We are exactly competition with cc's since we are a digital bank offering a debit card, and checking/savings accounts. We are targeting a different type of use

We are exactly competition with cc's since we are a digital bank offering a debit card, and checking/savings accounts. We are targeting a different type of user that: 1. Do not qualify for a rewards card or have a dis-dain for credit (likely due to student loans & growing up during 08/09 crisis) 2. Not interesting to banks (yet)