JG:patterns. In the US, we have access to court records-it's a straightforward list. Things like large deposits or multiple deposits-you know how in Hong Kong you have many branches of HSBC, so people could make multiple deposits. There are about 25-26 different scenarios.

The bank feedback leads to the models, which helps to eliminate "false positives."

CWHK: We've heard the phrase "BI for the masses"...what does that mean?

JG: Vendors like Cognos and Business Objects offer query-and-reporting products that do things like print out simple reports-tell you who's been with the company ten years, give you salary breakdowns, etc. And they're also announcing that they're not meeting their [revenue] projections. I would think they should probably look over their shoulder. I don't think these two companies realize what's happening to them.

CWHK: You're very upfront when it comes to discussing competitors. What's your edge?