$8.6 billion per year is lost to credit card fraud. Losses are split between card issuers, merchants and acquirers but the majority impacts card issuers. Adapting the smartphone's touchscreen to recognize fingerprints and revamping the payment process will significantly reduce this cybersecuriy financial problem. This secure mobile wallet app solves open issues that exist with using just mobile phone readers . It is a huge convenience for consumers who will no longer have to carry credit cards. Further, it will empower them to make credit card companies compete for their business via a rate comparison. It is Technology & Marketing Ventures' new electronic business capitalizing on their decades of high tech and financial services experience. This Electronic-BoardroomTMVi(r) solution makes things easier for all stakeholders and helps them benefit from changing competitive landscapes.