The Most Trusted Identity and Access Management Service Companies by The Enterprise World

WWW.THEENTERPRISEWORLD.COM | AMERICA EDITION | DECEMBER 2021

The Future of Enterprise Security

Keeping The American Dream Alive With Flexible Rent

The Most TRUSTED IDENTITY AND ACCESS MANAGEMENT SERVICE

Companies

Deﬁning Identity Management and System Security!

From Editor’s Desk “If you spend more time on coffee than on IT security, you will be hacked. What’s more, you deserve to be hacked.” — Richard Clarke, White House Cybersecurity Advisor, 1992-2003

dentity and Access Management constitutes a major part of a company’s security. As data and information are the currency of this digital era, thus, keeping it safe and secure has to be the top priority. As companies move towards a new era, where remote working has exponentially increased, raising the concerns for data security and precise identity management. This issue of The Enterprise World, The Most Trusted Identity and Access Management Service Companies features some of the leading names in the Identity and Access Management industry. These companies have withered through every challenge, and have established themselves as the best and most trusted brands in the space. They are leading the innovation curve, and offer sought-after services which are reliable and foolproof. Featured on the cover story is Identity Management Institute (IMI). IMI is a globally recognized identity risk management training and certification organization that serves IT security, identity, and data protection professionals worldwide. IMI (Identity Management Institute) has established itself as a pioneer and foremost name in the Identity and Access Management (IdM) industry. The organization was founded in 2007 by Henry Bagdasarian, a leading expert in technology risk management, audit, and security who recognized the growing IAM risks as companies moved their infrastructure, platforms, and data to the cloud allowed BYOD and subscribed to various SaaS applications. In an insightful and engrossing conversation with Kris Poria, Co-founder, and CEO of EarlyBirds. Let’s get to know more about the company, their journey, and what innovative services they offer. Also, grab exclusive articles such as The Future of Enterprise Security, The Ultimate Business Guide, and more. There is a lot more to read inside. Happy Reading!

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Adeeb Ma

Adeeb Malik

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For Editorial Concerns: editor@theentetpriseworld.com For Sales & Branding Enquiries: sales@theenterpriseworld.com For Subscription: info@theenterpriseworld.com Publisher The Enterprise World Creative Content Editor Shalmali | Adeeb Marketing Coordinator(USA) Peter J. PR & Marketing Coordinator James H. Business Development Executive Ginny Creative Design Head: Sushant K. Social Media Manager Narendra S. Digital Circulation Manager Amanda V.

This list is NOT a ranking. The companies on listed in magazine serve different aspects of the market, making ranking them in any order except revenue impossible and unfair. We try to bring a perfect platform for business organization to showcase their valued products/ services. Copyrights © The Enterprise World | 2019. All Rights Reserved. The images and content included in this magazine should not be copied, transferred or reproduced in any form or by any means, electronics, mechanical, photocopying, recording, otherwise, without proper permission from The Enterprise World. The Enterprise World solely owns all the reprint rights.

Leaders in Spotlight

This issue of The Enterprise World, The Most Trusted Identity and Access Management Service Companies features, Identity and Access Management is one of the most sought-after services in today’s times. As the working and functioning of companies have taken drastic changes, from oﬃce to remote, etc. This change has called for beer security and safety solutions for the employees and the company’s valuable data and information. Featured in this edition are some of the leading and most trusted names in the Identity and Access Management space. These companies are leading the industry and oﬀer cutting-edge services, integrated with the latest technology and innovations. They are changing the face of security and ensuring companies that their employees and data are always safe and highly secured at all times. Featured on the cover story is Identity Management Institute (IMI). IMI is a

globally recognized identity risk management training and certiﬁcation organization that serves IT security, identity, and data protection professionals worldwide. IMI (Identity Management Institute) has established itself as a pioneer and foremost name in the Identity and Access Management (IdM) industry. The organization was founded in 2007 by Henry Bagdasarian, a leading expert in technology risk management, audit, and security who recognized the growing IAM risks as companies moved their infrastructure, platforms, and data to the cloud allowed BYOD and subscribed to various SaaS applications. In an insightful and engrossing conversation with Kris Poria, Co-founder, and CEO of EarlyBirds. Let’s get to know more about the company, their journey, and what innovative services they oﬀer. Also, grab exclusive articles such as The Future of Enterprise Security, The Ultimate Business Guide, and more.

