SlideShare a Scribd company logo
1 of 7
Perspectives on EMV



Ian Kerr
Chief Operating Officer
Cartes Asia
27 March 2013, Hong Kong



                           www.creditcall.co
Current EMV Adoption




                           ian.kerr@creditcall.com
    Booth 3 E 012
    www.level2kernel.com   linkedin.com/in/creditcall   www.creditcall.co
EMV has changed the world!

•   Increased security and reduced fraud
•   Standardisation and regulation
•   Interoperability
•   Customer confidence
•   New applications and possibilities




                              ian.kerr@creditcall.com
       Booth 3 E 012
       www.level2kernel.com   linkedin.com/in/creditcall   www.creditcall.co
EMV has changed the world!

EMV is to mag stripe what an iPod is to a vinyl
record




                            ian.kerr@creditcall.com
     Booth 3 E 012
     www.level2kernel.com   linkedin.com/in/creditcall   www.creditcall.co
Remaining challenges

• Completing the roll-out
   - US knowledge gap
   - ASPAC deadlines
• Upgrading aging equipment
• Testing and certification
• Lots of new moving parts
• Time, resources and budget


                            ian.kerr@creditcall.com
     Booth 3 E 012
     www.level2kernel.com   linkedin.com/in/creditcall   www.creditcall.co
Potential solutions

•   Don’t re-invent the wheel
•   Multi-platform, low-footprint Kernels
•   Work with people who have done this before
•   Use tooling and expertise in pre-certification
•   EMV in the Cloud
    - Already deployed in over 100k devices



                              ian.kerr@creditcall.com
       Booth 3 E 012
       www.level2kernel.com   linkedin.com/in/creditcall   www.creditcall.co
Thank you
• Established in 1997
• Offices in the UK and USA
• Developing ASPAC presence
• A leading Payment Gateway
• Over 11 years of EMV excellence
• 150+ EMVCo certifications
• Over 1 million EMV Kernels deployed globally
• Comprehensive EMV Level 1 and 2 solutions
                             ian.kerr@creditcall.com
      Booth 3 E 012
      www.level2kernel.com   linkedin.com/in/creditcall   www.creditcall.co

More Related Content

Viewers also liked

The Payments Crystal Ball: Predicting the Future of Mobile, Cards & the Indu...
The Payments Crystal Ball:  Predicting the Future of Mobile, Cards & the Indu...The Payments Crystal Ball:  Predicting the Future of Mobile, Cards & the Indu...
The Payments Crystal Ball: Predicting the Future of Mobile, Cards & the Indu...Creditcall
 
Tackling the EMV Certification Bottleneck
Tackling the EMV Certification BottleneckTackling the EMV Certification Bottleneck
Tackling the EMV Certification BottleneckCreditcall
 
What it takes to develop a mPOS solution
What it takes to develop a mPOS solutionWhat it takes to develop a mPOS solution
What it takes to develop a mPOS solutionCreditcall
 
Presentation antal international. 1
Presentation antal international. 1Presentation antal international. 1
Presentation antal international. 1Marioli Carrasquel
 
WUXI XISHAN HUANYU METAL HOSE CO.,LTD catalogue
WUXI XISHAN HUANYU METAL HOSE CO.,LTD catalogueWUXI XISHAN HUANYU METAL HOSE CO.,LTD catalogue
WUXI XISHAN HUANYU METAL HOSE CO.,LTD catalogue醇 陈
 
De essencial importância para a gestão integrada de ti
De essencial importância para a gestão integrada de tiDe essencial importância para a gestão integrada de ti
De essencial importância para a gestão integrada de tiRede do Saber
 

Viewers also liked (13)

The Payments Crystal Ball: Predicting the Future of Mobile, Cards & the Indu...
The Payments Crystal Ball:  Predicting the Future of Mobile, Cards & the Indu...The Payments Crystal Ball:  Predicting the Future of Mobile, Cards & the Indu...
The Payments Crystal Ball: Predicting the Future of Mobile, Cards & the Indu...
 
