In the financial sector there is a battle raging between Big Bank and Challengers. The new kids; the Monzo’s, the Starlings, they’re making ground because they are free from the ball-and-chain of legacy systems. They are small and nimble. They can change on a dime and customers will move with them. They have invited customers to see behind the curtain, building not just capital, but trust. It’s a brave new financial world, and that is what led to the genesis of Alpha. A bank in an app, and a new way to build trust.