A really interesting business, page-12

http://www.investing.com/news/stock...partnerships-with-financial-tech-firms-425687

This is the way the Fin industry is heading, its not hard to draw the comparisons here with KYK - Compliance is paramount to meet and sustain credit licensing and avoid penalties. again by adopting a 3rd party tech company it results in simply hand balling that responsibility over to the  aggregator if you will. As positive credit reporting in Australia along with personal data is retained in way that creates a profile similar to what US has been doing, I see this all coming together for KYK and further adaption of there products to extend to meet creditors needs this maybe in the form of Acquisition. Who knows - I do believe the Australian industry of Financial services is going through a massive transitional period and KYK has arrived at the right time.