Data Model for Challenger Banks


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Data Model for Challenger Banks

We would be glad to have your comments.

Here's an article in the Financial Times about Digital Challenger Banks and here is the architecture for our Cloud Service for Banking.

We can also call our Digital Bank an "Open Bank" in line with the Competition and Markets Authority (CMA) report proposing "an Open Banking Revolution" that was published in the UK press on August 9th..

This is our starting-point :-

Atom "The UK�s first bank built exclusively for mobile"

Marcus (an American Challenger Bank from Goldman Sachs).

Mondo Bank (added Dec 4th. 2016)

Monzo Bank (UK) (added Dec 4th. 2016) - i reported on jAN 10th. that Monzo opened
customer operations centre in Cardiff with �950,00 from Welsh Government.

Revolut and the Wikipedia Entry (added Nov25th. 2017)

Shawbrook Bank (Wikipedia Entry)

Starling Bank

Tandem Bank

Here are more details of our approach to Generic Banking

A Template for a Digital Bank

An Open Banking API from Apigee which offers an Open Banking APIx to be required by the forthcoming EU Financial Services Directive, but the UK will not be affected.

Barry Williams
Principal Consultant
Database Answers Ltd.
London, England
January 20th. 2019

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