Technology Awards 2017/18 1 - Information Security Forum · 8 Technology Awards 2017/18 Technology Awards 2017/18 9 13 years on from its initial set-up, Kiva is involved in humanitarian

Technology Awards 2017/18 1

HOW

CROWDFUNDING HAS INCREASED THE PACE OF

TECHNOLOGICAL DEVELOPMENTS IN THE 21ST CENTURY

8 Technology Awards 2017/18 Technology Awards 2017/18 9

13 years on from its initial set-up, Kiva is involved in humanitarian efforts as well as commercial, boasts a loan repayment rate of 96.9% and has been used by over 1.7 million people across 83 different countries, all contributing to the platform. This enormous success would plant the seeds for a wave of crowdfunding platforms which did not only focus on the arts or business, but also on the development and invention of new technologies which could be applied to a diverse range of sectors. In turn, this has created an enormous influx of potentially disruptive technologies being developed, as inventors and entrepreneurs don’t only craft improved products but innovations which can transform entire industries.

By 2010 crowdfunding had become an established (if not entirely utilised) development platform for companies looking to secure funding for their own inventions, able to choose from a number of platforms including Kickstarter, GoFundMe and Microventure. Whilst crowdfunding is seldom used to solely fund a project, it can be used to secure bulk-funding which can help a product get well underway or circumnavigate certain aspects of production – such as legal or manufacturing fees, with traditional funding means covering one, crowdfunding the other. By pledging money towards a project, each investor can get everything from updates and product information long before release through to beta tests of a product or even early models in select cases. This creates a system where value is not inherent just to ideas, but to the careful and well-planned execution of manufacturing campaigns.

run, it had raised $10,266,845 from over 85,000 – the most raised by any Kickstarter product at the time, transforming the company from novel concept to global operation overnight. This success would later be replicated (and surpassed) by the Pebble Time, the company’s follow-up product which currently stands as the most funded product of all time, which had raised $6.5 million in a day, going on to raise a total of $20.34 million.

Donation-based crowdfunding has also helped completely revolutionise the capabilities of researchers and developers. Rather than focusing purely on commercial markets, the crowdsourcing model allows for finance, technology and medical advancement benefits which can further utilise the platform. UK medical developers Iriss Medical were able to raise £491,387 to create an innovative medical device which performs tests designed to identify early symptoms of lazy eye in children. This perfectly showcases crowdsourcing’s capabilities as an enabler for disruptive innovation – by identifying a need in the market and then creating a product specifically designed to mee that need, then seeking public funding to support its development, the company are able to bypass funding restraints and create whole new technological avenues in the market.

The History of Crowdfunding

As we reach new levels of global connectivity, entrepreneurial platforms are evolving to accommodate an increasingly enterprising world. Where innovators would once have needed to secure funding through an established body (bank, trustees, board of investors etc.), internet platforms have almost entirely revolutionised the model, largely thanks to their adoption of crowdfunding platforms to create a more organic (and rapid) approach to development. These platforms allow for the steady spread of costs involved in the research and development of new technology by inviting the general public to participate in the initial stages of development.

Crowdfunding itself has been in existence for funding projects for a number of centuries, though initially was used more to fund the arts than for technological developments. The first recorded internet-based crowdfunding platform was ArtistShare in 2003, which operated on much the same model as early crowdfunding initiatives, largely raising money for creative artists. This model was further developed by Kiva, a revolutionary loan platform launched in 2005 which allowed users to send ‘loans’ to entrepreneurs, charities and organisations. These loans could be entirely altruistic, or yield small profits for investors once a product or business had successfully been established. Kiva’s model completely changed how small to medium businesses (SMEs) could operate, allowing them more control over their products and processes than was initially available via the traditional bank loan system.

The Value of Crowdfunding

This decade has seen a steady growth in the value of funds raised via crowdfunding platforms on a global scale. In 2014, $597.14 million US Dollars had been raised in crowdfunding projects, rising by 23.7% in 2016 to $738.9 million. By and large, the platform’s biggest successes (and most valuable projects) are within the software sector. Furthermore, 22 of the 37 crowdfunded projects which have managed to raise over $10 million relate to blockchain technology.

Blockchain has earned a reputation for enhanced value as it essentially revolutionises the way that providers store and share data. It is held in particularly high regard in the finance and investment banking sectors, where its technological capabilities can provide for the smooth transition into Open Banking – a proposed zeitgeist shift which will see banks store and share customers’ information in a more open (but still highly secure) manner.

