Meet the British mobile banks showing the US how it’s done

first_imgMonzo and Starling are banks you’ve probably never heard of if you’re outside the UK, but they’ve been leading a quiet revolution to challenge traditional banks to do better — and it’s been working. Both banks live on your phone through apps on iOS and Android, with no brick-and-mortar locations or clerks at desks. Instead, at Monzo’s headquarters in London, employees’ dogs commingle with engineers, support staff, and other workers in the buzz of a startup environment you’d typically find in Silicon Valley.Mobile-only banks are a totally new approach to banking in the UK, with the ability to see real-time transactions as they happen, easily split bills with friends, and use cards overseas with no fees. All of these features, and more, have led millions in Britain to now trust Monzo and Starling with their hard-earned cash. With just word-of-mouth and very little advertising, these two banks are showing bigger British banks — and the US — how 21st century banking is really done.Both Starling and Monzo offer very similar cards and bank accounts that are quickly becoming popular with millennials across the UK — Monzo recently crossed 2 million customers and says it’s adding 200,000 more each month, and Starling has more than 550,000 customers. You can easily track your spending habits in their mobile apps and instantly see when a payment occurs via mobile notifications. Most other banks in the UK take days to process card payments, so you never truly know what your actual bank balance is. Monzo’s and Starling’s apps are both in real time, so you know whether you can make that big purchase or not. The apps are also very well designed and easy to use, unlike many of the cumbersome apps that have been built by big banks. continue reading » ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

Williams, Walker carry load as Florida State survives Orange

first_imgFlorida State won despite playing without Vassell, its leading scorer at 13.4 points. He was benched for undisclosed reasons by coach Leonard Hamilton. Vassell was on the bench throughout the game.UP NEXTSyracuse: will play at No. 5 Louisville on Wednesday.Florida State: will host Pittsburgh on Tuesday. The Panthers defeated the visiting Seminoles in the season opener on Nov. 6. ___ Williams, Walker carry load as Florida State survives Orange Associated Press Share This StoryFacebookTwitteremailPrintLinkedinRedditTALLAHASSEE, Fla. (AP) — Patrick Williams scored 17 points and pulled down seven rebounds as No. 8 Florida State played without star guard Devin Vassell and held off Syracuse 80-77 on Saturday.M.J. Walker scored 16 points, including five 3-pointers, as the Seminoles (21-4, 11-3 ACC) won their 20th straight home game.Elijah Hughes added 25 points and four rebounds, playing all 40 minutes as he returned from a groin injury that limited him to 3 minutes in Tuesday’s game against NC State. Hughes missed a 25-footer that went off the rim and would have tied the game in the final seconds. February 15, 2020 Joseph Girard scored 22 points and grabbed seven rebounds for Syracuse (14-11, 7-7), which has lost four of its last five games.Trent Forrest scored 13 points, making two free-throw attempts with 8.5 seconds to go for FSU. RaiQuan Gray also had 10 rebounds as the Seminoles has a 47-29 edge on the boards.Led by Williams’ 17 points, Florida State’s bench outscored Syracuse’s reserves 41-13.BIG PICTURESyracuse’s Buddy Boeheim, who averages 16.3 points per game, was held without a point on 0 of 7 shooting (and 0 of 5 from beyond the 3-point arc). The Orange shot just 7 of 25 (28 percent) from 3-point range. For more AP college basketball coverage: https://apnews.com/Collegebasketball and http://twitter.com/AP_Top25last_img read more