10. Identity Management Institute

28. EarlyBirds

22. The Future of Enterprise Security 34. Keeping The American Dream Alive With Flexible Rent A

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COVER STORY

Deﬁning Identity Management and System Security!

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COVER STORY

professional certiﬁcation to its global members who are interested in identity and access management (IAM) topics such as governance, access controls, identity theft, fraud prevention, compliance, data protection, and technology. Why IAM systems are important and how IMI changes the game in the industry As traditional corporate systems morphed into cloud computing and distributed systems serving a large number of dispersed users, IAM processes and systems became extremely important to address the new threats and risks. The IdM sector emerged in the spotlight owing to the increased vigilance and growing need for enhancing cybersecurity. As passwords became more predictable and easily accessible while systems lack layered security and multi-factor authentication, we witnessed rising incidents of system breaches, identity theft, and fraud. Also, with the evolution of IoT and increasing number of connected devices, identity and access management is paramount for addressing cyber security threats around the world.

management challenges in the most creative, eﬀective, and eﬃcient ways. IMI was established to: ●

●

● And to add to the impending issue, the Covid-19 pandemic changed the workforce landscape, as the majority of employees started working remotely, thus changing system security and data protection dynamics. Identity Management Institute® is a forward-thinking organization that strives to provide solutions for the ever-evolving identity

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Redeﬁne and promote the identity management profession and address all identity risks inside or outside of an information system, Foster a community and governing body for all identity management professionals, Establish an independent accreditation process of the highest standard of excellence for the identity management professionals, Serve the members and the public through advocacy for the profession, awareness regarding the identity risks, education, and collaboration for solving the challenges, Contribute to the ﬁeld through Critical Risk Domains™ (CRD), standards and education tools, Educate its members and the public through events and tools that promote best identity management practices, and Promote the highest professional ethics and standards for the identity management profession.

The journey of IMI IMI is a leading brand in the IAM thought leadership space ﬁrst and foremost, and their main aim is to foresee the evolving risks. They provide timely content about industry changes and related risks

as well as how companies and their professionals can mitigate the risks. Alongside, they provide regular content that is published on their website blog as well as a newsletter called Identity Management Journal. One of the main success factors is that they make complicated topics simple, crisp, and easy to grasp for the learners. When Identity Management Institute began its journey in 2007, the team faced several challenges. The initial challenges consisted of finding the right resources to help grow the organization, support its daily operations, maintain the website, develop content for the blog, and manage certification study guides and exams. As IMI leverages multiple platforms to support its online operations, ensuring system availability is critical. Thus, finding the right mix of systems, and ensuring a seamless and insightful educational environment always took paramount importance for them. IMI initially started with 2 certifications for identity theft management and compliance professionals. With the wide adoption of cloud computing and storage, BYOD, and SaaS applications, the organization introduced 6 more certifications in digital identity management, system access administration, and data protection which resulted in increased demand for their certifications.

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COVER STORY

IAM (Identity and Access Management) systems are attracting a wider response and becoming more important. In today's era where the digital world has a dominant presence in our

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professional and personal life, IAM technologies protect the systems and data of organizations. Identity Management Institute (IMI)® is the ﬁrst and leading

global certification organization dedicated to identity and access management. IMI and its services address all identity risks and support the professionals in the field to effectively tackle risks

The organization also oﬀers other services such as auditing identity and access management programs, compliance programs, product designs, and much more. Over the years, IMI has established itself as one of the most soughtafter and one of the Most Trusted Identity and Access Management Service Companies. The IMI Foundation Identity Management Institute is a globally recognized identity risk management training and certiﬁcation organization that serves IT security, identity, and data protection professionals worldwide. IMI has established itself as a pioneer and foremost name in the Identity and Access Management (IdM) industry. The organization was founded in 2007 by Henry Bagdasarian, a leading expert in technology risk management, audit, and security who recognized the growing IAM risks as companies moved their infrastructure, platforms, and data to the cloud allowed BYOD and subscribed to various SaaS applications.

around identity management, system programs, an active online community with some of the largest access, data security and integrity, compliance, and other related areas. discussion groups with thousands of global experts, as well as a To meet the industry needs, IMI has leading identity management blog on the Internet. created 8 training and certiﬁcation

IMI has redefined the term “identity management” to offer comprehensive solutions and services which include professional collaboration, risk awareness, education and training, risk management, and certification for career advancement, skill validation, and knowledge verification. IMI is an eminent international organization that provides thought leadership, training, and

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PROMOTE THE HIGHEST PR STANDARDS FOR THE IDENTITY

ROFESSIONAL ETHICS AND Y MANAGEMENT PROFESSION.

