# 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. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.finqware.com/overview/skills.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.