The bank holding company Capital One hosted a hackathon to encourage co-creation and developer engagement aimed at creating better customer experiences and addressing economic challenges. For this competition, Capital One created an API called Nessie which gave programmers access "to a multitude of real public-facing data - such as ATM and bank branch locations—along with mock customer account data." Participants could use "HTTP requests to set up peer-to-peer transactions, simulate a weekly paycheck, or even schedule bills for customers."