As part of its Uncarrier repositioning, T-Mobile is launching into the banking business with a pre-paid debit card and banking app. But if people aren't willing to trust banks with their cash, why should they trust a telecoms provider?

According to The Millennial Disruption Index, banking is the sector most at risk of being adversely affected by Millennials. The research found that 73% of Millennials would be more excited about a new offering in financial services from a tech company than their bank.

Bank branding has tended to skew towards the masculine, rather than feminine. But Tink, a new start-up from Sweden is promising to change that with a mobile app that looks and feels more like Instagram than dull incomprehensible finance.

With the growth of digital, a new solution to retail banking woes is emerging. Hello bank! is the world's first stand-alone digital mobile bank that's accessible any time, any place – and, crucially, maintains a clear focus on customer experience.