Picko is a P2P marketing platform for social sharing of card-linked offers. With the help of Open Banking technologies, Picko allows companies to build their own communities of loyal brand ambassadors, with no initial cost, thus advertising their business for free. Picko aims to disrupt the existing marketing industry, which is heavily dependent on KOLs and social media advertising. Adopting the Key Opinion Customer (KOC) concept, Picko aims to create a marketing community that is unbiased and trustworthy.