"I promise to open a bank account for a British citizen in just two minutes", says Nazzim Ishaque brightly. With a background in it, banking and asset management, he is submitting plans to the regulators to start a new bank called Lintel; the two-minute pledge is one of his selling points. Mr Ishaque reckons that he can do better than the existing banks, and is putting plenty of his own money where his mouth is, as part of the £5m ($7.5m) start-up cost. He hopes to start doing business early next year.
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