The British start-up Osper just raised $ 10 million. Its product: a bank mobile-first, that is to say designed above all on mobile, intended for the youngest. Developed with Mastercard, the service offers a bank debit card – and not a credit card – allowing customers to carry out transactions of all kinds: cash withdrawals, online purchases, subscriptions to services like Amazon or iTunes. … All working in the form of prepaid credit.
All operations are then summarized in a dedicated application in a clear and understandable form, to which are associated a set of services such as SMS alerts in the event of insufficient funds.
In France, the banking service Nickel Account comes close to the same concept, even if it targets a wider audience. Without condition of income, the user can have a bank card without the possibility of overrun and manage his account directly from an application or the website.