New Beem It CEO kicks off plan for national Aussie rewards program

eftpos today announced seasoned digital executive Mark Britt has joined the eftpos team as CEO of Beem It, hitting the ground with plans for a new national rewards platform for Australian consumers, which aims to take the Aussie-grown mobile wallet to the next level.

Mr Britt’s vision for the business is to extend the digital wallet experience into the physical world.  While further details will be announced in the coming months, it can be revealed Beem It will soon enable discounts and offers, an all-in-one loyalty wallet, gamified social rewards, promotions supporting local businesses, and more.

eftpos through Beem It, has plans to build an Australian digital marketplace that aims to deliver on the unique needs of Australian consumers and merchants, and flourish through facilitating exceptional customer experiences.

eftpos CEO Stephen Benton said in addition to taking the job as Beem It CEO, Mr Britt would also lead eftpos’ new ventures business to drive commercial outcomes across the wider eftpos Group of businesses, including responsibility for its Digital Identity solution, connectID.

“Mark embraces the start-up mindset required to deliver the necessary speed to market and intensity of meeting customer needs. Which is critical as the eftpos Group has big aspirations for Beem It, both in terms of the role it will play in Australia as the lifestyle app for all Australians and for the eftpos Group broadly to progressively cover new ventures for the Group.

“Beem It, along with other eftpos assets such as connectID, will be utilised to create compelling innovations within a local ecosystem for consumers, Fintechs, merchants and banks to enhance digital commerce while leveraging existing industry investments to help compete with Big Tech,” Mr Benton said.

Former CEO of Nine Digital and spearheading Microsoft’s Consumer and Online business for the Asia Pacific region as General Manager, Mark also co-founded iflix, a video streaming service across Asia.

Mr Britt said he was looking forward to leading Beem It which is poised to embrace the take up of the use of digital wallets, as well as launch promotions supporting local businesses and each other. 

“Beem It already has a loyal user base of over 1.4 million Australian members, with over 200 million social connections between them, so there is a great opporuntity to make Beem It available to more people with more services and features, whilst creating an Australian digital marketplace focused on delivering value for all users,” Mr Britt said.

“Australians are already using digital wallets to pay for everyday expenses and eftpos recognises the key growth opportunities are linked to how the value-added services that wrap around the digitised payment are achieved.” 

In addition to previous roles at Ninemsn, PWC and representation on several Boards and charity organisations, Mark brings great consumer insights and deep experience in digital strategy, both building and leading successful tech businesses across the APAC region.

eftpos has an agnostic approach to mobile payments. eftpos mobile transactions grew more than 400% year on year in May 2021 across all supported mobile ecosystems and from April to May 2021 alone, there was 13% growth in eftpos mobile transactions.

Mobile and digital wallets are an important part of eftpos’ mobile strategy and with the continued rise of digital wallets and in store mobile initiated transactions as the most common types of contactless forms of paying.  

eftpos purchased Beem It in November 2020, which was the logical move as a trusted Australian payments brand that has access to hundreds of thousands of Australian merchants, millions of consumers and is quickly moving into digital payments.

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26-07-2021
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eftpos report provides pathway to stronger FinTech collaboration and innovation

eftpos has released a report in collaboration with FinTech Australia, delivering ten recommendations outlining how Australian FinTechs can best leverage the eftpos digital roadmap and API programs, and work in partnership for the betterment of Australia’s digital economy.

Representatives from ten leading FinTech businesses along with eftpos, developed the set of recommendations to streamline access to the eftpos network and to safeguard Australia’s domestic cards payment infrastructure to achieve the competition, innovation and productivity sought by the Australian FinTech community.
eftpos’ Chief Information Officer and Committee Chair, Ben Tabell said the Committee provided invaluable insights and feedback at a time when the company was rapidly expanding in the digital space.

“Enabling Australian FinTechs a direct avenue to discuss how they partner and collaborate to access the eftpos payments network through the Committee resulted in recommendations that covered a number of central themes, including consultation and engagement, regulation, and technology and solutions,” Mr Tabell said.

“Through our ongoing collaboration we expect eftpos can build on its efforts to make it easier for Australian FinTechs to access the eftpos network and our products and services, in order to build their own businesses and payment experiences that can work across a broad range of connected devices in the digital economy.” 

