In addition, the platform operator is merely a facilitator and conduit for each transaction, with the outside lenders individually making the actual decision to extend credit.

此外，平台运营者只不过是每笔交易的协助者和引导者，是否扩大信用范围全由外部借款者个人决定。

youdao

They go on and offer their product on Amazon Marketplace and Amazon is really just a facilitator of the transaction.

FORBES: The Future of the College Bookstore