> Oh and I forgot to add, they offer a complete API, so you or third party developers can build on top of your financial data. No other bank offers this today.

this part ain't completely right - all current banking backends on the market offer instant messaging integration, otherwise they wouldn't be bought. it's not straightforward API calls directly in the backend (which some would prefer to not expose directly anyway). a bit of glue code is required but this is how in the moment these systems evolve to conform to ever changing regulations for example. otherwise banks would have to shut down