From the N26 Feedback thread:
Interesting. I found this mentioning the tie up with Ditto:
I’m beginning to think that Starling might have actually been very clever.
Build a retail bank because that’s the best way of testing your technology. Pivot to a b2b platform play. Sell the Starling retail customers (and maybe brand?) to RBS (or anyone else with coin). Just need to avoid the ‘too good to say no’ offer from a big bank…
It also is complementary to Monzo’s strategy. Must write those thoughts about Monzo owning the customer and Starling the infrastructure…
If this was the plan all along, it’s a clever one.