enough testimonies from satisfied clients to get restored your lost peace of mind. Does that seem interesting? Well, find a Financial Adviser at WiserAdvisor.com, right now!

Are you looking for a financial professional, but not sure how to choose one? If you don’t have the time to conduct thorough research about financial advisers, fill out a short form and let our advisers contact you. Our experienced consultants will send you the names of advisers who are qualified and willing to help.

Hop over to http://www.Wiseradvisor.com and Try it now.

The Federal Tax Code is a popular tool for members of Congress to bring in more spending money and repay obligations to special interests. The 60,044 page income tax code has been amended and patched so often that it is complex, convoluted, inefficient and unfair.

The tax code includes: depreciation schedules, multiple income tax brackets, complicated deduction rules and an Alternative Minimum Tax. It is so complex that the Internal Revenue, itself, has difficulties rendering opinions on certain of its provisions.

The income tax is unfair because of the double taxation of Estates, Social Security income and dividends. It is undemocratic because it penalizes individuals for their financial prowess. The tax treatment of the wealthy is analogous to making Tiger Woods play a longer golf course than the other competing golf professionals because of his superior skills. The code is costly because of the time and expense required to fill out the complicated forms. Finally, the Alternative Minimum Tax provision directed at wealthy individuals affects the middle class now because it wasn’t indexed for inflation; an example of the unintended consequences of Congressional micromanaging.

Substituting the flat tax for the prevailing income tax will instantly increase the effectiveness of citizens and businesses in America. The economies of the twelve foreign countries, which switched to the flat tax, have improved dramatically. The flat tax is the ideal income tax because it simple, fair, progressive, and cost effective. It’s: – simple, can be filled on a post card – fair because everyone pays the same percentage of their income – progressive, the higher the income, the higher the tax – cost effective, eliminates the tax preparation time of individuals and/ or using costly tax professionals. This tax would save millions of dollars of the IRS budget ($11.4 billion, 2008) by reducing the number of its employees (86,585, 2006). There are other valuable adjunct benefits to the flat tax. It eliminates double taxation, simplifies tax planning, enhances the economy, increases privacy, improves compliance, and generates more tax revenue.

There will be many vociferous critics of the flat tax. Naturally, the adversely affected individuals, IRS employees, accountants and tax lawyers, will oppose these changes in the present Federal Income Tax Code. Politicians will oppose this tax because it will deprive them of a powerful tool to stay in office. A blatant example of a member of Congress using the tax code, to satisfy a sponsor, is the famous Gallo Wine Amendment. In 1978, Julio and Ernest Gallo helped Senator Alan Cranston win a difficult re-election in California. Cranston returned the favor by getting a tax amendment passed on a Saturday, with few Senators present that allowed the Gallo family to spread their inheritance payments over several years.

The benefits of the flat tax extend beyond simplicity and fairness. After-tax income will rise. There will be renewed work incentives. The reduction of taxation on investments will shift capital to producing goods and services. This shift will create new businesses and industries with the concomitant increase in employment. Industries will be encouraged to locate in the USA and the shift to off shore jobs will decrease. All of these positive changes will insure the continuous growth of our economy.

Art Woodrow, a veteran of World War II who is dedicated to restoring our democratic process, is the founder of The Democracy Conservator Foundation. DCF is a not-for-profit, apolitical organization seeking to increase the involvement of U.S. citizens in the political process and to encourage the discussion and debate of issues our society faces today. To learn more about how to make your vote count, visit http://www.democracyconservator.org

MasterCard has launched a solution to harness the mobile phone as a form factor for its chip authentication program (CAP). The initiative focuses on enabling consumers to authenticate their banking and online transactions through their own mobile phone. It focuses on solutions that allow cardholders to authenticate themselves using their existing EMV banking card and a personal card reader.

It offers two types of solutions, the SMS-CAP solution works on any mobile phone. In this version, the CAP password is sent to the cardholder inside an SMS. The cardholder is then able to use this password to authenticate their online purchase or mobile banking activity.

The second version runs on Smartphones or JAVA compatible phones. It consists of an application that runs on the mobile phone and prompts the cardholder to key in a PIN. The phone then displays a CAP password. The consumer experience in this version is very similar to authentication using a card reader.

Additionally the solution allows part of the transaction to be included in the generation of a password. This means that banks can enable cardholders to create a unique signature for a transaction. Such developments represent considerable armor against “phishing” and ‘man in the middle’ attacks, a growing menace in e-banking and e-commerce.

Art Kranzley, chief emerging technology officer of advanced technology at MasterCard Worldwide, said: “The simplicity of this approach may be evident but the innovative proposition and the suite of solutions that we have now in place with our partners provides a sophisticated and unrivalled offering to our bank customers.”