Literally every single "weird" or novel feature in this article is also offered by mainstream banks. Those banks are way less likely to collapse and leave their clients out of luck (remember most startups fail). The "weird" features mentioned in the article include: secured credit cards (or charge cards) for those with little to no credit, 'elite' metal cards with bundled subscriptions to Priority Pass and TSA Pre (which you can buy cheaper directly), split repayment, and virtual / one-off account numbers. Yawn.