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モバイル専用の英国の銀行「アトムバンク」がついにサービス開始

モバイルに特化したイギリス初の銀行「アトムバンク」は4月6日、これまで当局から課せられていた営業制限が撤廃されたため、今後順次サービスを開始すると発表しました。

まずは、WEBサイトから事前登録したユーザーに対して専用のiPhoneアプリの提供を開始しており、商品としては定期預金を準備しています。また近日中に、中小企業向けの担保付融資が提供される予定。

さらに、同行は2016年中に段階的に商品・サービスを提供する予定としており、流動性預金や当座貸越、デビットカード、クレジットカード、住宅ローンなどがモバイルアプリ経由で順次提供される予定です。

アトムバンクのモバイルアプリは、ログイン時に顔認証や声紋認証を用いるほか、口座開設時も完全ペーパーレス化し、数タップの動作で口座開設できるようになっています。

アトムバンクは2014年4月に設立されて以来、スペインの大手銀行BBVAを含む約40の投資家から、135百万ポンド(約200億円)を資金調達しており、モバイルに特化したサービスを提供する銀行として注目を集めてきました。

今回、正式にサービス提供を開始したことで、同行のサービスがユーザーから実際の支持を集めていくか注目です。

以下に、アトムバンクのニュースリリースを引用します。

Atom Bank gets ‘lift off’ as its banking App goes live
From licence granted to launch in just over nine months

アトムバンク
2016年4月6日

Atom Bank, the UK’s first bank designed for digital and optimised for mobile, announces its regulatory restriction has been lifted, and as of today opens its virtual doors.

This marks the start of Atom’s journey, launching with its banking app and competitive fixed term savings. The app will be made available to everyone who has pre-registered their interest through the Atom website, initially available for iPhone and iPad users with an Android version to follow shortly.

Simultaneously, Atom will be offering secured lending to SME businesses, available through a number of specialist business intermediaries.

During 2016, Atom will be unveiling a further range of products and continuous app enhancements, with a phased roll-out of services throughout the year. By the end of 2016, customers will have access to fixed term savings, current accounts, overdrafts, debit and credit cards, instant access savings and residential mortgages, all serviced via the app.

Atom’s Founder and Chairman Anthony Thomson said: “The team has achieved something that simply hasn’t been done before? We believe we have built a bank in record time, and we’re not planning to stop here. It is not a simple task, and having an amazing team working hard to deliver the seemingly impossible has been crucial. We are all fully committed to continuing to innovate and deliver a transparent way of banking that turns the old world on its head.” The app offers a completely new way to bank, using face and voice biometrics to log-in to the app, with paper-free account opening in just a few taps. Backed up by a Durham-based customer support team, available all day every day, Atom Bank provides intuitive technology, competitive pricing and is dedicated to ensuring customers get what they genuinely need from their bank, delivered in an engaging and simple way.

Atom’s CEO, Mark Mullen said: “This is the start of a remarkable transformation of the banking landscape for everyone. Atom aims to offer a genuine alternative to the insidious and self-interested banks that dominate the UK banking landscape. Our approach will be to constantly evolve and extend our offering, with monthly updates to our app and a dedication to providing better value, greater transparency and a much more innovative banking experience.

Building of the bank, a bit of history Atom Bank is led by CEO Mark Mullen and Chairman Anthony Thomson and since its creation in April 2014, the team has:

  • ? Raised in excess of £135m in capital through the support of a group of over 40 private and institutional investors, including BBVA, Woodford Investment Management, Polar Capital, Jon Moulton
  • ? Built a highly motivated and experienced team of 160 permanent employees
  • ? Been ranked 8th in KPMG’s Global Fintech 100 listing and 1st in Tech World’s Digital Challengers list
  • ? Established a global network of partners and suppliers, with a distinct bias towards the North of England
  • ? Been granted first a restricted licence in June 2015 and now a full unrestricted licence to offer personal and business banking services

(以下、省略)

 

(参照)アトムバンクのニュースリリース

https://www.atombank.co.uk/newsroom