Just months after raising £85m in a Series E fundraise, it seems as though neobank Monzo's aspirations for US dominance is being assisted by means of a £100 million in further funding, in a new round led by US-based VC and accelerator Y-Combinator. Such a raise would see the coral-carded digital bank valued at around £2 billion, positioning it on par with rivals N26 and Revolut. Whilst neobanks who focus on current account products like Monzo drive massive consumer adoption yet are inherently loss making, those who build lending and savings products through credit cards such as Tandem Bank, have lower user adoption rates but higher revenues (£5.1 million in 2017 compared with Monzo's £1.8 million). As such, it's not surprising that Tandem Bank are looking to secure an investment in the next three months, which is likely to be larger than the £80m it raised when it took over Harrods Bank last year. And in true neobank fashion, the ex-Harrods bank is looking to expand into continental Europe over the coming year. Finally, RBS has just exposed their neobank play with Bó -- a new online-only bank RBS has created, similar to Goldman's Marcus, to rival the likes of Monzo, N26, and Revolut. The specific target market being the 17 million UK residents with less than £100 of savings in their bank accounts. With the aim of this to “nudge” users towards ways of saving money by providing them access to a “marketplace” of different providers — from rival financial services companies to energy companies. Should Starling be worried?, only if they didn't help RBS build it, which they did. I won't say we called it, but have a revisit to our 2019 Fintech prediction, and see for yourself.