To create a bank that's 99% digital (the 1% is for office space) with no BS charges and kick-ass money management tools.

Simple bank

I like the DKB, it's a German bank with exactly this philosophy. Even though I don't really dig their interface and some things feel clunky, I love the fact that all transactions are free and you can get cash from most banks in the world without being charged anything.

(Disclaimer: They are a daughter of the company I work for, but this still is my personal opinion.)

Haven't you just created Monzo?

It has been done already - at least in Italy - banca Mediolanum - everything is online, good mobile app with everything you need, no bs charges, free withdrawals in Europe. And if you want a human interaction, you have your own personal banker to whom you can even write on whatsapp

Glad to know it's out there already. Now it's just to be able to experience it...