Fantasy Premier League tips: The transfers to make in gameweek 14

first_img Out: Juan Mata (Manchester United) – £8.8m – Click the right arrow for more advice – Much is being made of United’s current style of football and it certainly doesn’t seem to be suiting Juan Mata. The Spaniard has just one goal (a penalty) and no assists in his last six league appearances. In: Philippe Coutinho (Liverpool) – £8.4m – Click the right arrow for more advice – Much is also being made of Liverpool’s current style of football and it certainly does seem to be suiting Philippe Coutinho. Jurgen Klopp’s arrival as manager has revitalised the Brazilian who has now scored four times in his last three matches. In: Sergio Aguero (Manchester City) – £13.1m – Click the right arrow for more advice – Think we’ve already covered this below… GET HIM BACK! Out: Graziano Pelle (Southampton) – £8.3m – Click the right arrow for more advice – Graziano Pelle is actually suspended for the Saints’ trip to City this week after accumulating one yellow card too many so far this season. If you need another excuse to get rid of the Italian he’s scored just one goal and recorded no assists in his last five league appearances. It’s probably time to opt for someone in better form… Out: Joe Hart (Manchester City) – £5.7m – Click the yellow arrow above, right, for more advice – Hart was substituted with a hamstring injury after 81 minutes of Manchester City’s Champions League defeat in Turin on Wednesday and looks certain to miss this weekend’s match against Southampton. If you don’t already have suitable backup, you should probably change him. 12 Out: Bafetimbi Gomis (Swansea City) – £6.7m – Click the right arrow for more advice – Ten per cent of Fantasy Premier League teams still have Bafetimbi Gomis in them – that’s BAFEling (sorry). You’d assume most of these are people who’ve stopped playing by now, but, if not, then heads need testing! Gomis hasn’t scored since August, get rid of him! 12 In: Toby Alderweireld (Tottenham) – £5.4m – Click the right arrow for more advice – It may be controversial, but, based on current form, we have to recommend this Tottenham defender as a replacement for the injured Chelsea captain. (Who’d have thought we’d be saying that six months ago!) Alderweireld scored against West Ham last week and, if Spurs play intelligently this Sunday, he could pick up a clean sheet this weekend. 12 In: Romelu Lukaku (Everton) – £8.9m – Click the right arrow for more advice – Talking of players in good form, Romelu Lukaku has scored four in his last three and has every chance of continuing this impressive run given Everton’s nice set of upcoming fixtures. 12 In: Harry Kane (Tottenham) – £9.5m – Click the right arrow for more advice – Harry Kane’s record in London derbies is impressive, his record against Chelsea’s defence at White Hart Lane last year was impressive and pretty much everything else about him is also impressive at the moment. Can the Blues, probably without their captain, keep him quiet? We’ll see. 12 12 12 12 12 Out: John Terry (Chelsea) – £6.6m – Click the right arrow for more advice – Also injured in midweek was Chelsea’s captain, John Terry. He seems likely to miss the Blues’ showdown with Spurs on Sunday and, even if he does play, is far from guaranteed a clean sheet! 12 In: Tim Howard (Everton) – £5.1m – Click the right arrow for more advice – A fitting replacement for Hart would be Everton’s Tim Howard. The Toffees’ upcoming run of fixtures is far from sticky and should allow for some strong defensive performances and clean sheets on Merseyside in the next few weeks. 12 12 Last week we told you to hold off on Sergio Aguero… that didn’t work out too well!The Argentine was forced into an unexpected, early return against Liverpool after Wilfried Bony was ruled out with an injury and, of course, he scored. City were thumped 4-1, as we all know, but Aguero curled in a cracking goal anyway and notched up a few fantasy points following his long-term injury layoff.Now, though, we will not be making the same mistake. We know Manchester City are on the comeback trail following consecutive defeats by Liverpool and Juventus this week, and, as they face Southampton and Swansea in their next two home matches, we can expect Sergio Aguero to be on fire.Also, if Aguero’s £13.1m price tag stretches your budget just that little bit too far we have two other, slightly cheaper, strikers who might take your fancy in this week’s recommendations.Check out the Fantasy Premier League transfers you might need to make this week by clicking the right arrow above… Out: Wilfried Bony (Manchester City) – £8.1m – Click the right arrow for more advice – Sergio Aguero is back in the City team and so Wilfried Bony is almost certainly going to be back on the City bench… If he’s fit, that is! last_img read more