By partnering with data aggregators, banks can open their systems to thousands of developers, without having to invest in creating and maintaining their own open APIs. This also allows fintech developers to build their products around the APIs of two or three data aggregators, rather than 15,000 different banks and other data sources.
It is prudent for external funders to provide support services to CIF instead of injecting loan capital. (ii)  Targeted support programs. Most pertinent in this context would be the Community and Rural Support programs which catalyze employment opportunities.