Could you please expand this as you seem to have more information than the rest of us. Optimization means simpler and more efficient workflow in my book. Lykke is also one of Civic partners and while I suppose this card doesn't apply to that at all (Civic project is still in very early stages) I would lean into it first instead of saying "they will get all your information/you'll get audited" which doesn't make much sense for a finance company.