www.acetprocessing.com
ACET Processing provides third party processing for Accounts, Customers, Events and Transactions. With offices in Cape Town and Johannesburg, ACET offers clients across Africa access to both the VisionPLUS® account processing system and the TRIAD™ account management solution. ACET Processing is jointly owned by PIC Solutions, the largest risk management consultancy based in the Southern Hemisphere and PaySys International, a wholly owned subsidiary of First Data Corporation. Through this unique combination of proven state-of-the-art credit and risk systems, world-class third party processing expertise and established customer management solutions, ACET Processing provides clients across Africa with an unsurpassed range of services.

ACORD

www.acord.org
Based in New York, ACORD (Association for Cooperative Operations Research and Development) is a global, nonprofit insurance association whose mission is to facilitate the development and use of standards for the insurance, reinsurance and related financial services industries. With offices in London as well, ACORD accomplishes its mission by remaining an objective, independent advocate for sharing information among diverse platforms. ACORD standards and services improve efficiency and expand market reach. Affiliated with ACORD are hundreds of insurance and reinsurance companies, and thousands of agents and brokers, related financial services organizations, software providers, and industry organizations worldwide.

Adeptra

www.adeptra.com
Adeptra is the global market leader in automated contact and resolution services for Consumer Credit and Risk Management. In fraud, collections and marketing our integrated applications compliment our client's call center staff, allowing them to enhance the efficiency, capabilities and profitability of their operation. Adeptra provides two-way voice and alerting solutions that reach out and deliver time-sensitive customer communication via voice, fax, pagers, text messaging and email. Adeptra provides unequaled strategic flexibility through its unique rules engine architecture. Using calling outcomes, account history, portfolio segmentation and dynamic calling strategies Adeptra gives our clients complete real-time control over how they run and use their customer contact engine. With Adeptra on your side, you'll deliver better service while achieving operational efficiencies and ultimately driving down your costs.

Cadmus International

www.cadmusinternational.com
Cadmus International helps banks, financial institutions, telecommunication companies, and government entities in the Middle-East and North Africa region improve their decisions and differentiate products — while also enhancing their risk management results and profitability. Through its partnerships with leading global companies, Cadmus provides expertise in the areas of Decision Management, Enhanced Payments and Loyalty, Enhancements to Bank Retail Products, and Strategic Marketing Consulting. From its offices in Dubai and Bahrain, Cadmus provides sales support and client relationship representation across the full range of Fair Isaac products and services.

Equifax

www.equifax.com
Equifax empowers businesses and consumers with information they can trust. A global leader in information solutions, employment and income verification and human resources business process outsourcing services, we leverage one of the largest sources of consumer and commercial data, along with advanced analytics and proprietary technology, to create customized insights that enrich both the performance of businesses and the lives of consumers.
Customers have trusted Equifax for over 100 years to deliver innovative solutions with the highest integrity and reliability. Businesses -large and small - rely on us for consumer and business credit intelligence, portfolio management, fraud detection, decisioning technology, marketing tools, HR/payroll services, and much more. We empower individual consumers to manage their personal credit information, protect their identity and maximize their financial well-being.
Headquartered in Atlanta, Georgia, Equifax Inc. operates in the U.S. and 14 other countries throughout North America, Latin America and Europe. Equifax is a member of Standard & Poor’s (S&P) 500® Index. Our common stock is traded on the New York Stock Exchange under the symbol EFX.

Experian

www.experian.com
Experian is the leading global information services company, providing data and analytical tools to clients in more than 65 countries. The company helps businesses to manage credit risk, prevent fraud, target marketing offers and automate decision making. Experian also helps individuals to manage their credit relationships and protect against identity theft.
Experian plc is listed on the London Stock Exchange (EXPN) and is a constituent of the FTSE 100 index. Total revenue for the year ended March 31, 2009 was $3.9 billion. Experian employs approximately 15,000 people in 40 countries and has its corporate headquarters in Dublin, Ireland, with operational headquarters in Nottingham, UK; Costa Mesa, California; and São Paulo, Brazil.

First Data Corporation

www.firstdata.com
Denver-based First Data Corp.(NYSE: FDC) powers the global economy by enabling consumers and businesses to safely and securely pay anyone, anywhere, anytime. As the leader in electronic commerce and payment services, First Data serves nearly 2.6 million merchant locations, 1,400 card issuers and millions of consumers, making it easier, faster and more secure for people and businesses to buy goods and services using virtually any form of payment. With 28,000 employees worldwide, First Data provides credit, debit, stored-value and smart card issuing and merchant transaction processing services; Internet commerce solutions; Western Union money transfers and money orders; and check processing and verification services throughout the United States, United Kingdom, Australia, Mexico, Canada, Spain, Germany, the Netherlands and the Middle East. Its money transfer agent network includes approximately 117,000 agent locations with operations in more than 185 countries and territories.