COVER STORY

IMI offers eight certification programs; five of them are within the digital identity and access management area, two are within the identity theft area, and another is in data protection and privacy. This ensures trained and certified professionals can tackle various system and data security challenges in the organizations they serve. How IMI goes a step beyond IMI is always a step ahead in terms of offering the best and most sought-after certifications. The team continuously analyzes the industry demand and assesses future trends. These crucial steps enable the team to drive the direction of their organization and offer exemplary services.

Services oﬀered by IMI As the business landscape is everchanging, and with the work from home model widely accepted, a lot of tasks are being assimilated and completed online. Also with the advent of cloud applications, identity and access management solves many system access and data protection challenges. IMI recognizes that identity and access management is essential for securing systems and data. Thus, to enable the cybersecurity and

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identity management professionals to address rising challenges, IMI offers professionals an unmatched opportunity to educate themselves and get certified in the leading fields of identity management, access administration, and data protection. IMI's services enable these professionals to improve their resumes and professional standing in the marketplace. The certification programs cover a wide array of aspects that enhance identity and access management of any company.

IMI also offers certification for identity management programs and products to ensure they meet the business objectives, compliance requirements, and design specifications. On the product side, they review identity and access management products based on the IMI's predefined criteria and product owner assertions to validate product design and stated objectives. “When you change the way you look at things, the things you look at change” - Wayne Dyer Leadership at IMI An organization like IMI has one of the most experienced and expert teams of professionals under its wing. What sets the organization apart is the visionary and unmatched leadership. IMI has one

of the best leadership, where the company is nurtured and services are constantly evolving. IMI has become a leading name under the exceptional leadership of Henry Bagdasarian who is the Founder and President of the Identity Management Institute (IMI). He also established the IdentityMate brand and consulting practice to help organizations with risk management in data protection, privacy, and compliance. Henry started his career in technology risk management and transitioned to information security, privacy, and compliance management as his career progressed. He is a certified professional in cybersecurity, IT audit, and identity management and also the author of the "Identity Diet" book which introduced identity obesity as the root cause of the identity theft epidemic and offered solutions. Henry's proposed frameworks have been incorporated into the IMI's certification programs and he also created the largest identity theft discussion forum online where thousands of global professionals collaborate to solve the leading and fastest-growing crime. He has served global companies as Chief Information Security Officer (CISO), Chief Privacy Officer, and head of compliance and IT audit. Henry has achieved many milestones in his daunting and insightful professional journey. Some of these achievements are:

Starting and growing Identity Management Institute to become the globally recognized certification entity for the identity and access management field. Ÿ Developing the certification programs and creating frameworks such as Identity KAOS and Information KAGE which have been incorporated into the certification study guides. Ÿ Introducing various concepts for the identity theft industry such as Identity Obesity which was described as the root cause of identity theft in Identity Diet which also introduced 8 principles for identity theft protection. Ÿ Proposing Digital Identity Transformation to address identity risks through a “holistic assessment and improvement of business processes, people, and technologies to achieve excellence in identity and access management, system security, data privacy, and regulatory compliance.” Ÿ

Henry's views on constant vigilance as a need or a strategy Vigilance is important if we want to reduce our risks whether in business or personal life. One way to stay vigilant is to constantly educate oneself to foresee the coming dangers and prepare to confront threats. How Henry manages work-life balance It's important to periodically step away from daily business routines when it gets hectic and spend time on more relaxing activities to mentally recharge and allow the emergence of new ideas to solve problems or improve the business. Relaxing activities may vary for diﬀerent people. For me, it's the contemplation of new ideas, writing, music, and movies.

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THE FUTURE OF ENTERPRISE SECURITY Focus on to Protect Themselves and their Customers

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you valuable tips on how to stay ahead of hackers by using advanced protection technology that can detect known and unknown vulnerabilities. We'll discuss risks, prevention methods, and show you how to protect your customers with the best practices for today's market.

t's no secret that not only are the threats to your company more numerous than ever before, but they are also becoming more sophisticated. You may have invested in expensive enterprise security solutions in the past only to see them rendered useless in a matter of weeks. The industry is at a crossroads. What do you need to be doing today to protect your customers and your business?

