The first year of the new millennium was not characterized by system failures, brown-outs and cash-starved consumers looting stores, as the Y2K-phobes predicted. Instead, those in financial technology circles could reasonably dub 2000 The Year of The Hyphen.

It has after all been the year of B-to-B versus B-to-C, not to mention B-to-E and B-to-A; the year of P-to-P and some P-to-B; plus m- this, t-that and e-everything else.

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