N26 is now available in Germany, Austria, France, Greece, Ireland, Italy, Slovakia and Spain. With an application that has access to so much personal financial information, there are inevitably questions over privacy and security. Stalf admits that privacy is always an issue, especially in Germany, but he is adamant that, by making banking more user-friendly and transparent, “the customer experience is more trustworthy. We’re explaining the benefit of storing data.” The company has grown rapidly, but Stalf said N26 is just getting started. They’ve launched a feature allowing users to develop an investment portfolio, and are planning to provide insurance services and increase consumer credit limits. As for the future of banking itself, Stalf said companies like N26 are just scratching the surface. “The banks of the future will look completely different,” he said. “Bankers will disappear, technology people will be the bankers of tomorrow.”