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Publisher's Summary

Brought to you by Penguin.

I surprised myself the first time I fully articulated the words 'I'm starting a bank'.

Banking on It is the firsthand account of one woman's quest to rebuild Britain's broken banking system.

After a lengthy career at the top of some of Britain's leading banks, Anne Boden had become disillusioned with the status quo - the financial crash had broken trust in the whole sector, but there seemed to be little appetite to make the most of emerging technologies to revolutionise customer experience. Increasingly frustrated with the inertia within the industry, she decided to shake things up herself by doing something totally radical - setting up her own bank.

In this awe-inspiring story, Anne reveals how she broke through bureaucracy, tackled prejudice and successfully countered widespread suspicion to realise her vision for the future of consumer banking. She fulfilled that dream by founding Starling, the winner of Best British Bank at the British Bank Awards in 2018, 2019 and 2020, and in doing so has triggered a new movement that is revolutionising the entire banking industry.

©2020 Anne Boden (P)2020 Penguin Audio

What listeners say about Banking on It

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  • Aditya Pipersenia
  • 12-01-21

Tale of sheer perseverance

Loved the story of Starling. Can only imagine how easy would have been for Anne to just give up and move on in the face of one adversity after another. Kudos to her perseverance and doggedness to not give up.

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  • Alistair Kelman
  • 05-11-20

Captivating! - a transport of delight

What a masterstroke of Anne Boden to get Janine Cooper Marshall to be the narrator voice in telling her tale of how Starling Bank came into being. The rhythmic inflection with strong and weak stress on alternating syllables of the “classic” Welsh accent places the listener deep within the story from the first moments of the taxi driver and that journey in Dublin. Instead of a strident story of doing battle with institutions and cartels "Banking on it" is a tale of hope learnt from experience, of envisaging things that never were and saying "Why Not?" rather than seeing things as they are and saying "Why?"

Anne was open to new ways of working, new technologies, new opportunities. But unlike many of her rivals in the FinTech space she remained an ethical banker of thirty years standing - someone who knows that the core elements of banking must be build upon trust between the banker and the customer.

Her timing to open a bank without physical branches could not have been better. Digital payment volumes are surging as Covid-19 lockdowns worldwide prompt consumers to do more shopping online. Sensible bankers know that customers do not want to pay for premium accounts with perks like metal cards; they want well designed and tested services which are secure, transparent and scalable. But how you build such a bank using the crooked timber of humanity is a story worth telling - and Anne, with Janine's narration. tells it well.

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  • David Richardson
  • 15-04-21

The Phoenix Project for fintech

probably a must "read" for anyone involved in digital transformation. the narrator is a bit annoying (syrupy) and not sure if this is as bad in the paper version.
very similar to Phoenix Project and, based on experience trying to open a Starling account, the customer centricity and UX reality should consign this to the fiction aisle.
I am looking forward to hearing the other side of the story from the early collaborators who went on to start Monzo - who i am told - offer a far better product

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  • Evangelos
  • 06-03-21

Great book

Whether you work in banking or not, it's worth reading/ listening to this book. Anne is describing a roller coaster of a journey to launch Starling, a pioneering moment in UK banking. Easy to follow, without any technical jargon, thoroughly enjoyable.

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  • Paul R
  • 20-02-21

Fascinating insight

This is a really well-written, accessible insight into not just fintech and challenger banks but the startup process in general.
- fund-raising
- networking
- building an 100% app-based business and all the CX/UX and live testing aspects involved
- politics and skullduggery...!

The narrator takes a bit of getting used to - slightly patronising tone-of-voice which doesn't do Anne Boden any favours, but the writing is excellent and Anne's ghost writer should be congratulated.

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  • Anonymous User
  • 08-02-21

Captivating!

Couldn't put it down! I'm not an entrepreneur I work in banking and related to a lot that the book was going on about. Good book for those starting a career/ entrepreneurial journey!

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  • Richard Gough
  • 07-02-21

Great Storytelling.

Loved this from start to finish, a recommended read/listen. Anne Boden is a natural storyteller never mind a Fintech genius.

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  • Fred
  • 01-02-21

A few interesting bits but mostly boring

It starts off slowly, has an interesting bit in the middle then goes back to boring. The book exaggerates the role impact of the bank on the market. Rather than disruption it's more an incremental change. The business model remains largely the same but offering an improved CX. Boden obviously deserves praise for starting a bank but it's certainly not FinTech. The book compares poorly with other autobiographical business book such as Shoe Dog, Lost and Founder, Chaos Monkeys etc. Pity I really wanted it to be good.

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  • Jamie Humphreys
  • 12-01-21

Great story!

Great to hear the ups and downs Anne and Starling have faced over the past 6 years! Really interesting to see how far banking has come.

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  • Leona
  • 02-01-21

The perfect present for an entrepreneur!

As a female entrepreneur sitting in a space full of men, with the same moral code, focused on exceptional customer service, journey and intuitive tech, I instinctively related to Anne's journey. The roller coaster is a little too exilirating for me, however, I was there twisting at every turn, at the edge of my seat on the dips and the cheers on the lifts. I really enjoyed this book as I enjoyed the series silicone valley. More so as this is real and that I had heard of the bank from multiple sources at the beginning of 2020. More so as this is an entrepreneur aligned to my thinking and working with a collaborative approach.

Some good pearls of business wisdom are interlaced with a truly entertaining story. An almost must for a female entrepreneur with big ideas, this story will also warn you about the wolves in the woods, what to expect and how to deal with them. How to stay true to yourself and find your voice. How to use your disadvantages to your advantage. How to stay focused on the horizon as the waves crash around you. How you learn all this as you go along, you find the strength as you progress.

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  • Chris Hill
  • 10-12-20

Anne owes me a nights sleep

Probably the best business autobiography I’ve listened to.
I put the book on around 9pm just for an hour to relax. I ended up staying awake and listening to the whole recording. It was excellent.
Anne’s journey is an inspiration and we all have a lot to learn from it.
A brilliant book, well written and well read.