The most visible aspect of our business are the MULTOS modules, or chips, that we provide to over 35 card manufacturing partners globally, with our technology being the choice of many of the world's leading financial institutions, system integrators and government- issued identity programs. For more than 20 years we have supplied these markets with products based on MULTOS - the world's most secure, multi-application smartcard operating system. Our team, with development centres in Australia, Singapore and the UK, and sales and technical support offices dispersed around the world, have collaborated with major payment schemes, transit providers and government agencies to produce not only the MULTOS products, but also the applications and tools necessary to implement world-class smartcard installations. This includes working with all the major global payment systems, as well as local/regional ATM and debit schemes. The development and sales of secure smartcard technology is supplemented by a technical support team that strives to provide the highest level of customer-focused technical and business support. These specialists are dedicated to ensuring customers receive timely support and training at every stage of their smartcard programmes. The expertise of this group extends to technical consulting, specification development, EMV parameter setting and training on all aspects of the smartcard ecosystem