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" ... What the likes of Monzo, Starling and Anna are doing is capitalising on that customer desire to self-label to combat the effect of increasing numbers of competitors. Hot Coral has become synonymous with transparency and openness, portrait cards say we do banking but for modern people, and miaowing cards says we don’t take ourselves too seriously and we are experts in design. Customers can choose their account based on which of these concepts they most identify with. ... "