New York-based Current provides mobile banking services to consumers through its partner bank , Choice Financial Group . With no physical branches , Current is one of the US ’ leading digitalonly banks with US $ 402.4m in total funding and over four million accounts as of December 2022 . Its mantra is to serve the needs of Americans who are working to create a better future for themselves . This has led its push to innovate with the best technology , delivering motivational products in a world of increasing digitisation and complexity .

The UK ’ s first woman-founded bank , thanks to Anne Boden ; Starling Bank has seen a meteoric rise since its founding in 2014 . Offering personal current accounts , joint accounts , business accounts , and Euro accounts , Starling has remained branchless throughout its nine years of operation so far . Although Boden has stepped back from her role as CEO , which FinTech Magazine covers in this edition ’ s Lifetime Achievement Award article , the neobank remains a strong player in the UK market , with over three million customer accounts and US $ 710.3m in funding .