4 BIG DATA
2 MOBILITY THE CLOUD1
CYBER SECURITY 3
COMPLIANCE5
SUMMER 2014
IS YOUR TECHNOLOGY HEADED IN THE RIGHT DIRECTION?FIVE TRENDS TO WATCH 2
IT Insights for the Financial Services Industry
FINTALK REPORT
Thwarting the Latest Threats: Cyber Security and Data Protection 6 | Systems
Risk Assessments — What You Need to Know 8 | Embracing a Cloud Strategy 10
Braving the new financial IT evolution togetherWe live in an era of evolutionary change in the financial services industry. Whether your organization is a bank, credit union, capital markets firm or other type of financial institution, you’re likely facing the same challenges as our customers do every day. Compliance with ever-tightening industry regulations. Thwarting cyber attacks that pose continuous threats to sensitive information. Addressing new customer demands in the face of today’s growing mobile society. Capturing, storing and analyzing vast volumes of data from a variety of sources. Creating a competitive edge in the midst of managing risk while keeping costs down.
Whether you view these changes as challenges or opportunities, CDW Financial Services is committed to helping you succeed with the right IT solutions and services. That’s why we’re pleased to introduce our first issue of FinTalk Report. Here, you’ll gain insights into the latest trends and headlines that are shaping the future of the financial services industry. You’ll hear from your peers who have put technology best practices in motion and are reaping a real ROI. You’ll get the inside track on the hottest IT innovations and practical tips from CDW’s leading experts and partners.
Our goal is to help you navigate the changes ahead and leverage technology to your benefit — as a strategic asset to help your financial services organization be more flexible, agile and profitable in an increasingly complex world. We trust you’ll find value in this publication, and look forward to helping you traverse this new terrain together!
Ben WeissDirector, Financial Services
Stay InformedKeep on top of industry trends, expert views and breaking news. @CDW_FinanceCDW.com/FinTalk
Prepping for Data Loss Prevention The right DLP solution helps capital markets firms secure their data from exposure and protect their reputation from scrutiny. See how you can safeguard your valuable assets. CDW.com/dlpwhitepaper
Considering the Cloud?Learn how financial institutions are moving to cloud-based infrastructure as a service (IaaS) solutions to help meet regulatory, compliance and customer service demands.CDW.com/iaasfinancial
To learn more about CDW Financial Services, visit CDW.com/financial
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Follow us on Twitter @CDW_Finance
New $ign of the TimesThe Top Five Technology Trends Influencing the Financial Services IndustryFrom the cloud to mobile to cyber security, these are the IT trends that are reshaping the financial services industry. 2
CONTENTS
4 BIG DATA
2 MOBILITY THE CLOUD1
CYBER SECURITY 3
COMPLIANCE5
Financial InsightsThwarting the Latest Threats: Cyber Security and Data ProtectionCyber attacks and data breaches are the new normal for the financial services industry. Here’s an overview of the vulnerabilities, latest threats and best practices to protect your organization. 6
Peer PerspectiveFive Things Financial Institutions Need to Know about Systems Risk AssessmentsStephen Reyes, shareholder and CISA at Saltmarsh, Cleaveland & Gund, discusses how financial services firms can create a successful systems risk assessment. 8
Tech TipsEmbracing a Cloud StrategyLearn how a cloud strategy can provide an advantage for financial institutions. 10
InfographicCloud Computing Is on the Rise in Financial ServicesA snapshot of cloud computing adoption and its benefits for financial services. 11
Partner CornerHow Financial Firms Can Boost Savings and Reduce Risk with LANDESK SoftwareLANDESK discusses how it’s helping financial institutions reduce costs and risk. 12
SUMMER 2014 FIN TALK REPORT 1
4 BIG DATA
2 MOBILITY THE CLOUD1
CYBER SECURITY 3
COMPLIANCE5
2 FIN TALK REPORT SUMMER 2014
FIN
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The top five technology trends
influencing the financial services
industry
New $ign of the Times
From transactions migrating to the cloud, to mobility reaching a tipping point, to the influence of big data, the financial services industry is facing a new reality in 2014. Financial services organizations must also maintain a sharp focus on meeting regulatory compliance standards and proactively addressing cyber threats. Our “FIN Watch” feature reviews the top five financial IT trends that are reshaping the financial services industry, now and into the future.
