,h4 ,,res4 #hce  ,9 ! ,h\se (           
,repres5tatives1 ,u4 ,s41  ,septemb]    
#ab1 #bjaf  ,,resolution  ,:]eas        
te*nology solutions h ! pot5tial to     
improve consum]s' ability to control _! 
economic well-be+1 to enc\rage _!       
f9ancial lit]acy1 & improve _! k base & 
increase _! options to manage _! f9ances
 & engage 9 comm]ce2 ,:]eas new paym5t  
me?ods & new paym5t /rategies reflect   
new comm]cial opportunities2 ,:]eas !   
,unit$ ,/ates is ! _w lead] 9 s(tw>e    
developm5t & te*nology creation2 ,:]eas 
f9ancial te*nology is creat+ new        
opportunities = ! #bd1hjj1jjj und]bank$ 
h\seholds 9 ! ,unit$ ,/ates2 ,:]eas !   
gr[? ( consum]s' use ( mobile devices & 
! deploym5t ( broadb& access has        
support$ ! gr[? ( f9ancial te*nology    
products & s]vices outside ( traditional
 products & s]vices (f]$ by banks & o!r 
f9ancial in/itutions 9 ! ,unit$ ,/ates  
increas+ comm]ce & job gr[?2 ,:]eas     
id5tity !ft is a ris+ conc]n = p 9 !    
,unit$ ,/ates z _! p]sonal in=mation is 

t>get$ by crim9al ent]prises =          
monetization on ! black m>ket2 ,:]eas   
cyb]attacks aga9/ dome/ic & int]national
 f9ancial in/itutions & coop]atives     
cont9ue2 ,:]eas em]g+ paym5t options1   
includ+ alt]native non-fiat curr5cies1  
are lev]ag+ te*nology to improve        
security ?r\gh increas$ transp>5cy &    
v]ifiable tru/ me*anisms to supplant    
decades old paym5t te*nology deploy$ by 
traditional f9ancial in/itutions2 &     
,:]eas block*a9 te*nology ) !           
appropriate protections has ! pot5tial  
to fundam5tally *ange ! mann] 9 :i* tru/
 & security are e/abli%$ 9 onl9e        
transactions ?r\gh v>i\s pot5tial       
applications 9 sectors includ+ f9ancial 
s]vices1 paym5ts1 heal? c>e1 en]gy1     
prop]ty managem5t1 & intellectual       
prop]ty managem5t3 ,n[1 !re=e1 be x ,t x
 is ! s5se ( ! ,h\se ( ,repres5tatives  
t--  7#a7 ! ,unit$ ,/ates %\ld develop a
 national policy to enc\rage !          
developm5t ( tools = consum]s to le>n & 
protect _! assets 9 a way t maximizes ! 

promise cu/omiz$1 connect$ devices hold 
to emp[] consum]s1 fo/] future economic 
gr[?1 create new comm]ce & new m>kets2  
7#b7 ! ,unit$ ,/ates %\ld prioritize    
accel]at+ ! developm5t ( alt]native     
te*nologies t support transp>5cy1       
security1 & au!ntication 9 a way t      
recognizes _! b5efits1 all[s = future   
innovation1 & responsibly protects      
consum]s' p]sonal in=mation2  7#c7 !    
,unit$ ,/ates %\ld recognize t te*nology
 exp]ts c play an important role 9 !    
future developm5t ( consum]-fac+        
te*nology applications = manufactur+1   
automobiles1 telecommunications1 t\rism1
 heal? c>e1 en]gy1 & g5]al comm]ce2     
7#d7 ! ,unit$ ,/ates %\ld support fur!r 
innovation1 & economic gr[?1 & ensure   
cyb]security1 & ! protection ( consum]  
privacy2 &  7#e7 innovators 9 te*nology1
 manufactur+1 automobiles1              
telecommunications1 t\rism1 heal? c>e1 &
 en]gy indu/ries %\ld commit to improv+ 
! quality ( life = future g5]ations by  
develop+ safe & consum] protective1 new 

te*nology aim$ at improv+ consum]s'     
access to comm]ce4  ,cl]k4