The Evolution of Threats to Enterprise Networks

This blog post will explore what enterprises should focus on when it comes to security. It will also give

Company networks have faced an evolving threat landscape in recent years, alongside a rapidly-

expanding list of threats. The number of high-profile data breaches has grown significantly over the past few years. In 2016, the largest breach of data in history took place when hackers stole the records of almost 150 million Verizon customers. Earlier that same year, Equifax suffered a massive data breach affecting over 140 million people. Many other companies have suffered cyberattacks and security breaches as well. Even in the face of these breaches, there has only been a nominal increase in cybersecurity awareness. Worse, many companies don't have effective systems or processes in place, such as a small and medium business password manager. A core issue is how rapidly the cybersecurity landscape changes, and how difficult it is for businesses to keep pace. Every new trend, from the rise of the cloud to the decline of physical devices, prompts various security upgrades for organizations. The reality is that any enterprise should both be

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aware of the myriad threats that exist and also understand the mindset that is necessary to address them.

detect all the software on a device to determine if they have been infected or if they have been attacked.

With that in mind, here are three major trends that have inﬂuenced the way we think about cybersecurity and the things that businesses should consider when it comes to safeguarding their customers and their businesses.

2. Data is the New Oil

1. IoT Goes Mainstream The Internet of Things essentially a catch-all term for any Internet-connected device or appliance that wouldn't ordinarily connect to a network — has seen explosive growth in recent years. IoT devices have become more commonplace than ever as we increasingly embed connectivity in everything from traﬃc lights to fridges and microwaves. This also means that devices in the business and consumer sectors are becoming increasingly sophisticated at collecting and sharing data. On the one hand, this means that, armed with eﬀective analytics, organizations can learn more about both themselves and their clientele than ever before. On the other hand, this means that even a small business may have to contend with an overwhelming threat surface, one in which anything could be an access point for a hacker. And yes, that includes the kitchen sink. For example, AI-powered intelligent security systems can detect threats like malware and illegal software. They can also

Success now hinges on data; availability, governance, orchestration, and analysis, for both the public and private sectors. This is especially true for the Fortune 1000. Moreover, many organizations now rely on their ability to generate and manage data — it is the key to understanding customer behavior, predicting what to sell, and determining how to market against competitors. It is impossible for any human being to eﬀectively organize and evaluate the vast quantity of data generated by even a small or mid-sized business. Instead, the role of human actors in this new ecosystem is to ensure the data is available and accessible for analytics tools. With that accomplished, they can unlock insights about everything from product intelligence to ﬂaws in their security posture. Orchestration alone isn't enough, either. Criminals are well aware of the value contained in corporate data. As such, in addition to availability, modern businesses must ensure all data is encrypted both at rest and in motion.

3. Machine Learning in Pentesting Artiﬁcial intelligence and machine learning have some incredibly compelling applications in the cybersecurity sector, and penetration testing is arguably at the top of that list. Pentesting typically requires an immense amount of manual labor. Through machine learning, security professionals can augment their own expertise with tools that automatically probe for weaknesses, becoming progressively better at doing so through trial and error. Unfortunately, pentesting isn't the only application of this technology—it can just as easily be weaponized in the hands of cybercriminals. Technologies that Will Shape the Future of Cybersecurity in 2022 Over the next few years, there will be several new technologies that will impact cybersecurity in ways neither seen nor predicted. From artiﬁcial intelligence to blockchain to IoT, the entire face of the security landscape is changing. And it will continue to change well into the future, evolving in ways we neither expected nor predicted.

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Innovators Solving Challenges

“Success is not a destination but a journey at personal, professional and spiritual level.”

tepping into new arena with a zeal to emerge as the best? It is but inevitable to have complete industry knowledge, of the things that go around, of the changes that you can bring about, and of everything you can do as an innovator, disrupting challenges.

