On Holvi: we completely replace traditional banks. So we do not just interface with your existing bank, we actually offer you a whole new type of current account. It is thus not merely an app, but a new banking service. One with, yes, integrated accounting and other things.

"You fill out the form, print it out, sign it, go to the post office with your ID, the post-person will check if your ID matches the form and send it to the bank.Few days later you will get your cards and passwords and are ready to go." — I'm not exactly sure I'd call that a nice process :-)