In terms of choosing a target market for Kevin, there is a certain miscalculation related to the fact that, according to the World Payments Report from Capgemini, the whole "explosive" part of the growth of the non-cash payments market will come from developing countries – CAGR for 2015 – 2020 years promises to make up about 20% against 5.6% for mature markets of developing countries, including the selected Kevin EU. However, more targeted research - for example, the European Payments Strategy Report from ATKearney – indicates that the number of non – cash transactions in the European market will only grow with the expected CAGR of 8% in 2015-2020, while the share of cash payments, on the contrary, will decrease from 71% in 2015 to 60% in 2020. Dynamics in the B2B segment of the business Kevin – API for accepting crypto – currency payments, in fact, e – commerce – for the year 2017 is forecasted at + 14% relative to 2016 – the market volume of online retail by the end of 2017 promises to make 602 billion euros, and in the EU there are still regions with a relatively low level of penetration of online purchases, which guarantees the growth of the segment in the future. However, it should be reported that the payment market is characterized by low barriers to entry and a high level of competition both in its traditional (PayPal, VISA and Mastercard, etc.) and crypto-segments (CENTRA TECH, TENX, WIREX, MONACO, XAPO, CRYPTOPAY and others). And, unfortunately, Kevin does not currently offer potential customers the number of its own solutions, sufficient to compete in the traditional plane – and its stake on the platform component associated with the aggregation in the Kevin mobile app of the grocery solutions of other financial organizations depends heavily on, first, whether Kevin will receive a new type of payment institution's license or not, secondly, in what form the PSD2 Directive will be introduced in the regulatory base of the EU payment market, and thirdly, what number of institutions will go to the meeting Kevin (if they are not really obliged to provide mandatory access), there are too many DKs in relation to the so far not existing PISP service market.