Dynamics is constantly creating new technologies that enable new products. With Dynamics' card-based technologies, card issuers can introduce new functionality to all cardholder segments. For example, consumers can now make payment-oriented choices on their card and, in turn, the card can deliver these choices to the card issuer at the point of sale. We call this heightened social interaction between a cardholder and their issuer as the Payments 2.0® space and are pleased to introduce a number of Payments 2.0® applications.