xkzero is a software developer specializing in mobile sales applications integrated with accounting and ERP systems. Partner and co-founder, Paul Ziliak, worked for nearly a decade in public accounting. His CPA experience led him to a successful career consulting and selling ERP software systems before becoming an entrepreneur and starting xkzero in 2005.

Anthony J. Madonia & Associates, Ltd. provides business counsel services to xkzero as needs and issues arise for the firm and for its founder. Paul met Tony Madonia when Tony’s firm needed software way back in Paul’s software sales days. “Once you build an initial relationship, you always keep it in the back
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Cash has dominated as a payment system since the concept’s inception in ancient Mesopotamia. Over the millennia, though, a number of noncash payment systems, like checks, promissory notes, credit cards, debit cards, ACH payments, wire transfers, and, more recently, cryptocurrency (Bitcoins), have emerged as strong cash competitors.

Check Fraud Still Most Dominant Form of Fraud Fraudsters and cyber criminals have never been far behind in exploiting noncash payment systems. According to a 2014 survey on payments fraud and control, over half of corporate financial professionals who responded reported that their organization was a target of payment fraud. Check fraud was the most dominant form of fraud followed by fraud involving credit cards, debit cards, ACH payments and wire transfers.
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