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If it wasn't obvious that the banking system has its flaws, the recent crisis made it crystal clear.

But, I'm not quite sure what's the exact problem you want to address. You are confusing local banks problems or their services with international issues.

For example Zopa (http://www.zopa.com) targets the loan issue.

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Well I think the problem I want to solve is a bank that the common tech-savvy (wo)man can use. My sister in college, my girlfriends freelancing mom, my defense contractor dad... anyone who is comfortable with online banking and smartphones, anyone who is open to new technology and using it to make their lives more efficient. The USAA scan-your-check-instant-fund-availability concept is fantastic! Paying bills with my phone like the new Square concept is amazing as well. This is the future and I want a bank that is pioneering in these ways too. Combine all of that with a bank that doesn't wanna nickel and dime me.. and I think we have a winner.

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