“FinTechs are a dynamic and growing sector of our economy, and of crucial importance in the payments space. eftpos is proud to be a market leader in developing digital payments solutions in collaboration with Australian FinTechs, with one example our card-linked offers loyalty solution with Verrency,” Mr Tabell said.

CEO of Paypa Plane and Chair of FinTech Australia, Simone Joyce said the eftpos FinTech Advisory Committee enabled productive, honest and fruitful discussions, resulting in a suite of insightful recommendations.

“It was inspiring to see representatives from the Fintech Community come together as part of the eftpos Fintech Advisory committee with a common set of goals in mind - including supporting a digitally-enabled future for payment systems and creating an accessible, competitive and collaborative innovation environment," Ms Joyce said.

Report recommendations included continuation of the Committee for another 12 months to deepen relationships and the exchange of ideas, closer engagement in the drafting of new eftpos rules for both traditional processing and new eftpos businesses, and exploring options to streamline sponsorship arrangements to enable better access for FinTechs.

Additional recommendations in the report include exploring existing and emerging technologies to create new digitised mobile initiated payment experiences, establishing dedicated eftpos relationship managers for FinTech partners and consultation with the Committee on future eftpos API strategy planning and the eftpos Board regarding key recommendations.

The following ten leading FinTech companies joined the eftpos FinTech Advisory Committee, meeting over five months and whose collective contributions helped create the initial report.

Assembly Payments Azupay Bleu Ezypay Meeco
Monoova Paypa Plane POLi Sniip Verrency

 

Download the eftpos Fintech Advisory Committee Report July 2021 here

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Fintech
20-07-2021
FINTECH

eftpos’ digital identity solution connectID is now live

The eftpos Group today announced that its new digital identity solution business, connectID, is now live and running as a standalone FinTech and fully owned eftpos subsidiary.

eftpos began its new digital identity solution mid last year, aiming to make it easier for Australians to share, store and receive personal identity information online.

As part of the move, eftpos also revealed it was working with SecureKey to develop the technology. SecureKey is a leading global identity and authentication company that has a proven track record in comparable markets such as Canada.

eftpos CEO Stephen Benton said with connectID going live, the focus was now on expanding the range of partner organisations and applications while harnessing synergies and capabilities across the eftpos Group of businesses.

“For the connectID business to keep advancing and growing, it needs to keep running like a nimble FinTech at an operational level to pursue its goal of creating a national identity infrastructure for all Australians,” Mr Benton said.

“connectID is collaboratively working with governments, businesses, online merchants, banks and other identity providers with a view to building identity into our national payments infrastructure, as well as other commercial applications for all Australians and Australian businesses.”

eftpos’ connectID is a ‘broker’ between identity providers, organisations that securely hold identity data on behalf of their customers, and merchants or government departments that need to verify who they are dealing with or receive identity information that they can trust. eftpos is uniquely placed to offer this service, particularly for interactions requiring a payment.

Rob Allen, eftpos Entrepreneur in Residence, has spearheaded the connectID initiative since the beginning said we are bringing that same trusted capability that eftpos has in payments into identity, by building and subsequently operating national digital identity infrastructure.

“In Australia there is a real need to facilitate identity verification methods to help reduce the instances of fraud and identity theft, and improve ‘digital trust’ between customers and vendors. We aim to seamlessly combine identity and payments transactions within the same flow and create even better customer experiences,” Mr Allen said.

Greg Wolfond, founder and CEO of SecureKey, said he was thrilled its technology was being integrated by eftpos to power its connectID service in Australia.

“As digital identity standards and ecosystems rapidly develop and evolve, ensuring the security of users’ information while enabling the convenience of this technology remains a top priority. eftpos in Australia and the industry in Canada, have both demonstrated a particularly strong appetite for its widespread use as the two economies emerge from the global pandemic,” Mr Wolfond said.

While connectID securely facilitates the identity verification or data exchange, it does not store the identity data. Identity service providers store consumer identities and take responsibility for providing this secure information only under the consent of the identity owner.

connectID has applied to become the first non-government accredited operator of a digital identity exchange in Australia. As interoperability is key to the connectID solution, it is designed to work within the Federal Government’s Trusted Digital Identity Framework (TDIF) and the financial industry’s TrustID framework, as well as emerging international standards in distributed digital identity credentials.

 

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24-06-2021
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Beem It builds eftpos national QR code payments utility

eftpos today announced that its subsidiary, Beem It, had been selected to build the company’s national QR code utility – starting immediately.

