Spotify connected to television streaming services, including Netflix and HBO Go, that recommends content to users. Spotify will mainly be using MightyTV to improve its advertising efforts on the free tier of service. In April 2017, Spotify acquired Mediachain, a blockchain startup with several technologies that can aid Spotify's effort in connecting artists and rights-holders with the tracks on its service. In May 2017, Spotify acquired artificial intelligence startup Niland, and will use its technology to improve its personalisation and recommendation features for users. In November 2017, Spotify acquired SoundTrap, an online music studio startup. On April 12, 2018, Spotify acquired
Lloyds Bank Corporate Markets separated from their colleagues and placed in a "glass box" to comply with rules. Fitch Ratings has assigned Lloyds Bank Corporate Markets and Lloyds Bank International expected Long-Term Issuer Default Ratings of 'A(EXP)'. Lloyds Bank Corporate Markets Lloyds Bank Corporate Markets is the non "ring-fenced" arm of Lloyds Banking Group. It was created in 2017, to comply with the Financial Services (Banking Reform) Act 2013. The Act implements the Independent Commission on Banking recommendation that essential banking services are separated from investment banking activities by 2019. As the Group is now primarily focussed on UK retail and commercial banking with