Thus, we were encouraged to apply for the upcoming PSO/PSP (Payment Service Operator/Payment Service Provider) regulations which were announced in late 2014. TPSP is where both regulators joined hands to establish a third-party which would interconnect “Every Telco with Every Branchless Bank” so as to democratize the mobile financial services industry and open it up for cross operator financial services. Within the Pathfinder Group, we have established a Financial Services Technology Division (FSTD) and we have organized them as a technology stack. It extends payment rails which will allow banks and payment service providers to build innovative products. We envision that we can take the strengths of RAAST and enable them on the AMA platform to make it accessible to the masses.