We are finding that interoperability is critical. Financial services technologies will work across banks, cards and borders more cohesively in the future - and we are helping drive that. Other examples: Stripe merchant processing ($36B valuation, Plaid - $5.2B acquisition by Visa - plugin banking API's to apps). We take inspiration from these valuations. We make money through: a) transaction fees, b) processing fees, c) foreign exchange fees, d) lending fees and e) Master Agent - country rights sales. We are taking on 500,000 Western Union agent locations with new technologies and better splits.
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