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Banking on It

How I Disrupted an Industry

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Banking on It

By: Anne Boden
Narrated by: Janine Cooper-Marshall
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About this listen

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 first-hand 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 Banks & Banking Business Business Development & Entrepreneurship Law Professionals & Academics Small Business Career Inspiring Heartfelt Thought-Provoking

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Critic reviews

Welsh, 5ft, female and fiftysomething: when Anne Boden decided to launch a new "challenger" bank she seemed like neither the typical staid financier nor the archetypal fintech founder. Her creation was the successful startup Starling, but as this tell-all book outlines it was not an easy birth. (Rosamund Urwin)
If there was ever a business book suitable for TV adaptation, this is it. (Claer Barrett)
Banking On It is the story of how Boden's dogged determination to change the way banks do things...it is a fascinating insight into how one woman's vision shaped the way fintech looks today. (Aisling Finn)
All stars
Most relevant  
This book was very well written and the narration is perfect. I must confess, it made me quite emotional and I went on a tangent researching Tom (Monzo) and the rest of the team. I had to put faces to the people who would take such questionable actions!!

Inspiring and emotional

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An entertaining listen. I wasn't sure how some of the early foreshadowing was going to turn out, but I'm glad it didn't turn spiteful and showed the real nature of building a business.

Part memoir, part thriller, part business book

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Brilliant story full of heart, passion & resilience as told by Anne. Inspirational and real - such a great business book.

Brilliant book from start to finish,

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What a story Anne! I cried, laughed, cried, cursed and was totally amazed. Anne is a fierce force! Really amazing to hear the history of Starling. What is even more amazing, is the fact that Anne didn't bullshit around the pains of raising capital and how she almost lost it all. Many founders only want to pain the good side of entrepreneurship, but Anne told it as it is.

Very sad how things unfolded with the first team, but she lived to tell the story. The pure grit, hard work, focus and perseverance really shows in this book.

It only takes one person with a crazy idea, and one person with a check to believe in the crazy idea, for innovation and disruption to happen.

Absolutely brilliant! Kudos to Anne and her team at Starling.

The Last Woman Standing1

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A fantastic listen for everyone, especially entrepreneurs. This is beautiful written and narrated. Anne Boden shows what can happen when you have the courage to follow your dreams. Certainly not a smooth ride, Anne shows us you can dust yourself off after near failure and if you have the drive and determination to continue, it is possible to overcome the odds and succeed.

To take on the juggernaut of the banking industry with very limited resources shows what can be achieved when you believe a better solution is possible. Anne Boden is a true inspiration to all. In a world dominated by young entrepreneurs, Anne has the courage to question the status quo of the banking system and the brains and belief to bring it to life. It would be easy to think she was born with a silver spoon in her mouth or had come from floating a previous fintech success (or at least learned from previous failures). The truth is that her grit, accumulated knowledge of the banking industry and determination to be customer centric was foundation to Starling Bank's success.

Anne Boden is a rare human being with traits similar to that of Walt Disney or Colonel Sanders. When people laughed and said it couldn't be done, she persevered, putting everything on the line and overcame the odds. Well done Anne.

Inspirational - Brains, Courage & Grit

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Gripping and inspirational. A must for all entrepreneurs and people wanting to working in early stage start ups - either your own or someone else’s.

Excellent story!

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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.

Captivating! - a transport of delight

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I enjoyed ... its insightful and an example that despite a lifetime in the sector, one still needs tenacity and willingness to bet on yourself and your life savings when promoting innovation.

I used the Audible version fabulously narrated by Janine Cooper Marshall

#bankingindustry #innovation #financeandeconomy #leadership #bookcovers #inspiration #culture #transformation #purpose

Great Insights and enjoyed narration

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Amazing story which I only knew the headlines of. Especially good if you were an early adopter of Starling

Amazing

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Easy listening sometimes a little basic or obvious

The narrator makes it sound patronising at times

The narrator makes it sound patronising at times

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