Monzo, Starling and Revolut are all building marketplaces. Revolut stated they want to be the “amazon of finance”, as in that they create a two-sided marketplace, underpinned by their platform, whereby people can buy all finance products they would ever need - either from Revolut it other parties.
I had a conversation with @tom_mf about this some weeks ago. The biggest hurdle to overcome with them is that you need to (a) have a very good API that can link in with them and (b) your sign-up process needs to be very slick and done within minutes. With regards to the latter, some of the AML and KYC may be done by them and then handed over, but that differs per party. Some of them will also wish to white-label it under their brand, others won’t.
It would be good to initiate a discussion with them - amongst those three are 3.5m customers and counting. MF may be from a technology perspective not quite ready, but it’d be good to test the water with regards to interest and then establish a roadmap with them.
Another interesting could be Portify, they are building a platform for the gig economy - where people typically have smaller amounts to invest (cue the £10 portfolio!), and are underinvested. They are much smaller though and at a much earlier stage. I know their CEO as well.
Finally, the original founder of MoneyDashboard is building a new startup which could be a nice link-up as well. I am meeting him in a few weeks again.