Convergence: Global Unification of Cash Management, Trade Services, Supply Chain, and FX Bank customers are looking for new revenue opportunities globally and new ways to help create competitive advantage, while reducing risks and minimizing costs. With customers expanding into new markets and building new business relationships, banks need to focus on globalization. Convergence of cash management, trade finance, supply chain, and foreign exchange can help meet customers' growing needs. Read more to learn how banks are working to make convergence a reality. Also in this issue • New Edition of Getting to Know Mobile Banking and Payments • S1's Mobile Money • Events in Review • S1 Corporation Reports Third Quarter 2011 Financial Results • New Whitepaper: Reaching the Global Online Treasury User: Six Strategic Initiatives Greenwich Market Pulse on Small and Mid-Sized Businesses The market pulse is an ongoing study that is conducted 6 to 8 times a year to address small ($1mm–$10mm) and mid-sized ($10mm–$500mm) businesses' perception of credit, cash flow, preferred channels, and mobile banking. Read on to learn more about the issues facing small and mid-sized company executives. S1 Online Banking Release 3.7 Refresh 4 Now Generally Available The latest release of S1 Online Banking 3.7 provides expanded self-service functionality to both consumers and small businesses. Its features, such as an innovative person-to-person offering, help create potential revenue streams and cost savings for financial institutions. Read on to learn more about the latest release. S1 is a trademark of S1 Corporation or its affiliates. All other registered or unregistered trademarks and service marks are properties of their respective companies and should be treated as such.