C Smart provides consultants with in-depth financial services experience and has been instrumental in implementing projects and systems for major financial institutions worldwide, including: Australia, Brazil, China, Denmark, Japan, The Netherlands, New Zealand, Portugal, Spain, Thailand, and the United Kingdom. C Smart has a number of products on offer including: IVT, an interest simulator and verification tool Fraud Smart, a product for identifying points of compromise Finalstep, the next generation of online banking C Smart began as Card Smart Consulting in 1997. Card Smart quickly achieved the vision of becoming the premier card payment consulting firm in Australia; and expanded its services. C Smart International best reflects our services and global reach.