The user experience, from the website, mobile to device to phone calls, will be a big part of people signing up. There are a lot of people out there who are un

The user experience, from the website, mobile to device to phone calls, will be a big part of people signing up. There are a lot of people out there who are unhappy with their banks. If they get enough users to sign up with them, the actual banks on the back end (which will probably be a collection of smaller, unknown, entitities), wield less and less power, cause in theory BS would be able to switch over from one bank to another and the user wouldn't know, or care. This may allow them to force certain banks to provide revenue sharing.