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PALO ALTO, Calif. – Stanford Federal Credit Union has long been on the leading edge of technology, so perhaps it’s not too surprising the CU was the initial user of security tools that now are sweeping much of the online banking world. That would be those from PassMark Security, a pioneer in site-to-user authentication, also known as digital watermarks, and in mutual authentication, a combination of site-to-user and positive device identification.

It didn’t hurt that the startup shop was three miles down the road and it had founders and backers with close relationships with the credit union.

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