Just something to maybe consider, I currently bank with Lloyds and one of the main reasons for myself is that with our join account we have the following benefits;
- Mobile Phone Insurance
- Travel Insurance
- Break down Cover.
I know this won’t be for everyone but for myself I would be happy to pay a monthly fee.
Linked to this I think some sort of profile system to categories users would be great, an app which adjusts or displays certain information based on the type of customer you are.
My needs from a bank when I was a student is now very different working full-time, if saving money is more important then display tools / services that can help me do that.