Zaggle offer an ecosystem-based approach across SaaS and fintech, with low customer acquisition and retention costs in the business-to-business (“B2B”) segment. Our approach revolves around cross-selling, up-selling, and offering our products and services in partnership with other players in the operating ecosystems. Through our arrangements with partner banks and fintechs, our Customers are able to offer their employees, channel partners and consumers a suite of SaaS and fintech solutions. Zaggle offer an integrated value proposition through our SaaS platform, providing a combination of payment instruments as well as an integrated mobile application that digitises business and employee spends. Application programming interface (“API”) integrations on the platforms provided to our Customers offer them enhanced convenience and an efficient user experience through a simplified dashboard. This enables a clear, distinct and integrated access to our products, and gives us an opportunity to promote and offer our third-party associations through the same dashboard. Our ability to offer diversified SaaS offerings to an existing customer base enables us to launch new products and cross-sell products to our wide User base.