Tackling the EMV Certification Bottleneck
Tackling the EMV Certification BottleneckTackling the EMV Certification Bottleneck
Tackling the EMV Certification Bottleneck
 
What it takes to develop a mPOS solution
What it takes to develop a mPOS solutionWhat it takes to develop a mPOS solution
What it takes to develop a mPOS solution
 
Ace Group incorporates J M Njoya
Ace Group incorporates J M NjoyaAce Group incorporates J M Njoya
Ace Group incorporates J M Njoya
 
Presentation antal international. 1
Presentation antal international. 1Presentation antal international. 1
Presentation antal international. 1
 
WUXI XISHAN HUANYU METAL HOSE CO.,LTD catalogue
WUXI XISHAN HUANYU METAL HOSE CO.,LTD catalogueWUXI XISHAN HUANYU METAL HOSE CO.,LTD catalogue
WUXI XISHAN HUANYU METAL HOSE CO.,LTD catalogue
 
revision
revisionrevision
revision
 
Maria base de datos
Maria base de datosMaria base de datos
Maria base de datos
 
Fitxa unitat geometria analitica
Fitxa unitat geometria analiticaFitxa unitat geometria analitica
Fitxa unitat geometria analitica
 
Power point monuments
Power point monumentsPower point monuments
Power point monuments
 
De essencial importância para a gestão integrada de ti
De essencial importância para a gestão integrada de tiDe essencial importância para a gestão integrada de ti
De essencial importância para a gestão integrada de ti
 
Maria base de datos
Maria base de datosMaria base de datos
Maria base de datos
 
Gráficos 82
Gráficos 82Gráficos 82
Gráficos 82
 

Similar to EMV Adoption Perspectives and Challenges

EMV and Parking - 6 Months on
EMV and Parking - 6 Months onEMV and Parking - 6 Months on
EMV and Parking - 6 Months onCreditcall
 
How to have it all quality, cost, and performance
How to have it all  quality, cost, and performanceHow to have it all  quality, cost, and performance
How to have it all quality, cost, and performancePaul Menig
 
3 Critical Keys to DevOps Success: Lessons from Forrester Research, Intel, an...
3 Critical Keys to DevOps Success: Lessons from Forrester Research, Intel, an...3 Critical Keys to DevOps Success: Lessons from Forrester Research, Intel, an...
3 Critical Keys to DevOps Success: Lessons from Forrester Research, Intel, an...DevOps.com
 
James Tomaney - Automated Testing for the ATM Channel
James Tomaney - Automated Testing for the ATM Channel James Tomaney - Automated Testing for the ATM Channel
James Tomaney - Automated Testing for the ATM Channel TEST Huddle
 
Drones and their impact on 19th century technology: railways
Drones and their impact on 19th century technology: railways Drones and their impact on 19th century technology: railways
Drones and their impact on 19th century technology: railways Scott Stonham
 
Affordably Refreshing Your Water District’s Process Control
Affordably Refreshing Your Water District’s Process ControlAffordably Refreshing Your Water District’s Process Control
Affordably Refreshing Your Water District’s Process ControlInductive Automation
 
Affordably Refreshing Your Water District’s Process Control
Affordably Refreshing Your Water District’s Process ControlAffordably Refreshing Your Water District’s Process Control
Affordably Refreshing Your Water District’s Process ControlInductive Automation
 
Kertech Inc Slide Show
Kertech Inc Slide ShowKertech Inc Slide Show
Kertech Inc Slide ShowKerry Love
 
Oracle and Cast Iron Systems: Delivering an Integrated CRM Experience
Oracle and Cast Iron Systems: Delivering an Integrated CRM ExperienceOracle and Cast Iron Systems: Delivering an Integrated CRM Experience
Oracle and Cast Iron Systems: Delivering an Integrated CRM ExperienceSean O'Connell
 
Nacha 2014 presentation non bank payment systems revolution final 030714
Nacha 2014 presentation non bank payment systems revolution final 030714Nacha 2014 presentation non bank payment systems revolution final 030714
Nacha 2014 presentation non bank payment systems revolution final 030714Kevin H. Connelly
 
Customer presentation
Customer presentationCustomer presentation
Customer presentationDaniel Webb
 
The Enterprise Unlocked webinar
The Enterprise Unlocked webinarThe Enterprise Unlocked webinar
The Enterprise Unlocked webinarDavid Chambers
 
Technology Made Easy By Mrinal Chatterjee
Technology Made Easy By Mrinal ChatterjeeTechnology Made Easy By Mrinal Chatterjee
Technology Made Easy By Mrinal Chatterjeeiamwire
 

