> For the complete documentation index, see [llms.txt](https://docs.finqware.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.finqware.com/overview/skills.md).

# Skills

#### Concept

Open Banking is about *opening* access for businesses to create value on top of financial services provided via APIs.

Each API that we integrate into our middleware is a `skill`. Examples: an account information API from Bank X is a skill, a payment initiation service from Bank Y is another skill.

With the initial releases, we'll focus on three skill types: account information, payment initiation and marketplace. As a roadmap item we're planning to introduce more utility such as *customer care* and skills related to *resource management*.

Each skill comes in two flavors: production and sandbox. Test & dev tenants will use sandbox skills.

#### Account information

These skills are mainly based on PSD2 AISP APIs from various banks.

Use cases: wallet applications or enterprise systems that need to query for bank accounts and transaction reports.

#### Payment initiation

Initially based on PSD2 PISP APIs from various banks.

Use cases: merchants willing to accept payments through a direct account-to-account transfer bypassing classic payment schemes.

#### Marketplace

Based on custom connectors that we're building with our partner servicers.

Use cases: marketplaces interested in selling financial products without the hassle of a direct integration with banks, insurance providers etc.