SUMMER 2014 FIN TALK REPORT 3
1 CLOUD ADOPTION ACCELERATES
Shifting business models, an intensified focus on efficiency and demand for customer-oriented technology is driving cloud computing technology adoption like never before. Research shows that a vast majority of financial services organizations plan to invest in the cloud. Sixty percent of banks worldwide will process transactions in the cloud by 2016, while 77% of capital markets firms will leverage the cloud this year alone. In addition, many in the financial services industry have started to realize the quantifiable benefits that the cloud can deliver, like reduced infrastructure and hardware costs. The average cost reduction from cloud computing savings on infrastructure is 23%.
MOBILITY MAKES ITS MOVE
Mobility in the financial services industry has reached a tipping point. With the number of U.S. smartphone users predicted to increase to more than 265 million by 2017, financial services organizations that haven’t created a mobile strategy are putting their growth and efficiency at risk. The mobile app market is exploding as banks, credit unions and capital markets firms embrace mobile services as a way to harness this constant, real-time interaction and significantly enhance the customer experience.
71%of financial services organizations say they will invest more in cloud computing this year, up from 18% in the previous year.“Digital 1Q Snapshot: Cloud,” PricewaterhouseCoopers, March 2013
of U.S. adults now bank using their mobile phones.
of consumers use their mobile phones to make a payment.
of capital markets firms intend to invest in app-driven technology to achieve efficiencies.
32% 51%
51%
$
$CUNA Commissioned Study, Pew Internet & American Life Project and IPC Trading Technology Investment Trend Survey (IPC Systems)
2
4 FIN TALK REPORT SUMMER 2014
FIN
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CYBER SECURITY CONCERNS LOOM LARGE
The proliferation of mobile apps, cloud computing and big data are just some of the reasons why cyber security remains a top concern for the financial services industry. While retail security breaches dominate the headlines, attacks on financial institutions continue to grow. Recognizing that it’s critical to proactively combat rising cyber crime, nearly all financial organizations are currently investing in security technology. Many are allocating almost half (46%) of their IT spend toward security improvement, expansion and innovation over the next 12 months.
93%of financial organizations are maintaining or increasing their cyber security investments.16th Annual Global Information Security Survey, Ernst & Young
37%of cyber attacks are directed at financial services organizations. Verizon Data Breach Investigations Report
3
SUMMER 2014 FIN TALK REPORT 5
BIG DATA IN THE DRIVER’S SEAT
The demand for big data is getting bigger. In fact, spending on big data technologies and services will grow by 30% in 2014, surpassing the $14 billion mark as demand for analytics outpaces supply. This is the year that financial institutions will truly leverage big data to change the way they do business and achieve a competitive advantage by enhancing their knowledge of customers and prospects. Leading financial services firms are more confident than ever about how they can use big data: 70% of data leaders say they can generate forward-looking insights from their data and 72% understand how to integrate performance and risk analytics. Also, 27% of organizations plan to hire specific employees to manage their big data initiatives.
of the financial services industry is already using big data and predictive analytics.
“Analytics: The real-world use of big data in financial services,” University of Oxford and IBM Institute of Business Value Survey
71%
The trickle-down effects of regulatory reform — such as the Dodd-Frank Wall Street reform and the more recent Volcker Rule — continue to impact some 87% of financial services companies. “Trickle-Down Effects of Banking Regulations,” Deloitte survey as cited on TreasuryandRisk.com, August 2013
4
REGULATORY COMPLIANCE REMAINS A PRIORITY
Making it a priority to stay ahead of the regulatory compliance curve is crucial to the success of any financial services organization. Unfortunately, this is easier said than done, which is likely why many are investing heavily in compliance technology — to the tune of a 35% growth in compliance spending by 2015 — as the market maintains its focus on compliance and reform.
5
NEARLY
80%of financial institutions admit to significant concerns about staying abreast of regulatory change and complying with regulators’ demands.Wolters Kluwer Financial Services Regulatory and Risk Management Indicator
THWARTING THE LATEST THREATS:
CYBER SECURITY AND DATA PROTECTION
The threat of cyber attacks and data breaches looms large for financial services organizations of all sizes. Faced with this “new normal,” it’s imperative that financial services firms adopt a holistic approach to combating cyber security threats. This includes a deeper understanding of what makes them vulnerable to attacks and a comprehensive plan to protect themselves from future threats.
