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In the past Digital Audio Players (DAP) mostly now usually called called MP3 players were restricted to manufacturers wish to capture their clients by making use of proprietary audio formats. This meant the Digital Media player audio format used was determined by the producer. If you already had other Digital Media Player audio formats that they had to get converted. Often this could create problems converting from one Digital Media Player format to a new. Citibank is among the leading banks worldwide. It is now about to expand its plastic card business to Asia Pacific area. There are surely threats in this market, but there's also excellent opportunities. In this article I will analyze the Citibank being a brand and will discuss possible solutions to the down sides that might appear in the brand new market.