Final Bank "Finance for All" will follow similarly to other neobanks like Monzo or Starling but will focus more on helping people and be marketed as the first bank that truly wants to improve financial wellbeing globally. Final Bank will enrich the lives of billions and help them achieve financial well-being.The USP:Opening an account with us, will help to give bank accounts to people who need them the most (the unbanked). Final can enrich the lives of billions and help them achieve financial well-being.The Unbanked:The unbanked mainly reside in emerging markets but also have a large population within already advanced economies like the US, Russia and China. The population totals to more than 1.7 billion+ people globally and 83% are active users of the internet through their mobile phones which could connect to Final's mobile app. Final will provide the best financial products, through utilising digitalisation and focus on being the first bank for the people. Raconteur estimates a TAM of $380 billion to be made by banking the unbanked and the success of NuBank (valuation $28 billion) proves that their is still money to be made from banking in emerging markets.Differentiation:Final differentiates itself from its competitors like Monzo, Starling and NuBank by focusing on providing education and financial literacy around the world for younger people who are already extremely tech savvy (Forbes, 2019). Helping drive financial illiteracy within emerging markets will push to increase populations to start saving globally. Which overall, can increase customer spending power to both help economies and people around the world. If Final were able to convert at least 3% of the unbanked, it would provide a larger customer base than HSBC, which has 40 million customers and generated $49.6 billion in 2020 (Statista, 2022).