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June 14, 2012


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I endorse / applaud any energetic new entrant into the moribund UK retail banking market and am impressed by the amount of funding they have managed to secure. I also love the different culture/attitude they bring to the industry. However I can't help but wonder why so little real business model innovation? Dogs and balloons (while I'm sure nice) don't really count. Seems to me they are just building a better version of a 20th century bank. Perhaps we should be talking with them, maybe we could help. ;-)

Jonathan Charley

There is a fundamental flaw with the Metro Bank model and that it a branch only proposition. The question is for much longer and which customer segments will branches be relevant? Assuming that there is still demand in the short term for branches, whilst for now their 12 branches having longer opening hours can be a differentiator M&S coming into the market with as long if not longer hours and in convenient locations with parking and overtaking them in numbers of branches, the question has to be how long will Metro Bank even be interesting let alone relevant?

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