Neobanks built something genuinely transformative, then optimised it for scale until complexity became someone else's problem – and that gap is now large enough, and visible enough, to attract a new category of specialist. Those gaps exist at both ends of the market. There are more than 17 million Brits who struggle to access financial services at the lower end of the spectrum: migrants, the self-employed, people for whom traditional account-opening requirements are impossible to meet. Companies like Mone ...