Unlike credit scoring systems (like Fico) that can't see the layer of activity below credit card and loan payments, Fiserv tracks consumer accounts, debit card payments and online bill-pay habits.

FORBES: Global 2000

Functional-imaging studies of the brain have revealed another tantalizing clue: During the aura phase, a wave of electrical activity sweeps over the outer, furrowed layer of the brain known as the cortex, at a pace of 2 to 3 millimeters per minute.

WSJ: Stopping a Migraine Before It Starts

Sharing, this common human activity, provides worthwhile insights into the interests and desires of those who are exchanging information and creates a new layer of value in the worlds of online publishing and advertising.

FORBES: How Sharing Will Transform Online Advertising