2. Until now people haven’t experienced the same
technical innovation from banks that they have
benefited from everywhere else in their lives
3. What is Starling Bank?
https://www.youtube
.com/watch?v=fqmv
nmUnsPE
4. What is Starling Bank?
• Tech start-up with a banking licence
• 100% cloud-based, mobile-only
• Mastercard debit card
• DDs and faster payments
• Location-enriched transaction feed
• ApplePay, GooglePay, FitBitPay, SamsungPay
• Spending insights
• Granular card control
• Open APIs & developer platform
5. We built a bank in a year
• Jan 2014 - Founded by Anne Boden
• Jun 2014 - Kick-off with Regulators
• Sep 2015 - Technical prototypes
• Jul 2016 - Granted a partial banking license
• Nov 2016 - Launching the alpha app
• Feb 2017 - Launching the beta app
• Apr 2017 - Granted a full banking license
• May 2017 - Public launch
• Mar 2018 - Awarded Best British Bank
•
7. Using Data to help customers
● Reorganising payments
● Saving towards goals
● Investing
9. “The banking sector is still not as
innovative or competitive as it
needs to be”
UK CMA Banking Report 2016
10. The dawn of open
banking
• Banks have hoarded data and the customer
has not benefited
• Efforts to use banking data have required
“ingenuity”
• Reverse engineering and screen-scraping
are misdirected innovation
• Today all European banks, under PSD2, are
offering open APIs
11. The Starling Way
● We organise and treat our
databases like a garden
● Data is organised in a meaningful,
simple and easily accessible way
● Do as many releases as possible,
make the procedure as quick and
as easy to follow as possible
● Result - release often, give new
features to the customer and put the
power back in their hands
● Get feedback and iterate