The new QR code payments capability, which will be offered by eftpos, is expected to be in market as early as July 2021, with multiple merchants in trial.

eftpos CEO Stephen Benton said that following a global tender process, eftpos selected Beem It to build the QR code utility because of its previous experience with QR codes in the Australian market, the strength of its team and its familiarity with the eftpos network.

“It was great that we have the right expertise to build the new QR payments utility inside the Beem It team and we can get to work right away,” Mr Benton said.

“This is an important build because eftpos QR will provide Australian consumers and merchants with better data-rich payments experiences no matter where they choose to shop – online, on their mobile or at the checkout.

“The time is right because Australians are now very familiar with using QR codes for activities like COVID-19 check ins, and they are increasingly turning to new ways of shopping in the digital environment.”

eftpos purchased Beem It, the Australian payments App that enables consumers to send and receive money using their phone in seconds, in November 2020 to help diversify the business and move further into the digital ecosystem.

eftpos and Beem It are designing the new national QR code utility to be low cost and to facilitate many value adds for merchants and consumers such as loyalty, offers and receipts. The national rollout is expected to be completed in 2022.

Merchants and consumers will connect to the utility using a unique QR code presented by Merchants.

This enables consumers to initiate and transact securely with their preferred digital wallet. This innovative multi-interaction connectivity creates a new experience beyond payments, powered by eftpos emerging APIs.

Beem It Acting CEO Ciaran Forde said the build was an exciting opportunity for Beem It because eftpos QR orchestration would help Australian merchants create better experiences for their customers and potentially reduce costs.

“The opportunity to build out a piece of infrastructure that has the ability to fundamentally change how payments are made in Australia is an exciting one.” Mr Forde said. “Beem It’s app enabled a new way to pay and get paid, and we look forward to taking that approach to the world of merchant payments where there is immense undiscovered value for consumers and merchants.”

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13-05-2021
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New eftpos anti-fraud tools aim to make Aussie merchants and consumers more secure online

eftpos is scheduled to launch two new eCommerce anti-fraud tools later this year, aimed at helping Australians make more secure payments online.

eftpos CEO Stephen Benton said with more Australians moving their everyday spending into the digital economy, eftpos was rolling out the eCommerce capabilities to help drive competition, provide choice and enhance online payments security.

Mr Benton said an important part of this rollout was the introduction of two new anti-fraud capabilities by the beginning of November 2021:

  • Network Fraud Scoring – to help financial institutions assess the risk associated with individual transactions.
  • eftpos Secure (EMV 3-D Secure) – two-factor authentication for consumers, which helps reduce risk for both consumers and merchants.

These new anti-fraud tools have been in development for several years and follow the earlier introduction of enhanced security and fraud services from eftpos, including the eftpos Tokenisation service in 2016 and the upgraded Disputes and Chargebacks platform in 2017.

“The introduction of these new anti-fraud services means we can extend eftpos payment options for consumers and merchants into higher risk categories of the online payments environments with confidence, and keep driving competition in this space,” Mr Benton said.

“This is a vital step in opening-up online payment options and not repeating the mistakes of the past when eCommerce card payments were first rolled out by others, particularly at a time when more Australians are relying on the digital economy for their everyday spending.”

The vast majority (84%*) of reported card fraud in Australia occurs in the online environment. eftpos’ current eCommerce card-on-file solution has experienced zero fraud because of the low-risk approach taken to minimise risk across the ecosystem.

Mr Benton said eftpos had taken a cautious approach to its entry into eCommerce, with the new anti-fraud tools and capabilities being in development for the past few years.

“The introduction of these enhanced anti-fraud tools completes the market-wide enablement of omni-channel processing support for purchase transactions. This allows eftpos to support transformational digital commerce experiences for all Australians,” Mr Benton said.

eftpos launched its first eCommerce service in August last year for Australian businesses that accept recurring card-on-file transactions from their customers. eftpos has also upgraded its network to support Deposit & Withdrawal messages, enabling secure and low-cost real-time transfer of funds for person-to-person (P2P) payments, Business-to-Consumer (B2C) and Government-to-Consumer (G2C) disbursements.

*AusPayNet Fraud Report 2020

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23-03-2021
Fraud

eftpos new brand logo

eftpos, Australia’s national payments network enabling real time debit payments across the country, today unveiled a new-look logo and brand refresh to better reflect the brands digital transformation.