FIN
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An industry under attack: The new reality
Cyber attacks on financial services firms are unrelenting. In fact, 37 percent of all cyber attacks are directed at financial services organizations.1 The financial services sector deals with some of the most highly valuable assets, from people’s money and their personal information to highly sensitive and proprietary algorithms. This makes financial services firms particularly susceptible to cyber threats.
Recognizing the gravity of the situation, regulators have made it a priority to address cyber security issues, such as taking proactive strides to adopt federal standards for reporting breaches and creating cyber security standards in the private sector. Still, there are concerns that heavier regulation in the financial services industry may not be optimal — particularly as many organizations are still grappling with the fallout of recent regulatory reforms such as Dodd-Frank and the Volcker Rule. There are concerns that additional regulations could turn into a burden, from both a cost and time perspective.
78%of breach techniques are in the low or very low sophistication category, yet 62% of data breaches take months to discover.
76%The majority (76%) of data breaches and network intrusions result from weak or stolen credentials, followed closely by hacking at 52% and malware, which accounts for 40% of all data breaches.
Verizon Data Breach Investigation Report, 2013
6 FIN TALK REPORT SUMMER 2014
Mobile presents a security obstacleWhile recent advances in mobile applications and platforms have driven industry innovation, they have also opened the door to greater security challenges. Mobile platforms deliver multiple channels and ways for customers to engage, but this open architecture can be extremely difficult — and costly — to protect. In fact, IT professionals identify concern for mobile devices, and the ability to defend these devices against cyber threats, as one of their top security challenges.2 Mobile devices are particularly susceptible to crimeware kits and cross-platform malware, which take advantage of security gaps and deliver sensitive information to hackers.3
Internal threats still persistUnfortunately, attempts to steal highly sensitive confidential information are widespread within many organizations. Also, employees can unknowingly open up their organizations to cyber criminals. Phishing and ransomware attacks, which have grown in number and sophistication in recent years, are often used to compromise employees’ credentials. Cross-channel and disruptive DDoS attacks typically are waged as a way to take advantage of overburdened employees. Protecting against internal threats can be as simple as requiring stronger authentication credentials and implementing stricter access to sensitive data. Organization-wide cyber education is also critical to ensure employees at all levels are aware of potential risks.
Third-party relationships pose risks Recent data breaches at large national retailers have underscored the difficulty of securing customers’ financial data and the vulnerability of retail point-of-sale terminals, which are a prime target for cyber thieves.4 In addition to hiking internal security measures, financial services firms must also be concerned with the security of their vendors, service providers and other third parties. Federal regulators, including the FDIC and Office of the Controller of the Currency, have prepared guidance for risks related to third parties.
Protecting your reputation and your data from cyber attacksTo properly defend against cyber threats, financial services organizations must implement a proactive and comprehensive technology plan. This should include a data loss prevention solution, as well as encryption software, web proxies and a malware filtering solution to weed out legitimate emails from phishing and whaling emails, which represent about 80 percent of incoming emails. Again, firms should also concentrate more actively on employee education, because much of their data loss comes from within the organization.
93%of financial organizations are maintaining or increasing their cyber security investments.16th Annual Global Information Security Survey, Ernst & Young
The market price of malware is relatively low: $1800 to $2300.“Security Firm IDs Malware Used in Target Attack,” Brian Krebs (KrebsOnSecurity.com), ComputerWorld, January 16, 2014
The average DDoS attack size stands at 2.64 Gbps, an increase of 78% since 2012.“Q3 Global DDoS Attack Trends Data,” Arbor Networks
78%
46%of IT spend will be directed toward security improvement, expansion and innovation over the next 12 months.16th Annual Global Information Security Survey, Ernst & Young
4 TIPS to protect your
organization from data breaches
1 Request a penetration test from multiple sources.
2 Deploy the right security technology to address vulnerabilities.
3 Implement an asset management system to track devices and equipment from procurement to implementation.
4 Tap industry experts to get an in-depth view of industry challenges and solutions.
Cyber criminals and the attacks they carry out aren’t going away anytime soon. But there is hope for the financial services industry. Moves toward increased, prioritized investment in cyber security technology prove the industry is headed in the right direction.
