The key term I’ve heard throughout 2013 is digital, and one of my favourite digital banks is FIDOR in Germany.
Why? Because it is a proper bank – it has a banking licence – but it does not behave like a proper bank.
It’s very social – it sets its interest rates using Facebook Likes; it’s very different – if you want a loan, you can use integrated services from P2P lending website Smava; and it’s very innovative.
Read more at SAP Banking View