Wouldn't it be easier if you had a helping hand, more like a guiding light to that lit your pathway towards better-ness? Featuring for The Enterprise World's this issue of Enterprising Companies of the Year is EarlyBirds, a company that guides you with the right tools. Before this Interview with Kris Poria, Co-Founder and CEO, here is a short glimpse of the company. Company Overview The Early Birds Marketplace is a Business to Business (B2B) marketplace for Innovators (Startups, Scaleups and mature) and Early Adopters to exchange value early on. Innovators are able to list their innovations with Minimum Viable Product (MVP) or product/solution and conﬁgure oﬀer starting from US$ 500 up to US$ 25,000 for each sale.

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Kris Poria, Co-Founder & CEO

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Early Adopters are able to search and buy innovations in their industry and business functions based on what business outcome these provide. Early Adopters are able to list Challenges in the marketplace to request potential solutions from Innovators. The marketplace provides escrow capability to reduce risk for both sides as well as capability to provide feedback for both parties. Brief us about at the company, what inspired you to start the company? Kris Poria, Cofounder of EarlyBirds, stumbled upon a gap in the market for big companies to work with start-ups that had innovative solutions, he realised a platform needed to be launched, to marry the two together, along with enabling start-ups and early adopters to exchange value early on.

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Along with his co-founder and business partner, Jeﬀ Penrose, they launched EarlyBirds - a global platform and business model that connects tech innovators, startups, along with independent experts, to share expertise and knowledge, to enable businesses to upscale quicker. EarlyBirds helps companies by providing capability solutions within a trusted networking platform to millions of businesses around the world. The platform allows early adopter technical issues to be solved quickly by experts providing solution options. This is complimented by innovation programs, products, and services on oﬀer to allow newish companies to see what the global market is doing. Finally, subject matter experts are welcomed onto the platform to work with customers to deliver business-focused outcomes. This helps improve the innovation lifecycle and enable any products or services to come to life quicker.

What are the products or services the company focuses on? How are your services diﬀerent from those in the market? EarlyBirds transforming organisations into selflearning org by: ·

Continuous learning across all business functions

Solve business and tech challenge quickly

Explore disruptions including new technology, process and models

Solving Wicked Problems

Above is delivered with help of EarlyBirds Ecosystem (Innovators, Subject Matter Experts (SMES) and Early Adopters) using its platform and innovation programs – the Challenger and the Explorer. The Challenger program is to solve one business or technical challenge at a time and the Explorer program is to provide ongoing innovation as a service to the whole organisation. EarlyBirds platform scouts over 3M global Innovators, have over 100 SMEs and now over 600 organisations registered on the platform. EarlyBirds oﬀers two options to the market – Self Service platform subscription that customers can search Innovators to identify solutions or innovations to solve their challenges or SME assisted programs to deliver a solution to any business or technical challenges or ongoing innovation as a service. Please tell us about your team.

Please brief us about your professional experience. Kris has started his own businesses and worked in sectors including ICT, Media, Real Estate, Education as well helped customers in Public Sector, Financial, Energy, Education to name a few. Kris has done various roles from Software Engineer to leading a business and has worked in Asia, Europe, US and Australia. What are the key achievements of your business journey? EarlyBirds on a journey to deliver to its purpose “Engaging Society in Actionable Innovation!”. We have coined a framework called Edzlity (Edge and Agility) that helps organisations to become SelfLearning organisations. We will continue to keep building products and align our services to deliver these outcomes with our platform, products and programs. We have been able to build a full ecosystem to identify over 3 million innovator organisations, over 100 Subject Matter Experts and over 600 organisations using our platform so far. We are able to onboard tier-1 public and private organisations working with us in Australia and continue to expand. Any client experience you would like to highlight? We are working with large public and private sector organisations in Australia including 2 of top 10 ASX listed organisations and large public sector agencies. Our clients' feedback is that we are helping them to accelerate their innovation capability, speed and solving their wicked problems with our platform and frameworks.

EarlyBirds founding team includes Kris Poria, Jeﬀ Penrose and CFO James Palmers. All have worked in the global market with small to multi-national organisations. EarlyBirds also have specialist technical team and Subject Matter Experts that are well known in the industry along with 14 advisory board members. Together team has a deep experience across three key area of focus - Early Adopter, Innovators and Subject Matter Expert covering all key industry sectors.

