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We would welcome any new entrants that sought to provide a better customer experience. All of the companies you mentioned have already entertained the idea of entering banking, but they haven't yet jumped in.

As for your other comment, apps and ATMs are already being used as an advertising channel. I wouldn't be surprised if we see (much) more of this.

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"that sought to provide a better customer experience"

First concrete thing you've said. Always a way to get into a market crowded with incumbents, esp if account reps have personal touch. Fix anything that annoys people and $$$'s result. Good luck to you on that part as you have a good chance of making it there.

"As for your other comment, apps and ATMs are already being used as an advertising channel. I wouldn't be surprised if we see (much) more of this."

Figures haha.

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