# Use Cases
source: https://developer.mastercard.com/open-finance-europe/documentation/unlicensed/use-cases/index.md

Here are some key use cases that customers without a license can build using connectivity from Mastercard's Open Finance [Aiia Pay Service](https://developer.mastercard.com/open-finance-europe/documentation/unlicensed/aiia-pay/index.md):

### E-Commerce Payments {#e-commerce-payments}

Build seamless checkout experiences with Aiia Pay.

[Learn more →](https://developer.mastercard.com/open-finance-europe/documentation/unlicensed/use-cases/e-commerce-payments/index.md)

### Bill Payments {#bill-payments}

Implement our payment initiation service into your bill payment application, offering broader payment options for your end users.

[Learn more →](https://developer.mastercard.com/open-finance-europe/documentation/unlicensed/use-cases/bill-payments/index.md)

### Top-up Payments {#top-up-payments}

Build simpler, smarter, and trusted top-up experiences.

[Learn more →](https://developer.mastercard.com/open-finance-europe/documentation/unlicensed/use-cases/top-up-payments/index.md)

Here are some key use cases that customers without a license can build using connectivity from Mastercard's Open Finance [Aiia Data Service](https://developer.mastercard.com/open-finance-europe/documentation/unlicensed/aiia-data/index.md):

### Personal Financial Management {#personal-financial-management}

Enable your users to get a full overview of their finances through your very own Personal Financial Management (PFM) offering.

[Learn more →](https://developer.mastercard.com/open-finance-europe/documentation/unlicensed/use-cases/pfm/index.md)

Here are some key use cases that customers without a license can build using connectivity from Mastercard's Open Finance [Insights Service](https://developer.mastercard.com/open-finance-europe/documentation/unlicensed/insights/index.md):

### Digital Onboarding {#digital-onboarding}

Instantly verify bank account ownership to enable consumers to onboard onto digital platforms.

[Learn more →](https://developer.mastercard.com/open-finance-europe/documentation/unlicensed/use-cases/digital-onboarding/index.md)

### Merchant Onboarding {#merchant-onboarding}

Instantly verify bank business (SME) bank account ownership to facilitate and automate merchant onboarding.

[Learn more →](https://developer.mastercard.com/open-finance-europe/documentation/unlicensed/use-cases/merchant-onboarding/index.md)

### Direct Debit Setup {#direct-debit-setup}

Instantly verify the account owner and check for sufficient funds during direct-debit setup in order to automate the process and prevent payment failure.

[Learn more →](https://developer.mastercard.com/open-finance-europe/documentation/unlicensed/use-cases/direct-debit-setup/index.md)