The best commercial IoT vendor securely tracking and monitoring high value assets globally for the DoD, Pratt &Whitney, DuPont, Dole, Department of State, BNSF, UP, and others.

We are creating real change in the $1.5 trillion cash economy.First we get consumers to leave their "coin" change in their account with their favorite retailers and they are rewarded with “interest” (10 times higher than the banks) in the form of buying power at that retailer. Then they add more to their account. We change cash into digital cash.We are launching PB Microsavings, the retailer digital cash “house” account with key retailers...PB Microsavings’ patent pending technology can put $400 Billion of change (and a lot more) back into the US Economy – a common sense paradigm shift.Consumers and retailers both hate change but they exchange $400 Billion of it every year. PB Microsavings leverages the retailers’ fixed cost POS. Consumers can deposit their change and a lot more every time they shop into their digital cash house account that earns significant interest in the form of additional buying power at the store.Consumers win - they get rid of change, get the easiest way to save and get real value for their money with digital cash account without bank fees.Retailers win with new cash flow, really loyal customers, new sales and new profits.Clearly the first target of our paradigm shift is the $400 B in coins that change hands every year. But the savvy American shopper pointed out in every focus group ”….”I want to get more buying power for my money”. “I want to be able to deposit more than just my change”. We clearly expect consumers to make deposits from their debit and credit card purchases and even make direct deposits from their pay checks.We are making this retailer PB digital cash house account the everyday everyman’s transaction account - a far more efficient debit card alternative system that removes the bank and banking fees from the middle of many retail transactions.Retailers’ fixed cost omnipresent POS system can do better for the consumer than the banks..

Joint Venture with Google to put cell phones in the hands of every Citigroup client

Wireless advisor to Cingular- AT&T Wireless, Verizon Wireless, Motorola, and Musicland

MVNO for major retailers

Securitized asset back funder of pharmacy third party receivables

Holding company for Island Records, Island Films and Island Hotel properties

Citicorp's new ventures in the information business