SUMMER 2014 FIN TALK REPORT 7
Sources 1 Verizon Data Breach Investigations Report, 2013 | 2 Cyberedge Group Cyberthreat Defense Report, 2014 | 3 “The Top Financial Services Cyber Security Trends for 2014,” Booz Allen | 4 “POS Systems Key Vulnerability in Security Breaches,” Cisco
8 FIN TALK REPORT SUMMER 2014
FIVE THINGS Financial Institutions Need to Know About
SYSTEMS
RISK ASSESSMENTS
By Stephen Reyes, Shareholder, CISA, Saltmarsh, Cleaveland & Gund
PEER
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The financial crisis of 2008 forever changed the way banks look at risk, by forcing regulators to focus on broader risk management tactics and greater oversight. Unfortunately, it also took the focus off IT and risk in information systems. But recent data breaches have nudged systems risk assessments back into the spotlight.
SUMMER 2014 FIN TALK REPORT 9
About Saltmarsh, Cleaveland & GundSaltmarsh, Cleaveland & Gund is a leader in offering a full range of professional services to financial institutions — from accounting and taxation to outsourced services and consulting — for almost 70 years in the Southeast and throughout the U.S. Stephen Reyes can be reached at 800.477.7458 or [email protected].
1Don’t overlook external risk. Vendor-associated risk is the fastest growing risk area for financial institutions. As they increasingly look to third parties to provide best-of-breed services, financial organizations are outsourcing processes that once were done internally — potentially opening themselves up to a whole new category of risk. These vendors have access to sensitive data and can greatly affect a financial institution’s operations. As systems become more complex and increasingly automated, it’s critical that a risk assessment be performed for every vendor that could potentially exploit your financial institution.
2Determine the value of each system’s information. The first step to creating a comprehensive systems risk assessment is to evaluate each of the systems within the financial institution. This includes identifying the information the system holds and determining its value. Does the system contain corporate or customer data? How sensitive is the resource that needs to be protected? With a solid understanding of what’s there to protect, you can formulate a plan to safeguard it against risk.
3Identify and prioritize threats. Financial institutions must identify and prioritize potential threats to their systems, and assign value to these threats. This value should be based on the total risk the threat poses: How likely is it that this threat could be exploited? How impactful would that be? For example, something that is very unlikely to be exploited, but would critically impact the organization if it were, is assigned a high risk value. It’s also important to look at unmitigated risk and evaluate the threat level without any protections or processes in place. This will help determine residual risk, which can provide a clearer understanding of where to assign more resources to reduce the threat potential.
4Move beyond the template. Increased regulatory focus on information systems risk is putting a greater responsibility on financial institutions to ensure that systems are adequately protected. A standard, templated approach to systems risk assessments is no longer acceptable. Financial institutions must be able to communicate how their systems are protected, and this is driving the need for more comprehensive risk processes. Today’s systems risk assessment is a truly iterative process that is performed year after year to reevaluate the risks specifically based on each institution’s unique environment.
5Leverage systems risk assessments to inform IT decisions. There is no silver bullet to implementing a successful, holistic systems risk assessment. It’s an iterative process that takes time and attention to detail. Technology can be used to automate the process and ensure uniform quality, as well as to drive timing and reoccurrence. But, more important, a thorough systems risk assessment can inform IT decisions — providing a better understanding of what technology needs to be implemented and ultimately unlocking its true value to reduce information systems risk.
HERE ARE THE TOP FIVE THINGS YOUR FINANCIAL INSTITUTION NEEDS TO KNOW ABOUT SYSTEMS RISK ASSESSMENTS
TECH
TIP
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CLOUD COMPUTING IS ON THE RISE
IN FINANCIAL SERVICES
Q&A WITH DREW KLOS
We sat down with Drew Klos, CDW Aggregation Services Specialist, to discuss the rapidly changing IT landscape. He shared his thoughts on how adopting the right cloud solution can provide an advantage for financial services firms.
Q: What IT changes are you seeing in the financial
services industry?
A: Today, for an advantage in financial services,
you have to differentiate yourself. The traditional model of sourcing IT and delivering information to the endpoint is being challenged — that’s to say, IT managers are opening up to what’s possible, not what’s always been done. Tapping new technology, delivered as a service via the cloud, helps firms do things they never thought possible.
Q: Can legacy systems gain the efficiencies
of the cloud?
