Financial services are being unbundled as the internet allows consumers to shop around, rather than be beholden to the big old bank that provides their current account.

Digital challenger brands in financial services understand that for many consumers, the online experience is more important than the offline experience. Many of these brands also have the advantage of being untainted by previous misdemeanours of incumbents in the industry - they don't have to walk such a fine line when championing transparency and fairness.