Similar to EMV Adoption Perspectives and Challenges (20)

EMV and Parking - 6 Months on
EMV and Parking - 6 Months onEMV and Parking - 6 Months on
EMV and Parking - 6 Months on
 
Ceprei march 2016
Ceprei  march 2016Ceprei  march 2016
Ceprei march 2016
 
How to have it all quality, cost, and performance
How to have it all  quality, cost, and performanceHow to have it all  quality, cost, and performance
How to have it all quality, cost, and performance
 
3 Critical Keys to DevOps Success: Lessons from Forrester Research, Intel, an...
3 Critical Keys to DevOps Success: Lessons from Forrester Research, Intel, an...3 Critical Keys to DevOps Success: Lessons from Forrester Research, Intel, an...
3 Critical Keys to DevOps Success: Lessons from Forrester Research, Intel, an...
 
James Tomaney - Automated Testing for the ATM Channel
James Tomaney - Automated Testing for the ATM Channel James Tomaney - Automated Testing for the ATM Channel
James Tomaney - Automated Testing for the ATM Channel
 
Rham - 1
Rham - 1Rham - 1
Rham - 1
 
Technical Challenges Facing e-Payment
Technical Challenges Facing e-PaymentTechnical Challenges Facing e-Payment
Technical Challenges Facing e-Payment
 
April - Debit EMV Forum
April - Debit EMV ForumApril - Debit EMV Forum
April - Debit EMV Forum
 
Drones and their impact on 19th century technology: railways
Drones and their impact on 19th century technology: railways Drones and their impact on 19th century technology: railways
Drones and their impact on 19th century technology: railways
 
Affordably Refreshing Your Water District’s Process Control
Affordably Refreshing Your Water District’s Process ControlAffordably Refreshing Your Water District’s Process Control
Affordably Refreshing Your Water District’s Process Control
 
Affordably Refreshing Your Water District’s Process Control
Affordably Refreshing Your Water District’s Process ControlAffordably Refreshing Your Water District’s Process Control
Affordably Refreshing Your Water District’s Process Control
 
Kertech Inc Slide Show
Kertech Inc Slide ShowKertech Inc Slide Show
Kertech Inc Slide Show
 
EMV 201 EMF June 2016
EMV 201 EMF June 2016EMV 201 EMF June 2016
EMV 201 EMF June 2016
 
Oracle and Cast Iron Systems: Delivering an Integrated CRM Experience
Oracle and Cast Iron Systems: Delivering an Integrated CRM ExperienceOracle and Cast Iron Systems: Delivering an Integrated CRM Experience
Oracle and Cast Iron Systems: Delivering an Integrated CRM Experience
 
Be master presentation
Be master presentationBe master presentation
Be master presentation
 
Nacha 2014 presentation non bank payment systems revolution final 030714
Nacha 2014 presentation non bank payment systems revolution final 030714Nacha 2014 presentation non bank payment systems revolution final 030714
Nacha 2014 presentation non bank payment systems revolution final 030714
 
Customer presentation
Customer presentationCustomer presentation
Customer presentation
 
The Enterprise Unlocked webinar
The Enterprise Unlocked webinarThe Enterprise Unlocked webinar
The Enterprise Unlocked webinar
 
Technology Made Easy By Mrinal Chatterjee
Technology Made Easy By Mrinal ChatterjeeTechnology Made Easy By Mrinal Chatterjee
Technology Made Easy By Mrinal Chatterjee
 
Manish Resume
Manish ResumeManish Resume
Manish Resume
 

Recently uploaded

A Domino Admins Adventures (Engage 2024)
A Domino Admins Adventures (Engage 2024)A Domino Admins Adventures (Engage 2024)
A Domino Admins Adventures (Engage 2024)Gabriella Davis
 
Apidays Singapore 2024 - Building Digital Trust in a Digital Economy by Veron...
Apidays Singapore 2024 - Building Digital Trust in a Digital Economy by Veron...Apidays Singapore 2024 - Building Digital Trust in a Digital Economy by Veron...
Apidays Singapore 2024 - Building Digital Trust in a Digital Economy by Veron...apidays
 
Handwritten Text Recognition for manuscripts and early printed texts
Handwritten Text Recognition for manuscripts and early printed textsHandwritten Text Recognition for manuscripts and early printed texts
Handwritten Text Recognition for manuscripts and early printed textsMaria Levchenko
 
