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Ann: Chairman and CEO Presentation - 2021 AGM, page-56

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    the comment from humm was this is no longer a ‘winner takes all’ environment- ie. you build and app and just sell product From your own business in a closed ecosystem. It is now a proposition for ‘value’ to the customer - you offer the best experience in product A and then outsource to your partner who has the best product experience in product B… all facilitated by open architecture and yes open banking. This is why the “feature rich” “platform” tech from Eml is the competitive advantage.

    would love to hear some counter arguments to balance my views
 
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