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HalCash combines consumers’ love of their mobile phones with the financial industry’s 3+ million ATMs deployed globally to turn these ATMs into mobile money terminals supporting a variety of innovative transactions. With nearly 5 billion consumers owning mobile phones globally, HalCash provides a convenient and ubiquitous way for consumers, businesses and governments to deliver cash payments without requiring the recipient to have a credit/debit card or a bank/other account or to disclose their sensitive account information. This means that any consumer with a mobile phone can instantly receive payments and access cash 24x7x365 at an ATM conveniently located near them.

Pin4 is a payment and authorization network that provides real-time cardless cash withdrawals at any enabled ATM. Through our patented process, the Pin4 solution provides instant gratification and “cash in hand” to consumers and opens up a new payment channel for P2P businesses and other companies that are looking to enhance their promotion, loyalty and rebate programs.

The payments industry is experiencing a tsunami of change due to intense legal/regulatory activity, new technologies and rapid product innovation. McGovern Smith Advisors is a Washington DC-based payments industry advisory firm that helps payments industry companies navigate these changes to grow their businesses and manage their risks. Our combination of experienced industry veterans, deep understanding of the payments industry and comprehensive advisory services means our clients receive advice that is informed, efficient and actionable. Our veteran industry practitioners have an average of more than 25 years of relevant experience and we are uniquely qualified to incorporate compliance, risk management and government relations into our advice when appropriate.Our practice areas include prepaid and debit cards, credit and commercial cards, merchant acquiring, emerging payments, compliance/risk management and government relations. Our services include new product development, strategic sourcing and vendor negotiation (processing, banking, payment networks, service providers, etc.), financial and profitability analyses, marketing strategies and implementation, regulatory/compliance assessment (including third party vendor risk management), mergers and acquisitions and government relations.

Ashby Point Capital is a private equity firm investing in companies in the payments and financial services areas. Founded and run by experienced payment and financial services industry experts, operators and consultants, Ashby Point Capital brings a unique perspective as well as informed strategic guidance and advice to its portfolio companies.

Founded and managed First Annapolis Consulting, the premier payment systems consulting and M&A firm in the world.