Hi All,
Good discussion. Overdrafts are a key feature when one looks at the student current account market( I must say when I was a student in India there was no overdraft, there was a complicated model that involved borrowing between friends 
. )
As we stand we will initially look to develop our lending capability ( overdraft process and system ) and once we start the ball moving we will like to look at student overdraft. If we offer it should be an extension of the current account offerings with flexibility, transparency, and control and help students manage their finance.
Offering overdraft to students is different to mainstream lending since scores or income may not available to make decisions. This does mean it will be a bespoke strategy which will we need to develop as evolve the product. When we do we will surely need community’s help to develop a robust student offering.