U.S. consumers and businesses control some $27 trillion in financial assets. The electronic commerce (EC) industry is counting on this reservoir of wealth to provide the raw materials necessary to buy, sell, invest and lend on the Internet. There is just one problem: Most of these assets are locked away, deep within financial institutions. Without an easy way to electronically access, analyze and

manipulate these assets, the EC industry will be deprived of its lifeblood, unable to fuel the engines of commerce.

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