This does not mean that technology success stories are few and far between, however. One of crowdfunding’s biggest draws (and most romanticised aspects) is that it essentially breathes new life into projects, allowing consumers to determine the success of a product without relying on marketing or PR pushes. This sentiment is reflected in several big crowdfunding success stories, including developer Pebble. Pebble is widely hailed as an innovator, having produced the first commercially successful smartwatch. While that market has since gone on to earn wider interest (in no small part thanks to the arrival of products by consumer trendsetters Apple and Garmin), Pebble was instrumental in launching commercially viable products with their eponymous release in 2012.

At the time, Pebble had been able to raise venture capital but also failed to attract the interest of traditional investors who were unsure of the market value of an entirely untested product. Turning to crowdfunding to raise the necessary funding for their product, Pebble had managed to raise its $100,000 goal within two hours of project launch, hitting $1 million the following day. By the end of the project’s

HOW CROWDFUNDING HAS INCREASED THE PACE OF TECHNOLOGICAL DEVELOPMENTS IN THE 21ST CENTURY


This story was also somewhat replicated with Kickstarter’s second most successfully funded project, The Coolest Cooler. Despite raising $13.29 million for their product, the enormous demand for The Coolest Cooler meant that the company struggled to fulfil orders in a timely fashion – attributed to production issues and factory strikes at the time of manufacture. The company even returned to the crowdfunding source to ask backers to front an extra $97 per product to circumnavigate these issues, showing that initial funding amounts aren’t always necessarily representative of the needs (and costs) of the manufacturer.

The Logistical Issues of Crowdfunding

An independent study conducted in association with Kickstarter showed that even if a project is successfully funded, it may not necessarily ship. This can have a profound effect on the attitudes consumers hold towards the platform, but also highlights issues of consumer safety and fulfilment that can plight the industry. According to this study, 9% of successfully-funded campaigns haven’t shipped – this puts a larger onus on the platforms themselves to provide customer security and protect investments from turning into ‘get-rich-quick’ schemes.

Even the biggest crowdfunding success stories have experienced setbacks and issues inherent to the development process. The huge success of Pebble is widely hailed as proof that crowdfunding can hugely revolutionise technology, particularly from a commercial standpoint. However, even this didn’t come without its issues. The lack of traditional infrastructure can overwhelm a manufacturer if the demand far outweighs their logistical capabilities. Pebble are testament to this; the 100,000+ orders for the initial product put high pressure on the company to try and deliver and ship a product which needed testing, quality control measures and physical manufacturing within a short time-span, inevitably meaning that initial ship-dates came and passed with long production delays irking initial investors.

Pebble would finally ship in January 2013, having addressed these initial issues to deliver a high-quality product to consumers. The crowdfunding model had brought the company immense success, but it did not futureproof them from issues which plague almost all businesses. Crowdfunding can be an exceptional funding tool for businesses to sustain themselves and infuse fresh interest and excitement into a particular product, but overall (as it currently stands) it is ill-suited to being the primary infrastructure for any business. Despite their enormous success, Pebble ultimately ran into funding and debt issues which caused them to reduce staffing numbers and eventually sell the business to Fitbit for $30 to $40 million – an amount which apparently barely covered the company’s debts at the time.

The Legality of Crowdfunding

Many of the areas covered by crowdfunding are largely legal and subject to the same trading standards as a traditional business or manufacturer would be. One of the more complicated issues to arise from crowdfunding’s popularity has been an increase in equity crowdfunding (investment in an early-stage unlisted company in exchange for shares in said company) and Initial Coin Offering crowdfunding (the trading of existing cryptocurrency in exchange for the development – and return – of future cryptocoins).

The entirely novel and unprecedented nature of these crowdfunding developments has made regulating them in a legal capacity a logistical challenge for international law and financial institutions. This means that each country largely has its own framework and restrictions or regulations which a business must follow to be able to crowdfund equity. The United States and the United Kingdom both run equity crowdfunding through regulatory bodies – via the Securities Exchange Commission and Financial Conduct Authority, respectively – in order to assess the legality of each project. Elsewhere, India has prohibited the system by law.

