It is a zero-footprint authentication solution that does not require client hardware or software, is not dependent on the existence of any special marker or cookie on the user's PC, and does not require interrogation of the user's PC via downloaded software. Yodlee applications include online bill pay, personal financial management (PFM), and advisor solutions, which are used today by nearly seven million consumers at leading banks, brokerages, and portal sites. Yodlee is also an established contributor to industry forums like the Financial Services Technology Consortium, BITS, and the Liberty Alliance, to develop new standards for online authentication and stronger security practices. Yodlee is also a participant in the BITS Financial Institution Shared Assessment Program (FISAP) - a new security audit pilot program announced on February 1, 2006.