08448380779 Call Girls In Civil Lines Women Seeking Men
08448380779 Call Girls In Civil Lines Women Seeking Men08448380779 Call Girls In Civil Lines Women Seeking Men
08448380779 Call Girls In Civil Lines Women Seeking MenDelhi Call girls
 
Kalyanpur ) Call Girls in Lucknow Finest Escorts Service 🍸 8923113531 🎰 Avail...
Kalyanpur ) Call Girls in Lucknow Finest Escorts Service 🍸 8923113531 🎰 Avail...Kalyanpur ) Call Girls in Lucknow Finest Escorts Service 🍸 8923113531 🎰 Avail...
Kalyanpur ) Call Girls in Lucknow Finest Escorts Service 🍸 8923113531 🎰 Avail...gurkirankumar98700
 
Salesforce Community Group Quito, Salesforce 101
Salesforce Community Group Quito, Salesforce 101Salesforce Community Group Quito, Salesforce 101
Salesforce Community Group Quito, Salesforce 101Paola De la Torre
 
Developing An App To Navigate The Roads of Brazil
Developing An App To Navigate The Roads of BrazilDeveloping An App To Navigate The Roads of Brazil
Developing An App To Navigate The Roads of BrazilV3cube
 
IAC 2024 - IA Fast Track to Search Focused AI Solutions
IAC 2024 - IA Fast Track to Search Focused AI SolutionsIAC 2024 - IA Fast Track to Search Focused AI Solutions
IAC 2024 - IA Fast Track to Search Focused AI SolutionsEnterprise Knowledge
 
EIS-Webinar-Prompt-Knowledge-Eng-2024-04-08.pptx
EIS-Webinar-Prompt-Knowledge-Eng-2024-04-08.pptxEIS-Webinar-Prompt-Knowledge-Eng-2024-04-08.pptx
EIS-Webinar-Prompt-Knowledge-Eng-2024-04-08.pptxEarley Information Science
 
Partners Life - Insurer Innovation Award 2024
Partners Life - Insurer Innovation Award 2024Partners Life - Insurer Innovation Award 2024
Partners Life - Insurer Innovation Award 2024The Digital Insurer
 
Scaling API-first – The story of a global engineering organization
Scaling API-first – The story of a global engineering organizationScaling API-first – The story of a global engineering organization
Scaling API-first – The story of a global engineering organizationRadu Cotescu
 
Tata AIG General Insurance Company - Insurer Innovation Award 2024
Tata AIG General Insurance Company - Insurer Innovation Award 2024Tata AIG General Insurance Company - Insurer Innovation Award 2024
Tata AIG General Insurance Company - Insurer Innovation Award 2024The Digital Insurer
 
The Role of Taxonomy and Ontology in Semantic Layers - Heather Hedden.pdf
The Role of Taxonomy and Ontology in Semantic Layers - Heather Hedden.pdfThe Role of Taxonomy and Ontology in Semantic Layers - Heather Hedden.pdf
The Role of Taxonomy and Ontology in Semantic Layers - Heather Hedden.pdfEnterprise Knowledge
 
TrustArc Webinar - Stay Ahead of US State Data Privacy Law Developments
TrustArc Webinar - Stay Ahead of US State Data Privacy Law DevelopmentsTrustArc Webinar - Stay Ahead of US State Data Privacy Law Developments
TrustArc Webinar - Stay Ahead of US State Data Privacy Law DevelopmentsTrustArc
 
04-2024-HHUG-Sales-and-Marketing-Alignment.pptx
04-2024-HHUG-Sales-and-Marketing-Alignment.pptx04-2024-HHUG-Sales-and-Marketing-Alignment.pptx
04-2024-HHUG-Sales-and-Marketing-Alignment.pptxHampshireHUG
 
2024: Domino Containers - The Next Step. News from the Domino Container commu...
2024: Domino Containers - The Next Step. News from the Domino Container commu...2024: Domino Containers - The Next Step. News from the Domino Container commu...
2024: Domino Containers - The Next Step. News from the Domino Container commu...Martijn de Jong
 
Presentation on how to chat with PDF using ChatGPT code interpreter
Presentation on how to chat with PDF using ChatGPT code interpreterPresentation on how to chat with PDF using ChatGPT code interpreter
Presentation on how to chat with PDF using ChatGPT code interpreternaman860154
 