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Keepin Amer Dream Al Flexibl

Rent Now Pay La

Possibilities For La

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ng The rican live With le Rent

ater Creates Inﬁnite

andlords and Renters

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Homeownership: Is The American Dream Now Unattainable? Since the birth of our nation, homeownership has been considered as a core component of the American dream, it is, after all, one of the biggest investments many people plan for in their lifetime. It symbolizes autonomy, achievement, and upward mobility to the middle-class. A big part of that dream is to become a landlord and build wealth through real estate. Despite the fact that a majority of Americans are working towards homeownership, they worry about the hurdles that make homeownership seem impossible– like saving up for a down payment, their crippling student loan debt, and low credit scores that make it hard to access credit. U.S. Home Prices Are Soaring, but Income Has Remained Relatively Flat

Throughout 2019 to 2021, we have seen a steep deterioration of on time payments. These were only interrupted only by the months when the big stimulus checks which allowed more households to make timely rent payments. A Common Anxiety Causes a Gap Between Landlords and Renters Though the global pandemic affected each party in different ways, fear and uncertainty is mutual among renters and landlords. While renters find ways to balance their paychecks, landlords still face the pressure to sustain collections and maintain growth and fear they need to make increased capital investments, diminishing their cap rate over time. The sad truth is that both sides are dealing with the same problem. But are there mutually beneficial solutions to ease their shared anxiety? Closing The Landlord-Tenant Gap What landlords do not realize is that renters value flexible payments and that they are willing to pay more for the convenience.

For the mom and pop landlords who manage to aﬀord investment property, things haven't been too easy either. During the pandemic, the massive job-loss, stay-at-home mandates and eviction moratoria aﬀected the landlord's ability to collect rent and they saw a big drop in on-time payments. Landlords Struggle To Pay Bills

In a survey done with renters and landlords, over half of renters in our survey said they'd pay more for ﬂexible payment options in a rental property. Less than a quarter of landlords thought renters would pay more. Letus brings Flexible Rent And Financial Empowerment with Rent Now, Pay Later The ﬁnancial uncertainty brought about by the COVID-19 pandemic highlighted the need to have a budget, however small it may be. Saving every penny has become more important than ever before.

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Enter LetUs by RentMoola, a FinTech company easing a common anxiety and closing the renter-landlord gap. Their platform is the first to offer Rent Now, Pay Later at checkout. “As renters and landlords ourselves, the LetUs team has a deep understanding of the anxieties that affect both sides of the equation,” shares Manimozhi. “We are the first company to combine rent with financial services. It just makes perfect sense, since rent payments are typically a household's largest expense.” Rent Now, Pay Later benefits both the landlords and the tenants since the service allows landlords to collect in full and on time while providing renters with the flexibility of an interest-free line of credit at checkout. But there is a lot more that can be done to put landlords and renters in better financial standing.

And all this can be done without complicated logins. Renters and landlords can simply sign up on their own and transact as if making a venmo payment. From Burden To Benefit Rent and rent-related payments have long been seen as a burden and a deterrent to financial stability. “Our goal is to empower renters and give them a stepping stone to their next financial goal–whether it's to save for a downpayment, to increase their credit score, or to simply be able to balance their paychecks,” continues Manimozhi. “And for landlords, LetUs empowers them to not only stabilize their collections, but also increase the value of their holdings.” LetUs is shifting the way the rental industry has operated for decades. And during a time when renters and landlords have felt the strain the most, the company has provided relief and hope.

Because landlords and property management companies aren't considered creditors, they do not automatically report your payment history to the three major consumer credit reporting bureaus. This means renters could be missing out on the easiest way to build their credit without debt. Reporting rent to the credit bureaus can be beneficial to everyone–not just for individuals who are starting out or have had a hit in their score. Reporting rent payments to the credit bureaus is perhaps the easiest way to build credit without debt and it can be done directly on the letus platform. “We know a favorable score can give potential homebuyers an advantage in securing a mortgage” shares Manimozhi. “Instead of being a deterrent to their dream, rent can be a tool to reach their next financial goal. That's why we make it simple and accessible.” Ultimate Flexibility With Zero-Login 360° Payments At letus, payment flexibility is at the core of their business and goes beyond their Rent Now, Pay Later service. The platform makes rent payment convenient, simple, and inclusive for both renters and landlords by offering the most extensive payment options to accommodate renters across all demographics and payment habits with the LetUs Wallet. Renters have the flexibility to pay with any payment method they prefer, from cash to checks, debit and credit cards, bank transfers, Rent Now Pay Later, pay by text, digital wallet, and even crypto.