An outright ban has been imposed on ICO crowdfunding in both South Korea and China, whilst countries like Vietnam simply restrict the ability for companies to pay out solely in cryptocurrency. These bans have wider implications to the global cryptocurrency community – outright bans on popular forms like Bitcoin have dramatically impacted the coins’ stock value and raise issues of value in investing in potentially volatile (or outright zero-return) stocks like new cryptocurrency. Despite this, the crowdfunding model has allowed these systems to thrive in part, as technological communities embrace the potential capabilities (and profits) that crowdfunded equity can entail.



having complete access to the funds. Additionally, some blockchain platforms offer additional services which can assist in the logistical planning and execution of a crowdfunding platform. OpenLedger operates a robust crowdfunding suite which utilises its capabilities for cryptocurrency trading and creation. The company are able to cover everything from marketing and legal logistics to asset issuing, distribution and public relations, giving SMEs and other businesses a reliable framework from which they can operate.

What Next for Crowdfunding?

Crowdfunding’s capabilities for raising capital can make it an invaluable resource for getting projects off the ground, rapidly advancing the pace of technological advancement as it allows concepts to thrive over traditional market-led products. Technological hardware and software has been able to thrive as a result, operating on qualitative consumer data based directly on the interests and desires of real-world consumers, rather than projected consumer data based upon demographics or market research.

Additionally, the platform’s non-commercial aspects have made it a boon to researchers and developers working on technological or industrial projects. Projects can fund everything from equipment (including state-of-the-art developments like drones, 3D Printers and robotics) to direct investment in research, with many scientists in the United States using the platform to fund research where grants are not widely available due to legislation or perceived lack of interest. This new means of funding also means that work is less constrained to fitting the guidelines of a particular investor, allowing for greater innovation overall as the research can be largely untouched by those funding it in the first place.

Crowdsourcing is ultimately a fantastic tool, but one which must be deployed with finesse, as part of a wider toolkit that can properly assess the needs of a business and their capabilities to generate overall success. Additionally, the high-profile nature of these manufacturing issues with earlier crowdfunding successes highlighted a need for better security for investors and well-thought manufacturing contingency plans to ensure a product can be shipped, thereby improving the processes of the wider industry.

Bigger companies are also beginning to embrace crowdfunding as a potential source of market and consumer research. By directly floating a market concept out to the potential consumer, a corporation can use crowdfunding to assess the viability of said product (as with smartwatches) and assess any potential logistical

issues/concerns using direct communication with a consumer base. In addition, this can also be used to realise the potential projects of employees. In 2015, the lifestyle start-up Fashion Entertainment raised over $20,000 to bring a new kind of wristwatch to the market; Fashion Entertainment is actually a subsidiary of Sony, showcasing a whole new avenue of enterprise for big companies utilising the crowdfunding model.

As the platform develops, so too do the technologies and legal regulations which govern it. Crowdfunding has proven itself as a technology which breeds innovation and creativity, and can reward careful planning and spell enormous success for small businesses. In turn, its ability to effectively fund its own improvements (as with blockchain) create an effective environment for improvement and reinvention, the platform essentially being able to operate as an entire industry and market unto itself.

Blockchain and the Future of Crowdfunding

Ironically, while crowdfunding has largely been responsible for the development of some of the bigger and more innovative blockchain projects on the market – including Filecoin, EOS and The DAO – blockchain has had its own effect on revolutionising the platform. Not only do blockchain technologies enforce a greater transparency within the crowdfunding platform (something of a constant issue throughout its history), but they also allow projects to be decentralised, bypassing some of the hosting costs away from the crowdfunding platforms themselves. In exchange for their services, platforms like Indiegogo and Kickstarter often charge a hosting fee – this may only be 5% of total funds received (with an additional 3 – 5% going towards payment processing) but can amount to huge fees for the most successful projects and can even hinder their ability to deliver something profitably.

These blockchain-imbued models of crowdfunding are currently largely untested (representing the cutting-edge of software development), but have the potential to serve as disruptive innovation much as crowdfunding itself did a decade ago. Blockchain crowdfunding allows start-ups to create their own digital currencies, allowing for enormous savings from the offset as investors can buy-in on a more universal model than relying on international currency. This also allows each blockchain to operate independently as an internal community, bypassing standard financing models entirely. One of the earliest successes in this development is Strasis, a UK-based company who raised over $100,000.

