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Mastercard warns: invest or face economic consequences. Many UK businesses are struggling to expand and develop to their full potential due to a lack of proper investment into new technologies such as alternative payment methods, a senior Mastercard executive has told CBR. Marcia Clay, the groups' UK and Ireland head of strategy and commercial development, explained that UK consumers are increasingly calling for innovative technologies such as mobile payments as they look to simplify their everyday lives. "I believe we need to prioritise support for innovative start-ups, businesses in the eCommerce and mobile payments sector for example, which are in a unique position to propel the UK economy forward in 2014 and beyond," she said. Clay detailed how Mastercard is working with London-based Startupbootcamp FinTech, providing the expertise, mentoring and access to a network of industry professionals that most early-stage FinTech start-ups would not be able to access otherwise. Mastercard has found that many small businesses still do not use electronic payments, despite almost 80% of UK businesses having a website or some sort of online presence. A much smaller percentage can currently accept card payments, and the company believes that businesses of all sizes should be encouraged to invest in new technology and services that give consumers more choice. The company also found that UK consumers are using mobile and contactless payment methods and wide-spread adoption is reaching a critical mass; with around 5.7m transactions taking place on UK smartphones every day. This has been spurred on by a major growth in contactless payments, which grew by 383% from 2012 to 2013 across the country a

Regarded as one of the best technical Windows internet security suites for PC and laptop, and Total Security 2015 lives up to that rep. Bitdefender is widely regarded as one of the best technical Windows internet security suites. Its Total Security product offers a very good range of the features you rightly expect in a security suite. The 2015 version aims to make life even easier for customers by introducing Profiles, which adapt the software for particular tasks, like playing games, watching movies or general office work. Also see: Best internet security software 2014. After installation, you're presented with a very Windows 8-looking tiled interface. Rather than having a lot of tiles slide awkwardly through the Bitdefender window, as in the 2014 version, here there are three large tiles and four subsidiary ones, giving quick and easy access to all the program's key functions. The modules provided by Bitdefender Total Security 2015 cover AV, anti-malware and anti-spam, tune-up, online banking protection, a 2-way firewall, parental control, online backup and anti-theft provision. Online backup, which Bitdefender Total Security 2015 refers to as Safebox, is handled from the My Bitdefender online site, which is unusual - it's more usually set up and managed locally.