Spectrum Message Services Pty Ltd specialises in the provision of interactive SMS, mobile banking and payment solutions in the global market place. Its main product in this area, MoneyGuard capitalises on the widespread distribution of mobile phones by using these as an additional channel to notify customers when a card transaction is occurring, in real time. Apart from the fraud reduction aspect, customer facing value added services like balance enquiries, real time credit limit adjustments and exchange rate queries are all supported. The vision of the company and its partners is to ‘profitably reduce fraud while enhancing the customer experience’ for the banking community in their respective markets. The company distributes the products through partners in various territories. Most significantly it is globally partnering with ACI and with First Data. It has OTP Bank and its subsidiaries in 10 countries as its longstanding customer. Apart from MoneyGuard the company has a range of products: SNAP (a system to create web responsive front ends to any transactional system), Technocall (call centre including IVR functionality) and DOTPOS enabling QR code based payments.