wrapping APIs. The input connections are seen as "skills" and the data is enriched in our infrastructure and then exposed at the output end to tenants that can build frontend applications and services in order to create value it. Creating "skills" from digitalising sales origination processes with financial providers, we are also feeding cross-border financial marketplaces (like digital wallets, online e-commerce businesses) with a new revenue stream from commissions on financial products sales, increasing the distribution coverage of banks and financial providers, through a new channel for acquiring customers.