Java Community Process (JCP)

www.jcp.org
Since its introduction in 1995 as the open, inclusive process to develop and revise Java technology specifications, reference implementations, and technology compatibility kits, the Java Community Process program has fostered the evolution of the Java platform in cooperation with the international Java developer community. More than 150 Java technology specifications are in development in the JCP program, which has over 400 company and individual participants.

Memento, Inc.

www.mementosecurity.com
Memento, Inc. was founded in 2003 to solve two of the most critical unsolved problems faced by financial services enterprises—fighting fraud and managing compliance. As the company expanded, we focused on applying our solution and unique approach to the wide — ranging challenges of fraud and compliance — including employee fraud, ACH fraud, elder financial abuse, AML compliance, continuous audit monitoring, and more. In each case, we provide a solution that is more accurate, flexible, faster, and better than traditional approaches. And we work closely with our customers to meet the ever-changing challenges they face. Since its founding, the company has grown steadily and quickly — attracting a loyal base of customers, including credit unions, community banks, and larger banks across North America and Europe. Headquartered in Concord, MA, Memento now has offices in Washington DC, New York, Los Angeles, Milan, and London.

PIC Solutions

www.PICSolutions.com
PIC Solutions is a leading credit risk solutions company serving financial services clients from offices in the Middle East and Africa. PIC helps more than 150 companies in 30+ countries improve performance, develop and continuously refine strategies, and enhance profitability by delivering integrated analytics, software solutions, and consulting services. As an alliance partner, PIC Solutions provides expert sales and initial and ongoing solution support for Fair Isaac’s entire suite of products and services. These services include software support and maintenance, as well as training, consulting, professional services, and project management. PIC’s offices are located in Cape Town, Dubai, Johannesburg, Manama and Nairobi.

SCHUFA Holding AG

www.schufa.de
SCHUFA Holding AG, is an innovative credit service provider, enabling and accelerating credit reporting. SCHUFA's partners such as banks, savings institutions, brokerage houses and related industries, use SCHUFA, which allows consumers an easy and economical means for credit services. In 2006, SCHUFA realized 80.5 million Euros in revenue and employed about 760 workers.

SiNSYS

www.sinsys.net

Established as the first pan-European, interbanking company serving the card payments industry, SiNSYS is the reliable and experienced partner of banks looking for:

Increasing revenues through an innovative products development process
Reducing costs through operational excellence in card processing
Expanding market share through presence and local expertise in Europe

Founded as a joint venture among three renowned pioneers in electronic payments Banksys (Belgium), Interpay (the Netherlands) and SSB (Italy), SiNSYS has in portfolio more than 21 million cards, 700,000 merchants and 1 billion transactions contracted, and eight countries served: Belgium, the Netherlands, Italy, Czech Republic, Hungary, Poland, Slovakia and Ukraina.

SiNSYS delivers payment card processing services both in issuing and acquiring, consultancy, a network of partners and a committed European team of experts to grow and maximize your payment card portfolio profitability.

TransUnion

www.transunion.com
As a global leader in credit and information management, TransUnion creates advantages for millions of people around the world by gathering, analyzing and delivering information. For businesses, TransUnion helps improve efficiency, manage risk, reduce costs and increase revenue by delivering comprehensive data and advanced analytics and decisioning. For consumers, TransUnion provides the tools, resources and education to help manage their credit health and achieve their financial goals. Through these and other efforts, TransUnion is working to build stronger economies worldwide. Founded in 1968 and headquartered in Chicago, TransUnion employs associates in more than 25 countries on five continents.

TSYS

www.tsys.com
Processing more than 437 million accounts, serving 300 merchant acquirers and over a million merchants, TSYS is one of the world's largest companies for outsourced payment services, offering a broad range of issuer- and acquirer-processing technologies that support consumer finance, credit, debit, commercial, loyalty, prepaid and related services for financial institutions and retail companies throughout the Americas, Europe and Asia-Pacific. TSYS offers a wide range of products and services that provide enhanced value to our clients, enabling them to manage fraud, control risk, enhance profits and manage their portfolios efficiently and cost-effectively. Get to know us at www.tsys.com or call 706-649-2307.