APS is not a bank but a digital banking services provider that’s been leading the FinTech challenge to banks for more than 10 years. We know banks very well and how they operate. Our solutions offer pretty much everything a bank account does, but without many of the usual barriers. Our customers get solutions which are simpler, smarter and faster than most banks offer. We recognise the crucial role data and technology has to play in modern banking, and we’re using that understanding, that industry expertise and all the technological power at our fingertips, to build the barrier-free products and services our customers demand and deserve.