Read the business scenario given in the text sheet named ABS Financial Solutions. Analyze the given business scenario to evaluate how U.S. federal and state compliance laws affect the given problem and shape its solution accordingly. Then, discuss THREE (3) of the following questions: How do U.S. federal and state compliance laws affect the given problem and influence the solution taken by the company? How is the solution to the problem an outcome of the compliance laws? How do cost-benefit issues and considerations affect decisions regarding solutions? What role will customers acceptance and attitude play in developing the new business solution? What is the contribution of an individual customers attitude in developing the business solution?

The ABS Financial Solutions is a leading provider of worldwide financial services to credit unions and their members. It offers lending, protection, financial, employee, and member solutions through strategic partnerships, technological innovations, and multiple service channels. ABS Financial Solutions employs nearly 6,000 people and has offices throughout the country, including six regional marketing offices. The confidence and trust that credit unions have in ABS Financial Solutions is reflected in the fact that it protects, with one or more coverages, nearly 95 percent of the 9,500+ credit unions in the United States. In addition to achieving the positive financial results, ABS Financial Solutions believes that it is essential to provide, on a competitive basis, the services that will contribute to the success and security of credit unions and the members they serve. ABS Financial Solutions has field representatives who work with credit unions and their members. Traditional desktops did not work for them because these staffers were mobile employees. Notebook personal computers (PCs) have become the norm for about 1,200 of ABS's field staff. A virtual desktop and an Internet connection ensures the field team has access to e-mail and the back-end financial services applications needed to support their customers while in the field. The benefits of mobility include improved productivity that translated into more time spent with the customers and members. Since its conception ABS has changed with the times, but one factor remains constant the protection of credit union members' data. ABS understands the need, and has taken the steps to focus its security strategy on protecting credit unions' and their members' data, especially on notebook PCs that are highly vulnerable to loss and theft. Recent privacy legislation only reinforced what ABS already knew, that credit unions and members viewed privacy as an important issue. The Business Problem The hardware cost to replace a lost or stolen notebook is insignificant relative to the cost of non-compliance and brand damage caused by the malicious use of inadequately protected data contained on the notebook. With sensitive credit union and member data and company confidential data to protect, ABS needed an enterprise-strength encryption solution that would augment password protection by protecting data stored on the notebook PCs. The company also wanted their encryption solution for the Windows-based notebook PCs to be easily managed and available on other platforms including tablets and smartphones for future mobile initiatives. The Challenges One of ABS's challenges was to balance a strong encryption that met regulatory compliance without impacting the productivity of its field representatives. Field representatives rarely go into their office and rely solely on their notebook PCs to do their jobs. When a notebook PC fails and information is unavailable, productivity declines abruptly, costing valuable time and dollars. In addition, the solution had to be easy to administer and manage. The Process Each day that went by without taking action to encrypt data on the notebook PCs placed ABS one day more at risk. The company created a team, formalized a plan, and started the investigation of different approaches to encrypting the data. Both file-and-folder and full-disk encryption products were considered. The selection of a solution was based on a formal Request for Proposal (RFP) process that included written responses, demonstrations, and an extensive in-house evaluation of the finalists' products. Reference calls were also made to substantiate vendor claims. The Solution Federal Information Processing Standards (FIPS) 140-2 validated, ABS-TXR Mobility Guardian was selected as the encryption product of choice based on its ability to meet regulatory compliance, ease of administration and deployment, and minimal user impact. ABS understood the obstacles that needed to be addressed with both file-and-folder and full-disk encryption solutions and worked with TXR to develop a new class of encryption that was intelligent about what to encrypt and when, while ensuring that certain types of documents were secured no matter where they were stored. The selection was more than a technical decision. TXR Technologies' vision, direction, and support, coupled with its relationships with reputed information technology (IT) companies, were also key factors in the decision process. Next Steps ABS has completed the integration of ABS-TXR Mobility Guardian to its Active Directory, finalized its deployment plan, completed an end user pilot, and is almost finished with their field deployment. The company plans to deploy the software on its home office laptops within the next few months. Although ABS does not see handheld devices replacing notebook PCs, it does see them potentially replacing cell phones