Unlike traditional banks, Xinja is focused on enabling our customers to make intuitive, optimised, fast & better money decisions without the angst. We don't have the costs of retail branches or the burden of legacy systems, that typically make processes cumbersome and slow for customers. We believe it's time Australians had access to a new type of bank - that serves their interests - and is delivered through a brilliant mobile experience. We will deliver this through building the bank with our customers, and by using the best technology has to offer. We are not a bank yet, but we have applied for our banking licence. Meanwhile, we are launching our app and prepaid card which is an opportunity for customers to try us out.