Using the partnersship between GCash and CIMBin the Philippines

1.) is it vertical alliance or horizontal alliance

2.) what resource or capabilities brought to the alliance by each partner? And which brings more valuable resources?

3.) which type of alliance is this(contractual,equity or joint venture)

4.)how they split profit or based in their agreement

5.)how they create value in the alliance?

6.) is value created by combining complementary resources,pooling similar resource,creating entirely new resource or reducing transaction cost and increasing efficiency between two organizations?