Business model: affiliate commission from user switching quickly covers license fee Proven and replicable license and affiliate model: • User access deals directly within their accounts. Brands • Service providers pay commission for customer acquisition, upselling and advertising opportunities. • ApTap aggregates deals and matches them to user Banks profiles, taking a share of the affiliate commission. • Bank takes the other half of the commission and pays a licensing fee based on active user base volume ApTap ApTap LTD 2020 ©