A: Some financial organizations are using older platforms
or operating systems such as IBM as/400 or AIX, and this may hold them back from being as agile as they desire to be. A hybrid cloud environment is the perfect solution. The IaaS model gives access to always-available, leading-edge technology. A customer can start with compute instances as a service — the latest technology on demand, easily tied back to the customer’s primary data center. As existing assets depreciate or require a hardware refresh, they then get virtualized and move into the cloud. This is true even of legacy systems like as/400, AIX or even mainframes.
Q: How can the cloud work for capital markets firms?
A: Capital markets firms are always looking to gain
efficiencies and lean resources delivering the highest return for investment in any technology. One of the main benefits of cloud resources is the rapid scalability and dynamic quality it lends to IT, which ensures high utilization. For example, if a firm purchases (on a CapEx) servers and storage, they must be sized not only for today’s needs, but for anticipated growth as well. This leads to over-engineering and overspending for today’s needs. In the cloud (OpEx), the servers and storage are dynamic in that they can be expanded or contracted. Firms pay only for what’s being used — it’s metered, ensuring IT is as lean as possible but maintains the flexibility to rapidly scale on the fly.
Q: What about data security and compliance, two
of the biggest concerns for financial institutions?
A: Our providers are in the business of delivering
secure and compliant cloud services. They have tested and trusted methodologies designed to mitigate risk on behalf of the customer. They carefully map out the plan of moving to the cloud, then securing and delivering resources in the cloud. They are certified and strictly adhere to and understand the challenges of industry compliance requirements (PCI, NIST800, GLBA, SOX, etc.).
EMBRACING A
Cloud Strategy
To learn more about cloud computing, visit CDW.com/cloud.
Drew Klos, CDW Aggregation Services Specialist
XX
10 FIN TALK REPORT SUMMER 2014
CLOUD COMPUTING IS ON THE RISE
IN FINANCIAL SERVICES
71%
AT THE TIPPING POINT
REDUCING COSTS
Top benefits of cloud computing, in a survey of financial services CIOs:5
SCALABILITY35%IMPROVED RELIABILITY28%ENHANCED SECURITY24%
“Cloud is becoming a way for banks to deliver new
products to market faster and accelerate their growth.”
David Zimmerman, Global Cloud Leader, IBM, “Cloud Accelerates Competitive Advantage to Banking and Financial Markets,” BankTech, November 25, 2013
10%–15%The amount that capital markets firms can save by shifting to the cloud.8
KEY BENEFITS26%
Financial services CIOs expect to gain as much as 26% of their IT budgets in cost savings.7
of financial services executives say they will invest more in cloud computing.1
SECURITY MYTH BUSTERS
“The #1 myth about cloud adoption is that it’s not as secure as on-premise systems.”3
say the cloud has improved their information security.4
48%
SOURCES:1 “BANKS INCREASING CLOUD SPENDING IN 2013,” PRICEWATERHOUSECOOPERS REPORT, AMERICAN BANKER BANK TECHNOLOGY NEWS | 2 “CIO STRATEGIES IN 2013: CLOUD COMPUTING FOR FINANCIAL SERVICES,” SAVVIS 2013 GLOBAL IT LEADERSHIP REPORT | 3 MIKE FLOUTON, VP OF PRODUCT MARKETING FOR SILVER SKY (A CUNA STRATEGIC SERVICES ALLIANCE PROVIDER), “FIVE CLOUD SECURITY MYTHS DEBUNKED,” CREDIT UNION MAGAZINE, AUGUST 27, 2013 | 4 “CLOUDS IN THE FORECAST 2013,” PRICEWATERHOUSECOOPERS FINANCIAL SERVICES VIEWPOINT | 5“CIO STRATEGIES IN 2013: CLOUD COMPUTING FOR FINANCIAL SERVICES,” SAVVIS 2013 GLOBAL IT LEADERSHIP REPORT | 6ONEMARKETDATA CAPITAL MARKETS CLOUD ADOPTION SURVEY, WALL STREET AND TECHNOLOGY, NOVEMBER 11, 2013. | 7 “CIO STRATEGIES IN 2013: CLOUD COMPUTING FOR FINANCIAL SERVICES,” SAVVIS 2013 GLOBAL IT LEADERSHIP REPORT | 8“CAPITAL MARKETS TAKE TO THE CLOUD,” EFINANCIAL NEWS, NOVEMBER 13, 2013
40%of global financial industry IT infrastructure will be outsourced by 2017, up from 25%. 2
For more information about how the cloud can help your organization, visit CDW.com/financial.
of capital markets firms chose data storage as the service they consider most appropriate for cloud computing.6
78.3%
SUMMER 2014 FIN TALK REPORT 11
12 FIN TALK REPORT SUMMER 2014
PART
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Q&A with Andrew Ruse, LANDESK Software
Q: What major challenges are you seeing in the financial services industry?
