The short answer to this is that by partnering with a bank (we have before and will continue some relationshops we've already started) you are limited by their

The short answer to this is that by partnering with a bank (we have before and will continue some relationshops we've already started) you are limited by their underlying technology platform in the data you get, the data you pull out and anything you'd like to do with that information. Even how you'd like to show it to the customer. Everything is vetted through their counsel and their management team and your hands are always tied by their wishes. While you might be able to find a super innovative bank that allows you to have some creative freedom its really the difference in owning a home vs renting a home (even if you have a very lenient landlord). When you own it decisions are yours to be made, good bad or ugly, when someone else does there is always someone to answer to and there is always a period of time that has to pass between thought and action. That period of time in a small and nimble startup we believe is the difference in success and failure