Strasis funded a blockchain development platform with the aim to reduce the time it takes to create blockchain apps, funded uniquely through the sole use of Bitcoins. These coins can pay for use of the platform as a service or for dapp hosting functionality. Unlike other crowdfunded enterprises, Strasis store their bitcoins in an independent multisig account, holding only one of the keys to the account. Not only does this protect the investor (and project) from any potential cases of fraud, but it allows for a higher level of security on all projects, with no single party


SNAPSHOT: TECHNOLOGY, MEDIA & TELECOMMUNICATIONS

The Internet

Average Daily Time Spent on Social Media

Average Daily Time by Country

Cloud Computer

Marketing on Social Media Social Media Site – Active Users (in 2016)

Fastest Growing Social Media Sites

In 2016, 46.1% of the population has an

internet connection

In 1995, it was less than 1%

In 2016, the number of smartphone users has

reached 2.1 billion

88% of businesses with more than 100 employees use twitter for marketing purposes

Pinterest drives 25% of all retail website referral traffic

There are over 2.56 billion mobile social media users in 2017, equalling to 34% of penetration

Internet users grew by 10% in 2016, up 354 million compared to 2015

Instagram earns $595 million in mobile ad revenue last year

Facebook’s total revenue grew by 56% to $7 billion in 2016, and advertising revenue grew by 59% to $6.8 billion

Over 50 million businesses use Facebook business pages

YouTube

Facebook

Snapchat

Instagram

Twitter

40 minutes

35 minutes

25 minutes

15 minutes

1 minute

The Philippines – 4:17

Brazil – 3:43

Argentina – 3:32

Mexico – 3:32

United Arab Emirates – 3:24

Malaysia - 3:19

85% of enterprises use hybrid cloud, up from 82% in 2016

Private cloud adoption fell to 72% from 77%

Hybrid cloud adoption down to 67% from 71% year-over-year

Social Media Users Worldwide – 2.34 billion

Facebook – 1.94 billion

YouTube – 1.3 billion

Instagram – 600 million

LinkedIn – 467 million

Twitter – 328 million

Pinterest – 110 million

Google Plus – 11 million

46.1%

Vietnam

IndonesiaIndia

UAESaudi Arabia

As of 2016, 22.9% of the global population uses Facebook

Growth of social media

users by country year

on year (2015 to 2016)

Sources: http://www.internetlivestats.com/internet-users | https://www.statista.com/statistics/330695/number-of-smartphone-users-worldwide | https://www.statista.com/topics/1164/social-networks | https://fortunelords.com/youtube-statistics | https://www.statista.com/statistics/253577/number-of-monthly-active-instagram-users | https://www.linkedin.com/pulse/pinterest-2016-statistics-110million-monthly-users-ivonne-teoh | https://www.dreamgrow.com/top-15-most-popular-social-networking-sites | https://wearesocial.com/blog/2017/01/digital-in-2017-global-overview | http://www.socialmediatoday.com/marketing/how-much-time-do-people-spend-social-media-infographic | https://blogs.worldbank.org/publicsphere/files/publicsphere/1b.jpg | https://wearesocial-net.s3.amazonaws.com/uk/wp-content/uploads/sites/2/2017/01/Slide047.png | http://www.wordstream.com/blog/ws/2017/01/05/social-media-marketing-statistics | https://wearesocial.com/blog/2017/01/digital-in-2017-global-overview | http://www.wordstream.com/blog/ws/2017/01/05/social-media-marketing-statistics | http://www.rightscale.com/blog/cloud-industry-insights/cloud-computing-trends-2017-state-cloud-survey


Industry RecognitionWe value a company’s reputation within its particular industry. We therefore look for any evidence that the business has received professional acknowledgment – be it from national award schemes, relevant industry publications, accredited boards, and even client testimonials. Whilst we expect the business to have the necessary qualifications to carry out its services, we do keep an eye out for any extra recommendations or accredited certificates and/or training which separates the business from the crowd. Our judges also take notice of specific individuals within a company who may occupy impressive credentials and recognitions.

Sustainable DevelopmentSustainability is the key to the future of our planet, and the Corporate LiveWire judging panel are always on the lookout for businesses that place their environmental impact at the forefront of operation, and perhaps utilise some of the latest environmentally friendly innovations. However, sustainability is not just ‘being green’. We look for the deeper implementation of long-term sustainability plans to ensure that as the business grows and develops, it does so in an economical and healthy manner.

