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The Importance of Offline Relationships in Banking
A lot of the banks don't want to pay much interest on the deposit base, because that's like a very direct cost into their lending business. Inherently, those large FIs are under serving the five million ARR companies with 10 to 20 million of cash on balance sheet. They're not providing an API driven, a technology driven experience like ARCA. These banks are stingy on passing interest income back to their customers.