The Codex of Business Writing Software for Real-World Solutions 2.pptx
The Codex of Business Writing Software for Real-World Solutions 2.pptxThe Codex of Business Writing Software for Real-World Solutions 2.pptx
The Codex of Business Writing Software for Real-World Solutions 2.pptxMalak Abu Hammad
 
🐬 The future of MySQL is Postgres 🐘
🐬  The future of MySQL is Postgres   🐘🐬  The future of MySQL is Postgres   🐘
🐬 The future of MySQL is Postgres 🐘RTylerCroy
 
Neo4j - How KGs are shaping the future of Generative AI at AWS Summit London ...
Neo4j - How KGs are shaping the future of Generative AI at AWS Summit London ...Neo4j - How KGs are shaping the future of Generative AI at AWS Summit London ...
Neo4j - How KGs are shaping the future of Generative AI at AWS Summit London ...Neo4j
 

Recently uploaded (20)

A Domino Admins Adventures (Engage 2024)
A Domino Admins Adventures (Engage 2024)A Domino Admins Adventures (Engage 2024)
A Domino Admins Adventures (Engage 2024)
 
Apidays Singapore 2024 - Building Digital Trust in a Digital Economy by Veron...
Apidays Singapore 2024 - Building Digital Trust in a Digital Economy by Veron...Apidays Singapore 2024 - Building Digital Trust in a Digital Economy by Veron...
Apidays Singapore 2024 - Building Digital Trust in a Digital Economy by Veron...
 
Handwritten Text Recognition for manuscripts and early printed texts
Handwritten Text Recognition for manuscripts and early printed textsHandwritten Text Recognition for manuscripts and early printed texts
Handwritten Text Recognition for manuscripts and early printed texts
 
08448380779 Call Girls In Civil Lines Women Seeking Men
08448380779 Call Girls In Civil Lines Women Seeking Men08448380779 Call Girls In Civil Lines Women Seeking Men
08448380779 Call Girls In Civil Lines Women Seeking Men
 
Kalyanpur ) Call Girls in Lucknow Finest Escorts Service 🍸 8923113531 🎰 Avail...
Kalyanpur ) Call Girls in Lucknow Finest Escorts Service 🍸 8923113531 🎰 Avail...Kalyanpur ) Call Girls in Lucknow Finest Escorts Service 🍸 8923113531 🎰 Avail...
Kalyanpur ) Call Girls in Lucknow Finest Escorts Service 🍸 8923113531 🎰 Avail...
 
Salesforce Community Group Quito, Salesforce 101
Salesforce Community Group Quito, Salesforce 101Salesforce Community Group Quito, Salesforce 101
Salesforce Community Group Quito, Salesforce 101
 
Developing An App To Navigate The Roads of Brazil
Developing An App To Navigate The Roads of BrazilDeveloping An App To Navigate The Roads of Brazil
Developing An App To Navigate The Roads of Brazil
 
IAC 2024 - IA Fast Track to Search Focused AI Solutions
IAC 2024 - IA Fast Track to Search Focused AI SolutionsIAC 2024 - IA Fast Track to Search Focused AI Solutions
IAC 2024 - IA Fast Track to Search Focused AI Solutions
 
EIS-Webinar-Prompt-Knowledge-Eng-2024-04-08.pptx
EIS-Webinar-Prompt-Knowledge-Eng-2024-04-08.pptxEIS-Webinar-Prompt-Knowledge-Eng-2024-04-08.pptx
EIS-Webinar-Prompt-Knowledge-Eng-2024-04-08.pptx
 
Partners Life - Insurer Innovation Award 2024
Partners Life - Insurer Innovation Award 2024Partners Life - Insurer Innovation Award 2024
Partners Life - Insurer Innovation Award 2024
 
Scaling API-first – The story of a global engineering organization
Scaling API-first – The story of a global engineering organizationScaling API-first – The story of a global engineering organization
Scaling API-first – The story of a global engineering organization
 
Tata AIG General Insurance Company - Insurer Innovation Award 2024
Tata AIG General Insurance Company - Insurer Innovation Award 2024Tata AIG General Insurance Company - Insurer Innovation Award 2024
Tata AIG General Insurance Company - Insurer Innovation Award 2024
 
