The document discusses a unified multi-purpose transaction card that aims to consolidate multiple cards into one card using patented dynamic magnetic stripe technology. It targets existing credit cardholders in Singapore in the first year and expanding worldwide thereafter, with over 1.4 billion existing cards and 13% annual growth in the Asia Pacific region. The technology faces competition from cash, credit cards, and pay-per-touch cards but projects increasing revenue and income over five years as it expands operations internationally through 2009 and beyond.