NOTE 13  SEGMENT INFORMATION General information The segment and geographic information provided in the table below is being reported consistent with the Companys method of internal reporting. Operating segments are defined as components of an enterprise for which separate financial information is available and which is evaluated regularly by the chief operating decision maker (CODM) in deciding how to allocate resources and in assessing performance. The CODM regularly reviews net revenue and gross profit by geographic regions. The Companys products and services operate in two reportable segments; identity management and payment processing. Information about revenue, profit/loss and assets The CODM evaluates performance and allocates resources based on net revenue and operating results of the geographic region as the current operations of each geography are either primarily identity management or payment processing. Identity management revenue is generated in North America and Africa and payment processing is earned in South America which are the three geographic regions of the Company. We have included the lease income in payment processing are the leases are related to unattended ticking kiosks. Long lived assets are in North America, South America and Africa. Most assets are intangible assets recorded from the acquisition of MultiPay (South America) in 2015 and FIN Holdings (North America and Africa) in 2016. Assets for North America, South America and Africa amounted to approximately $7.3 million, $0.7 million and $2.2 million, respectively, of which $4.9 million, $0.1 million and $1.7 million related to goodwill as of March 31, 2019. Analysis of revenue by segment and geographic region and reconciliation to consolidated revenue, gross profit, and net loss are provided below. The Company has included in the schedule below an allocation of corporate overhead based on managements estimate of resource requirements. Three Months Ended March 31, 2019 March 31, 2018 Net Revenues: North America $ 227,041 $ 117,308 South America 125,328 79,088 Africa 388,009 329,393 740,378 525,789 Identity Management 615,050 446,701 Payment Processing 125,328 79,088 740,378 525,789 Loss From Operations North America (737,962 ) (1,047,886 ) South America (1,256,952 ) (1,329,590 ) Africa (173,460 ) (131,719 ) (2,168,374 ) (2,509,195 ) Identity Management (911,422 ) (1,179,605 ) Payment Processing (1,256,952 ) (1,329,590 ) (2,168,374 ) (2,509,195 ) Interest Expense (86,890 ) (239,169 ) Other income/(expense) 6,226  Loss before income taxes (2,249,038 ) (2,748,364 ) Income tax expense (13,701 ) (4,561 ) Net loss $ (2,262,739 ) $ (2,752,925 )