Visa has opened its technological infrastructure so that anyone who is developing a digital banking application or service can connect through APIs to their systems. Consistent with its origin, through the Visa Developer Center, it is giving the first step so that the network of banking institutions with which it operates becomes a platform for entrepreneurs and banks to develop applications. “We want to interact with entrepreneurs, that entrepreneurs profit from Visa infrastructure, our tracks, and we have a series of capacities that are exposed. If you are an entrepreneur and have a great idea of anything you think it may generate value for the consumer, you can enter our platform and understand which are the capabilities you may profit from Visa to deploy your product.” J.C. Guillermety, Product Vice-president of Visa Mexico Institutional conversation, February 25, 2018 With the same purpose, the Brazilian bank Itaú participates in the creation of Cubo, a platform that seeks to promote and make visible information about B2B technological startups to connect the supply and demand of investments, alliances and jobs. By opening the information, they allow others to benefit from possible connections with- out receiving anything in return, but they increase the value of the entire ecosystem and put themselves in the front row to identify which startups are ideal partners to improve some processes or enter new markets. “In Cubo, different players converge, and startups, investors, large corporates, universities and a series of players interested in the innovation ecosystem may collaborate and connect.” R. P. Saldanha Gama, manager of Cubo Institutional conversation, March 28, 2018 In the insurance industry it is becoming increasingly necessary that tools shared by all players be built to improve the experience of their services. BDEO, for example, is implementing an application to report claims through photos or video calls without A TWO-WAY PATH 61