Marketing & BrandingGiven this category is crucial to the success of a business, we look carefully at the ways in which each company goes about marketing and branding itself. We look for evidence of an effective marketing strategy that is ready to evolve with a changing market or sector; we consider how succinctly a brand ethos or mission is conveyed to customers on a company website; and we look for originality within the brand in comparison to competitors. Our judges believe that a company is more than a logo and a tagline, so we assess how a company has conveyed its deeper philosophy to its clientele, and how well-known the business and its service is to others in the industry.

Employee SatisfactionThis category goes hand in hand with ethical practice. A business that places ethics and fairness at the forefront of its operation will not only acquire a loyal customer pool, but also guarantee a positive internal working environment where employees are happy, more efficient, more passionate, and committed to the company. We look for companies who regularly issue employee satisfaction surveys addressing topics such as workload, perceptions of management, and resources – thus showing a consistent interest in improving the working environment and employee concerns.

Development of New TechnologyWe are keen to acknowledge companies that have identified gaps in the market by developing new solutions to existing problems. Although this criterion predominantly relates to start-up companies, it can also be used in consideration for well-established companies that have utilised research and development to launch an innovative new product.

Improvement of Existing TechnologiesUnlike with the development of new technologies, this criterion looks specifically at companies that have improved or enhanced existing products or services. The Corporate LiveWire judging panel are particularly keen to monitor the performance of these new products, considering whether it is faster, more resilient, more cost-effective and more sustainable than existing models. This can include companies that have launched an updated model in a series of products such as the latest instalment of the Samsung Galaxy or Sony PlayStation. However, it can also refer to new entrants that have released a market leading product in a pre-existing industry.

Ethical PracticeAt the most basic level, it is the expectation of the Corporate LiveWire judging panel that a business runs ethically and makes a conscious effort to treat employees and other companies with the utmost respect. Establishing a positive working environment where all employees are treated fairly is the key to a creating a successful long-term business, developing a respected reputation within the industry, and gaining loyal customers. Ethics may require the rejection of a route that would lead to the biggest short-term profit; however, in the long run it is the most necessary attribute a business must exhibit in order to be successful and valued.

Service ExcellenceWhat can often distinguish a business from others providing a similar service is the way in which customers are dealt with. The Corporate LiveWire judging panel pay significant interest to the overall performance of a company in terms of satisfying its clientele. We look into what methods a business has implemented in order to achieve the highest level of customer service, in what ways the team go above and beyond a customer’s most basic expectations, and how this has positively impacted the overall productivity and reception of a company. We also take notice of whether a business monitors customer service quality with the view to make improvements.

HOW WE CHOOSE THE WINNERS


Based in Henley-in-Arden, Warwickshire, moneyinfo limited is a private fintech firm which specialises in client portals and mobile apps for the wealth management industry. The company are revolutionising the industry by working alongside some of the UK’s most exceptional advisory businesses including Saunderson House, Aon, Prydis Wealth, Andrews Gwynne, Citywide among others. With one single login, moneyinfo brings a client’s entire financial life including all of the associated documentation together. Furthermore, it is available on any device, regardless of the multiple investment platforms or back office systems being used by the advisor. Their software is designed to help wealth managers address the challenges of the 21st century with their own branded client portal and mobile app.

Using the programme, clients will benefit from around the clock access to their investments, savings, pensions, banking, credit cards, property, mortgages and insurances together with all of the associated paperwork. This means that advisors will have all of their clients’ finances beautifully brought together under their own brand, customised and white-labelled to meet the advisors’ corporate standards.

EXCELLENCE IN WEALTH MANAGEMENT SOLUTIONS

moneyinfo limited

The Corporate Livewire judges were particularly impressed with moneyinfo for their objective. The company aims to help advice firms take their propositions online and compete effectively against other digital emerging threats that aim to disintermediate professional advisors. This threat exists because, for some people, the cost of advice is too high and technology is the only solution to this problem. The answer is not to replace advisers with technology but to enable advisers to deliver advice to more people through the use of technology. When delivering advice, the majority of time is spent gathering data. This is the part clients dislike and they often fail to provide accurate information. Money info ensures clients have all their finances in one place.

