I was thinking, some people due to past bad money management are you unable to have an overdraft and this is down to the risk they pose in paying it back. However what if you created a self funded over draft feature that if you set aside a set amount this can be used in the same way an overdraft work’s, without any interest to pay on the money you borrowed as it would be yours to borrow in the first place. This could replenish each month in the same way an overdraft would. It would provide a good starting point for customers who want to show they can use an overdraft responsibly. And improve money management on accounts, ensuring that if the account ever went over drawn the customer wouldn’t incur any fees and would go into their self funded overdraft.
And if overdrafts are inherently available I see no reason why this feature can’t be incorporated