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A deck of 28 different secure ID cards–that’s what one treasurer pulled out of his top desk drawer during a 2005 visit by Paul Galant, managing director and global head of Citigroup’s cash management business. “There has to be a better way of providing secure identification,” he complained to Galant. It turned out that he was talking to the right person. Galant was also tired of coping with things like Citi’s vast files of paper signature cards. It was time to find a better way.

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