The Role of Taxonomy and Ontology in Semantic Layers - Heather Hedden.pdf
The Role of Taxonomy and Ontology in Semantic Layers - Heather Hedden.pdfThe Role of Taxonomy and Ontology in Semantic Layers - Heather Hedden.pdf
The Role of Taxonomy and Ontology in Semantic Layers - Heather Hedden.pdf
 
TrustArc Webinar - Stay Ahead of US State Data Privacy Law Developments
TrustArc Webinar - Stay Ahead of US State Data Privacy Law DevelopmentsTrustArc Webinar - Stay Ahead of US State Data Privacy Law Developments
TrustArc Webinar - Stay Ahead of US State Data Privacy Law Developments
 
04-2024-HHUG-Sales-and-Marketing-Alignment.pptx
04-2024-HHUG-Sales-and-Marketing-Alignment.pptx04-2024-HHUG-Sales-and-Marketing-Alignment.pptx
04-2024-HHUG-Sales-and-Marketing-Alignment.pptx
 
2024: Domino Containers - The Next Step. News from the Domino Container commu...
2024: Domino Containers - The Next Step. News from the Domino Container commu...2024: Domino Containers - The Next Step. News from the Domino Container commu...
2024: Domino Containers - The Next Step. News from the Domino Container commu...
 
Presentation on how to chat with PDF using ChatGPT code interpreter
Presentation on how to chat with PDF using ChatGPT code interpreterPresentation on how to chat with PDF using ChatGPT code interpreter
Presentation on how to chat with PDF using ChatGPT code interpreter
 
The Codex of Business Writing Software for Real-World Solutions 2.pptx
The Codex of Business Writing Software for Real-World Solutions 2.pptxThe Codex of Business Writing Software for Real-World Solutions 2.pptx
The Codex of Business Writing Software for Real-World Solutions 2.pptx
 
🐬 The future of MySQL is Postgres 🐘
🐬  The future of MySQL is Postgres   🐘🐬  The future of MySQL is Postgres   🐘
🐬 The future of MySQL is Postgres 🐘
 
Neo4j - How KGs are shaping the future of Generative AI at AWS Summit London ...
Neo4j - How KGs are shaping the future of Generative AI at AWS Summit London ...Neo4j - How KGs are shaping the future of Generative AI at AWS Summit London ...
Neo4j - How KGs are shaping the future of Generative AI at AWS Summit London ...
 

EMV Adoption Perspectives and Challenges

  • 1. Perspectives on EMV Ian Kerr Chief Operating Officer Cartes Asia 27 March 2013, Hong Kong www.creditcall.co
  • 2. Current EMV Adoption ian.kerr@creditcall.com Booth 3 E 012 www.level2kernel.com linkedin.com/in/creditcall www.creditcall.co
  • 3. EMV has changed the world! • Increased security and reduced fraud • Standardisation and regulation • Interoperability • Customer confidence • New applications and possibilities ian.kerr@creditcall.com Booth 3 E 012 www.level2kernel.com linkedin.com/in/creditcall www.creditcall.co
  • 4. EMV has changed the world! EMV is to mag stripe what an iPod is to a vinyl record ian.kerr@creditcall.com Booth 3 E 012 www.level2kernel.com linkedin.com/in/creditcall www.creditcall.co
  • 5. Remaining challenges • Completing the roll-out - US knowledge gap - ASPAC deadlines • Upgrading aging equipment • Testing and certification • Lots of new moving parts • Time, resources and budget ian.kerr@creditcall.com Booth 3 E 012 www.level2kernel.com linkedin.com/in/creditcall www.creditcall.co
  • 6. Potential solutions • Don’t re-invent the wheel • Multi-platform, low-footprint Kernels • Work with people who have done this before • Use tooling and expertise in pre-certification • EMV in the Cloud - Already deployed in over 100k devices ian.kerr@creditcall.com Booth 3 E 012 www.level2kernel.com linkedin.com/in/creditcall www.creditcall.co
  • 7. Thank you • Established in 1997 • Offices in the UK and USA • Developing ASPAC presence • A leading Payment Gateway • Over 11 years of EMV excellence • 150+ EMVCo certifications • Over 1 million EMV Kernels deployed globally • Comprehensive EMV Level 1 and 2 solutions ian.kerr@creditcall.com Booth 3 E 012 www.level2kernel.com linkedin.com/in/creditcall www.creditcall.co