The concept of these new age banks is nice. But I really think they haven't pushed it all the way yet. For example, Revolut has one-time-use credit cards. Even thinking about the possible features, there is a lot more that could be done. One time use with a predetermined amount (to be used like a gift card), in fact make every transaction a new credit card. An abstraction over the visa and mastercard networks. Also really actually good bookkeeping like with e.g. gnucash. I really feel there is a space for a hacker- and privacy-friendly new age bank product.