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Transaction technology is advancing the convenience, speed and security of payments, mobility and identity management. Consumers, merchants, third-party processors, wireless carriers and financial institutions all play a role in this rapidly transforming field. These technologies create new challenges related to interoperability, reliability and efficiency. And they have engendered new types of crime, including hacking, identity theft and malware. With New Science, UL is facilitating the deployment of secure infrastructures built on new transaction technologies and helping to ensure that they operate optimally and securely.