A Note from Francois van Schoor, Divisional President It is hard to believe that we are already into February 2011! Simplifying regulatory compliance, continuing to strengthen data security, improving usability and flexibility, and supporting innovation—all of these continue to be key areas of focus for S1 in 2011. Our priorities are, as ever, based on your feedback. Some examples of solution enhancements that we will be working on this year include point-to-point encryption and tokenization, as well as accessibility improvements at the ATM channel to better meet the needs of disabled cardholders. Other exciting updates are being evaluated for mobile retail payments this year, building on the mobile banking initiatives already underway. Continue reading Francois' welcome note   Also in this issue • New VP of Operations for North American Customer Base • Is the Timing Right for Multinational Retailers to Centralize Their Payments Systems? • New Total Cost of Ownership Calculator for ATM Driving • Insights from the National Retail Federation (NRF) Show in January in New York City Southern Africa's Biggest Single-brand Retailer Responds to Customer Demand PEP Stores' customers were asking for more than just cash to be accepted at the checkout. Read the full article to learn how S1 made it easier for PEP to respond quickly to meet its customers' demands for greater convenience. Upcoming Executive Days and S1 Payments Conference During 2011, S1 will host a number of events to assist senior executives from banks, processors, and retailers stay abreast of market trends and industry drivers. We are preparing a lineup of great presentations by industry experts, research analysts, S1 customers and business partners, and of course by S1's own highly-experienced staff. Click here to learn more about these events. S1 is a trademark of S1 Corporation or its affiliates. All other registered or unregistered trademarks and service marks are properties of their respective companies and should be treated as such.