Integration of micro lending module to allow other providers to participate in the ecosystem. System will be designed to show customer all offer and rates so they can choose which lender is convenient and right for them. Rollout to all LATAM coun-tries with remittance, bill pay and micro credit building. International push for multi service location in key states with high minority populations. Texas, Arizona, New Mexico, Florida and New York. Increased of staff in key areas including programing, customer service and business development.