Secure messaging with alerts makes collaboration between advisors and their clients secure and easy. Also, moneyinfo provides two-way document sharing, filing all reports and keeping documents safe. This removes the time and cost of producing and mailing paper reports for people and removes the pain of filing for them. Bank level encryption ensures data is kept safe and ‘view only’ technology means that no one can move or transfer money. This means that the client’s finances are always organised, safe and in one place, ready for them to access 24 hours a day.

www.moneyinfo.com+44 (0) 3303 600 300 [email protected]

The company aims to help advice firms take their propositions

online and compete effectively against other digital emerging

threats that aim to disintermediate professional advisors.

GLOBAL

Founded in 1989, the Information Security Forum (ISF) is a prestigious, Membership-based information security and consultancy organisation, serving as the leading authority on matters of cybersecurity, information security and risk management. The firm’s independent not-for-profit status affords it the capability to be entirely impartial with its assessments and consultations, finding the best security solutions to meet its clients’ needs, rather than those sponsored by the firm itself. It counts many of the world’s leading organisations amongst its clientele, including many featured on the Fortune 500 and Forbes 2000 lists.

The ISF is dedicated to investigating, clarifying and resolving key issues in information security and risk management, maintaining a vigilant stance to ensure that the company is always able to keep pace and (where possible) through the Threat Horizon report, pre-empt rapid developments in technology which can create security concerns. By developing best practice methodologies, processes and solutions, the ISF is able to meet the business needs of their Members. Recently, the ISF recognised a growing demand for professional support by Members and introduced ISF Consultancy Services, which provide Members and non-Members with independent and objective guidance and training using their suite of research and tools. Where

EXCELLENCE IN CYBER SECURITY SERVICES

Information Security Forum Limited

organisations lack the time, resources, or in-house expertise, ISF Consultancy Services support global business leaders and information security professionals to build and embed cyber resilience in their organisation.

In the nearly three decades since the formation of the ISF, the concerns and day-to-day security needs of businesses have changed rapidly. The Corporate LiveWire judging panel was particularly impressed by how the ISF have enhanced their services and methodologies to meet current and developing cyber challenges head-on, adapting to emergent technology and improving their internal research and development capabilities to greater serve their Members. Drawing on the skillsets of experienced professionals, the ISF provides the resources needed to deliver and implement world-class service in a timely manner. Straightforward and simple to follow, the tools and methods implemented by the ISF can address a wide range of challenges – whether they be strategic, compliance-driven or process-related.

The ISF’s core consultancy services consist of The Standard of Good Practice, ISF Benchmark, Information Risk Assessment Methodology 2 (IRAM2), and The EU General Data Protection Regulation (GDPR) Guide to name a few.

www.securityforum.org+44 (0) 203 875 6868 [email protected]

The Corporate LiveWire judging panel was particularly impressed

by how the ISF have enhanced their services and methodologies to meet current and developing cyber

challenges head-on, adapting to emergent technology and improving

their internal research and development capabilities to greater

serve their Members.

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Medical LiveWire Expert Guides are available on all platforms. Access everything from our latest publication to our archived collection through your computer, laptop, tablet

or smart phone. It’s as easy as one click of the button or a tap of the screen.


Chief Executive OfficerOsmaan Mahmood

Managing DirectorAndrew Walsh

Research ManagersDavid Bateson

Chris Barry

Editor-in-ChiefJames Drakeford

Art DirectorTimothy Nordan

Senior DesignerDan Harvell

Senior WriterRichard Hobson

Publishing DivisionJake Powers

John Hart

John Peterson

Awards DirectorsKevin Norden

Benjamin Pugh

Rupert Hemingway

Max Bond

Awards DirectorsClint Stevens

Marketing Development ManagerDilan Parbat

Marketing AssistantSaadia Sharif

Awards CoordinatorsRoxana Moroianu

Alan Davis

Awards CoordinatorsRoy Johnson

Administration ManagersJenny Njuki

Data AdministratorsDan Kells

Tom Wisniewski

Ryan Winwood

Habeebah Zabair

Account ManagersNorman Lee

Rocky Singh

Kerry Payne

Michael Barker

Vinny Bindra

Head of FinanceJoseph Richmond

Senior Credit ControllerMichael Atkinson

Credit ControllersShad Rahman

Jack Speed

Ben McPhillips

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Acknowledgements

44 Technology Awards 2017/18

Documents

Technology Awards 2017/18 1 - Information Security Forum · 8 Technology Awards 2017/18 Technology Awards 2017/18 9 13 years on from its initial set-up, Kiva is involved in humanitarian