Unlike traditional banks, Xinja is focused on enabling our customers to make intuitive, optimised, rapid & better money decisions without the angst. We don't have the costs of retail branches or the burden of legacy systems, that typically make processes cumbersome and slow for customers. We will actually have great security too, thanks to biometrics, geo-location and facial recognition software. We believe it's time Australians had access to a new type of bank - that serves their interests - and is delivered through a brilliant mobile experience. We will deliver this through building the bank with our customers, and by using the best technology has to offer.