The new logo and fresh brand colours follow the announcement of the eftpos digital product and technology strategy rollout over the next two years, which aims to make it easier for Australians to manage their own money and live a better life in the digital world.

eftpos CEO, Stephen Benton said eftpos wanted to create a bold and distinctive look and feel across every touch point – in store, on mobile and across all digital platforms – that appealed to all Australians including Millennials who are embracing the digital economy.

Mr Benton said eftpos is synonymous with low cost debit card payments across Australia, so it was vital the company developed a new brand identity that was still unmistakably recognised as eftpos, no matter where people shopped or what device they used.

“We want Australians to know that our company is evolving alongside them, and our goal was to convey simplicity and modernity while preserving our distinctly Australian heritage,” Mr Benton said.

“The trust, convenience and security they have come to know when using eftpos remains, and at the same time we are innovating and advancing for the future.”

“This brand refresh is a key component of our much broader digital payments strategy, focussed on creating greater value, ease and security for consumers and businesses by enabling compelling innovations for members, FinTechs and retailers that enhance the digital commerce experience.”

Mr Benton said one of the changes was to transform the eftpos ‘e’ into a dynamic, energetic visual cue to emphasise a fresh, distinctive and meaningful representation of the way Australians live their busy lives.

The refresh was spearheaded by multi-award winning branding and design agency Hulsbosch, renowned for developing visual identities for many of Australia’s iconic brands.

Jaid Hulsbosch, Director at Hulsbosch said “This iconic Australian brand is back with a defined brand story and a stand-out, relevant symbol. A vibrant upgrade in colour and an evolved, stylised ‘digital e’ now perfectly represents the brand and its exciting future.”

Mr Benton said the new brand rollout would be a staged roll out due to the brand’s extensive presence, with over 50 million cards to be updated along with hundreds of thousands of eftpos acceptance marks displayed by merchants across Australia.

“eftpos is one of Australia’s most iconic brands, and we were careful and thoughtful about how we needed to evolve it for the future,” Mr Benton explained.

“Extensive market research and consumer feedback from pre-launch testing has been extremely positive, confirming the new brand retains all the elements they uniquely associate with eftpos as a humble Australian innovator doing good for Australia,” Mr Benton said.

“Extensive market research and consumer feedback from pre-launch testing has been extremely positive, confirming the new brand retains all the elements they uniquely associate with eftpos as a humble Australian innovator doing good for Australia,” Mr Benton said.

new eftpos logo
15-03-2021
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eftpos low cost, real time payment transfers

eftpos today announced the launch of a new digital payments capability which aims to boost productivity for Australian businesses by enabling funds to be both deposited or withdrawn from an account in real time.

The new Deposit and Withdrawal messaging capability is live and available with payments app Beem It the first to launch using the message set, which could also be used for a range of productivity-boosting peer-to-peer or business-to-consumer use cases such as insurance payouts, government disbursements, rebates or instant payroll.

eftpos CEO Stephen Benton said the new capability could significantly enhance productivity for many businesses by replacing manual processes with real time transfer of funds between parties, while also providing enhanced transparency and controls.

He said the new Deposit and Withdrawal message set was an excellent example of innovating on top of the eftpos card infrastructure and Beem It was the logical first choice for launch, by facilitating real-time transfer of funds for its peer-to-peer (P2P) transactions.

“Many Australian businesses have the potential to benefit from these alternative low cost and real time payments which enable the secure deposit or deduction of funds from a cardholder’s account,” Mr Benton said.

“This capability is good for Australia because it aims to boost productivity by automating the manual and cost inefficient transfer of funds, using eftpos’ existing and trusted Australian card network with access to hundreds of thousands of Australian merchants and millions of consumers.

“Deposit and Withdrawal allows Beem It to use eftpos on the end-to-end P2P transaction between Australian multi-network debit cardholders – initiating the payment from the payer’s bank account, and depositing the funds to the payee’s bank account in seconds.”

eftpos purchased Beem It November last year, having acquired the Australian payments app that enables consumers to send and receive money using their phone in seconds, so the company could further advance the Beem It business and expand in the use of digital wallets as a whole in Australia.