A: There are two factors impacting the financial services industry today. First, industry consolidation over the past few years created a lot of complex issues for financial services IT professionals. Overnight they were responsible for the compliance and security of another financial organization, without a merged infrastructure. That’s created a lot of IT challenges.
Second, reducing risk has become a major focus for financial institutions. The increase in regulations to manage risk has added a lot more complexity to IT responsibilities and raised major concerns related to audits and compliance.
Q: How is LANDESK helping financial institutions with their technology issues?
A: Reducing IT costs is a major benefit for financial institutions. One way we do that is through a software license reclamation. We identify unused software installed throughout an organization. That software has an annual maintenance cost associated with it, but not everyone who has requested the software is using it. Our software identifies it and removes it, and the maintenance cost is eliminated.
Second, we recognize that increasing end-user productivity is key. That means keeping your PC, laptop or mobile device up, running and healthy with proper applications, configuration, reboots, controls, patching, etc. Financial organizations need to make sure employees have an effective platform so they can be productive, and LANDESK assists with this process.
A third big area is decreasing the corporate risk factor. The financial services industry is heavily regulated. It’s all about protecting shareholders, investors, members and customers. Our security management products help reduce that risk. For example, we can configure nearly any device so it’s secure from outside attacks.
Q: What advice do you have for financial services firms?
A: One of the biggest tips we give our customers is to accelerate the migration from Windows® XP to Windows® 7 or Windows® 8.1, since Microsoft ended XP support on April 8, 2014. Equally critical is to implement a patch solution that can patch and update a wide variety of applications from different vendors — not only Microsoft patches, but third-party applications as well.
Next, be sure the device is configured properly. You could have the best antivirus solution or firewall on your desktop, laptop or mobile device, but if you don’t configure the device correctly,
it could still be vulnerable. Using weak passwords, improperly setting a registry key or having a service that’s not running correctly leaves an open door for malicious activity. It’s important to invest in an endpoint protection solution that addresses the whole picture, from HIPS to security to configuration to patching.
TECHTALK PARTNER CORNER
How Financial Firms Can Boost Savings and Reduce RiskReducing costs and increasing productivity are top concerns for financial services institutions. We sat down with Andrew Ruse at LANDESK Software to discuss how LANDESK is helping financial institutions solve these and other industry challenges.
BYOD: THE NEW REALITY
Financial services remains the industry with the most device activations.2013 MOBILITY INDEX REPORT BY GOOD TECHNOLOGY
CHALLENGE: The use of mobile devices is exploding and many financial organizations are implementing BYOD programs. It can get complicated because a license is required for every device that needs to be managed and secured. This is a huge, unpredictable expense because many employees use multiple devices.
SOLUTION: The LANDESK user-oriented approach model enables a company to buy one license to manage multiple devices for one employee. This makes budgets more predictable and device management much easier.
Andrew Ruse is the Vice President of Sales, Americas, for LANDESK Software.
SPRING 2014 FIN TECH REPORT 5
Get started at CDW.com/XPEndofLife
RISKY BUSINESS
Without Windows® XP security updates, your PC may become vulnerable to harmful viruses, spyware and other malicious software that can steal or damage your business data and information.
Migrating to a modern operating system such as Windows® 8.1 delivers dramatic benefits including enhanced security, broad device choice for a mobile workforce and lower total cost of ownership through improved management capabilities. If you’ve been hesitant to make the switch, CDW can help. Our Windows Assessment and Migration service makes the transition as smooth and seamless as possible.
AFTER 12 YEARS, MICROSOFT WINDOWS® XP HAS REACHED THE END OF ITS LIFE. THERE WILL BE NO MORE SECURITY PATCHES OR UPDATES FOR THE AGED OPERATING SYSTEM.
CHOOSING NOT TO MIGRATE COULD COST YOUR COMPANY A MINIMUM OF $200,000 FOR A CUSTOM WINDOWS® XP CONTRACT.
IT’S TIME TO TAKE ACTI N
DON’T WAIT
