Physical debit/credit cards and ATM machines are dated technology.

We expect to work with merchants whereby users can spend money directly from the app without the need for plastic cards/pin codes etc.

Users will also be able to request credit through the app, we can match those debts p2p with other users looking to earn interest on their savings. Our crowd-Banking model allows us to do exceptional risk management with low overheads compared with traditional banks and therefore offer credit at great rates.