Mr Benton said as Australians increasingly digitalise their transactions, we have a great opportunity to harness a more sophisticated funds transfer process, enabling local banks and businesses to offer a broader range of payments capabilities and provide a better digital alternative to the previously used ‘reverse’ eftpos.

“Deposit and Withdrawal capability opens up lots of new use cases and business opportunities such as peer to peer transfers, third party payment initiated withdrawals, insurance payouts, payroll disbursement, rebates including medical and other government rebates, loyalty cashback, wallet funding, gift card loading and newsagency lottery payouts, just to name a few,” Mr Benton said.

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26-02-2021
ecommerce

eftpos low cost national QR code payments network rollout

eftpos today announced details for a national QR code payments network rollout, which aims to provide Australian consumers and merchants with better data-rich payments experiences no matter where they choose to shop – online, on their mobile or at the checkout.

eftpos aims to have the QR code payments network in trial by mid-year, designed to be low cost and facilitate many value added opportunities for merchants and consumers. It is intended to seamlessly link loyalty, offers, receipts and more, while also driving deeper customer engagement. The national rollout is expected to be completed in 2022.

eftpos CEO Stephen Benton said the decision to rollout national eftpos QR code payments network comes at a time when Australians are becoming familiar with QR code technology through daily interactions with COVID19 check ins and increasingly turning to digital shopping.

Mr Benton said the rollout was about re-imagining the Australian payment experience, while businesses are looking to new digital innovations to improve efficiency and create better customer experiences.

“Digital transactions enabled through the national QR code payments network aim to elevate and enrich the consumer payment experience while driving growth for local businesses,” Mr Benton said.

“Initiating secure purchase transactions using a consumers’ preferred digital wallet unlocks a wealth of extra benefits that will transform the way Australians choose to pay.”

Mr Benton added as part of eftpos’ strategy driving digital competition in Australia, the technology allows merchants to grow their digital sales with low cost QR acceptance using enriched data and integrated customer loyalty services, by leveraging eftpos’ robust and secure Australian owned network infrastructure.

It works by generating unique QR codes containing transaction details that are captured on a consumer’s mobile phone, initiating a secure digital wallet payment that is seamlessly integrated with the merchant’s loyalty service provider.

“The QR code payments network will enable local home-grown innovation by connecting numerous APIs, consumer digital wallets, and supporting technologies on top of the existing eftpos network rails, providing choice and potential cost savings for local businesses,” Mr Benton said.

eftpos QR network
25-02-2021
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eftpos launches advisory committee to give FinTech a voice

eftpos has launched a FinTech advisory committee in collaboration with FinTech Australia, as a way of giving FinTechs a direct say in how they can access and leverage the eftpos payments network for the betterment of Australia’s digital economy.

Seven leading FinTech companies have joined the committee which will involve a series of workshops to be held every month starting in February, focusing on the eftpos digital roadmap and API programs.

As a result, representatives from the following businesses will now join eftpos to explore ways to streamline access to its network, with recommendations to be submitted to the company by mid-year:

  • Assembly Payments
  • Azupay
  • Bleuco
  • Meeco
  • Monoova
  • Paypa Plane
  • Verrency

eftpos CEO Stephen Benton said the idea for the committee arose from ongoing discussions with the team at FinTech Australia, at a time when the company was rapidly expanding in the digital space.

“The aim of the committee is to advise eftpos on ways we can build on our efforts to make it easier for FinTechs to access the eftpos network and our products and services, in order to build their own businesses and payment experiences that can work across a broad range of connected devices in the digital economy,” Mr Benton said.

“We are delighted with the response we got, and would like to thank every new committee member for agreeing to collaborate with us on this important initiative.

“FinTechs are a dynamic and growing sector of our economy, and of crucial importance in the payments space. There are significant opportunities for FinTechs on the eftpos network, which includes access to 51 million Australian eftpos-enabled proprietary, multi-network debit and multi-network credit cards, as well as hundreds and thousands of merchants.,” Mr Benton added.

FinTechs will also be able to leverage eftpos’ digital product and technology strategy, which is being rolled out over the next two years. Much of the work is well under way, focusing around the five key elements of: mobile wallets; eCommerce; Digital ID; APIs and FinTech access; and national QR code payments rollout.

Chair of FinTech Australia and CEO/Co-Founder of Paypa Plane Simone Joyce said the eftpos FinTech advisory committee brings to together some of the most innovative thinkers involved in FinTech in Australia.

“I am looking forward to working with the committee on solutions that leverage the critical infrastructure of the eftpos network to drive positive outcomes for merchants and consumers," Ms Joyce said.

Fintech
23-02-2021
FINTECH

Australia’s eftpos joins Hedera Governing Council

eftpos today announced it has joined the Hedera Governing Council and will run the country’s first Hedera network node this year.

Designed to be the most decentralised governance model for a public ledger, the Hedera Governing Council includes a group of highly diversified enterprises and organisations overseeing a global network of nodes that aims, among other things, to enable low cost micropayments for a range of use cases such as the Internet of Things (IOT) and access to content streamed over the internet.

eftpos CEO, Stephen Benton, said eftpos joined the Council after a number of successful proofs of concept last year, and it aimed to enhance the company’s digital payments innovation strategy to better meet Australians’ payment needs into the future.

“By joining the Hedera Governing Council and running the Australian node, alongside some of the world’s largest and most influential companies, we are excited to participate in the development of next-generation micropayments technology that has the potential to open up entirely new ways of conducting business for Australian enterprises and enable compelling new experiences for Australian consumers.

“For example, in a world of fast paced technology change, low cost micropayments to pay for internet content or tiny payments for device to device transactions.”

The eftpos digital strategy was devised with an Australian focus, creating world-class innovations to compete with global payments players. The digital strategy has five key elements:

  • Mobile Wallets including Beem It
  • eCommerce Digital identity, using connectID
  • Fintech ecosystem access National QR code payments rollout.

The initial objective of the micropayments proof of concepts, led by eftpos Entrepreneur in Residence, Rob Allen, was to investigate ways to create a seamless, sub-cent micropayments experience as an alternative to traditional online paywalls and subscriptions in the digital world.

“By combining the new eftpos API infrastructure with a consumer wallet-based experience, digital identity, and an AUD-based stablecoin using Hedera’s superfast, secure and low-cost distributed network, the PoC’s objective was demonstrably achieved,” Mr Allen said.

“Use cases like this simply are not possible on other public blockchains. Along with several partners, we are now exploring a variety of use cases that this combination of technologies enables and the options to commercialise them.

“Being on the Hedera Governing Council will provide us with the combined technical insight of all the Council members as well as a unique global perspective to improve our speed to market.”

Mance Harmon, CEO and co-founder of Hedera Hashgraph, said, “As Australia’s debit card system operator, eftpos is a critical component of the country’s financial infrastructure, processing over 2 billion transactions in 2020 worth an average of more than $300 million each day. We are pleased that they have joined the Hedera Governing Council as part of their new Australia-first digital product strategy. We look forward to their collaboration with other Council members and participants of the Hedera ecosystem to help make micropayments and other innovative financial models a reality for millions of consumers and billions of IOT devices.”

As the 17th Council member, eftpos joins a growing network of large enterprises, including Avery Dennison, Boeing, Dentons, Deutsche Telekom, DLA Piper, FIS (WorldPay), Google, IBM, LG Electronics, Magalu, Nomura, Swirlds, Tata Communications, University College London (UCL), Wipro, and Zain Group.

Members of the Hedera Governing Council are responsible for running the initial nodes of the Hedera network, as well as guiding both strategy and software development, over a maximum of two consecutive three-year terms.

This contributes to stability and is conducive to maintaining diversity and decentralisation of the public network. Hedera Hashgraph’s node policy and codebase are undergoing continuous updates, to which Council members will contribute, supporting a governance model that eliminates the risk of forks, provides safeguards for users, and preserve the integrity of the Hedera network.

For more information, visit https://hedera.com/council.

About Hedera

Hedera Hashgraph is a decentralised public network on which developers can build secure, fair applications with near real-time finality. The platform is owned and governed by a council of the world’s leading organisations including Avery Dennison, Boeing, Dentons, Deutsche Telekom, DLA Piper, eftpos, FIS (WorldPay), Google, IBM, LG Electronics, Magalu, Nomura, Swirlds, Tata Communications, University College London (UCL), Wipro, and Zain Group.

For more information, visit www.hedera.com, or follow us on Twitter at @hashgraph, Telegram at t.me/hederahashgraph, or Discord at www.hedera.com/discord. The Hedera whitepaper can be found at www.hedera.com/whitepaper.

Hedera
28-01-2021
Hedra