{"id":4847,"date":"2017-07-01T08:30:10","date_gmt":"2017-07-01T08:30:10","guid":{"rendered":"https:\/\/insights.invyo.io\/europe\/?p=4847\/"},"modified":"2019-04-12T17:16:27","modified_gmt":"2019-04-12T17:16:27","slug":"interview-with-mark-mullen-ceo-co-founder-at-atom-bank","status":"publish","type":"post","link":"https:\/\/insights.invyo.io\/europe\/analyses\/interview-with-mark-mullen-ceo-co-founder-at-atom-bank\/","title":{"rendered":"Interview with Mark Mullen, CEO &#038; Co-founder at Atom Bank"},"content":{"rendered":"<p><strong>During MoneyConf 2017, Techfoliance Team had the chance to meet with Top Fintech players and influencers.<\/strong><\/p>\n<p>Xavier Gomez, our Co-Editor in Chief, had the great pleasure of meeting Mark Mullen, CEO and co-founder of Atom Bank, one of the most promising neobank in Europe.<\/p>\n<hr \/>\n<h3>About\u00a0Mark Mullen<\/h3>\n<p><a href=\"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2017\/06\/Techfoliance_mark-mullen_interview.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-4849\" src=\"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2017\/06\/Techfoliance_mark-mullen_interview-150x150.jpg\" alt=\"\" width=\"125\" height=\"125\" srcset=\"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2017\/06\/Techfoliance_mark-mullen_interview-150x150.jpg 150w, https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2017\/06\/Techfoliance_mark-mullen_interview-300x300.jpg 300w, https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2017\/06\/Techfoliance_mark-mullen_interview-56x56.jpg 56w, https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2017\/06\/Techfoliance_mark-mullen_interview-50x50.jpg 50w, https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2017\/06\/Techfoliance_mark-mullen_interview.jpg 386w\" sizes=\"(max-width: 125px) 100vw, 125px\" \/><\/a>Mark Mullen serves as the Chief Executive Officer at Atom Bank plc. Mr. Mullen has 25 years experience in the sector and served as the Chief Executive Officer at the multi-award winning telephone and internet bank first direct, the first telephone bank launched in October 1989.<\/p>\n<p><strong>What do you like the most about working at Atom?<\/strong><\/p>\n<p>The opportunity to create something new and valuable that didn\u2019t exist before.<\/p>\n<hr \/>\n<h3>About Atom Bank<\/h3>\n<p><a href=\"https:\/\/www.atombank.co.uk\/\"><strong>Atom Bank<\/strong><\/a>\u00a0is a Fintech company that calls itself as \u201cBritain\u2019s first digital-only bank&#8221;. It delivers banking services directly on a mobile app. It has no branches, tellers, and no physical outposts.<\/p>\n<p>Atom uses biometric identification: face and voice recognition (and fingerprint ID coming soon) to log-in to the app. Every person who join Atom receive a personalized version of the digital bank.<\/p>\n<h3>Why Atom Bank?<\/h3>\n<p>The company was officially founded in 2014 and currently provides low cost financial services such as mortgages and current account services.<\/p>\n<p><a href=\"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2017\/03\/Techfoliance_atom-bank_vote-for-the-next-european-fintech-unicorn.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-4285 size-full\" src=\"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2017\/03\/Techfoliance_atom-bank_vote-for-the-next-european-fintech-unicorn.png\" alt=\"\" width=\"1200\" height=\"682\" srcset=\"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2017\/03\/Techfoliance_atom-bank_vote-for-the-next-european-fintech-unicorn.png 1200w, https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2017\/03\/Techfoliance_atom-bank_vote-for-the-next-european-fintech-unicorn-300x171.png 300w, https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2017\/03\/Techfoliance_atom-bank_vote-for-the-next-european-fintech-unicorn-768x436.png 768w, https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2017\/03\/Techfoliance_atom-bank_vote-for-the-next-european-fintech-unicorn-1024x582.png 1024w, https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2017\/03\/Techfoliance_atom-bank_vote-for-the-next-european-fintech-unicorn-700x398.png 700w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/a><\/p>\n<p>Atom first received its <strong>banking license<\/strong> in June 2015. The company opened to the public in April 2016. <strong>Digital challenger banks<\/strong>, a new breed of banks that aim to give customers a simple and transparent experience mainly through a mobile app, are becoming more popular in the UK and elsewhere.<\/p>\n<p>Mullen sees <strong>savings account<\/strong> as a must-have product but is looking further since customers don&#8217;t want to pay for a current account anymore. As a result, banks are forced to make money from ancillary services like <strong>foreign exchange<\/strong> and <strong>overdraft fees<\/strong>.\u00a0Atom Bank wants to reivent and simplify today&#8217;s <strong>complex policies<\/strong> and processes offered by the <strong>banking sector<\/strong>.<\/p>\n<h3>The new banking world<\/h3>\n<p>Mark said that banks are failing to manage the <strong>obsolescence of their current IT infrastructure<\/strong>. The adequate move for banks to reduce their <strong>ponderous cost structure<\/strong> is through partnerships with Fintech solutions. Atom Bank&#8217;s model is strong enough to <strong>challenge traditional players<\/strong> on core banking products.<\/p>\n<p>Mark is determined to shake off the <strong>complex banking structure<\/strong> that has been here for years. Atom Bank&#8217;s core infrastructure is designed in such a way that it can be developed in open architecture.<\/p>\n<blockquote><p>&#8220;We don&#8217;t want to build a replica of somebody else\u2019s bank, we want to create a new generation of bank&#8221; said Mark<\/p><\/blockquote>\n<p>He added:<\/p>\n<blockquote><p>\u201cWe believe in banking. It\u2019s deeply unfashionable to admit that. But we are convinced that banking has and will continue to add value to the society for as long as money is needed.<\/p><\/blockquote>\n<p>Most bankers see the <strong>new regulation<\/strong> as a pain while Mark sees it as an opportunity for banks to improve and reinvent themselves with PSD2, GDPR and Open banking measures.<\/p>\n<h3>Ambition Matrix<\/h3>\n<p>Atom will soon launch additional banking products, including <strong>debit cards<\/strong>, overdrafts and instant access savings, all of which will be managed via the app.<\/p>\n<p>Atom Bank recently closed its latest funding round of \u00a3100 million with support from the Spanish bank BBVA, Toscafund and Woodford Investment Management. The capital raised values Atom Bank at \u00a3270 million.<\/p>\n<p>The bank recently launched its first <strong>mobile mortgage product<\/strong>, allowing borrowers to manage everything via the mobile app.\u00a0The company currently employs a team of over <strong>260 permanent<\/strong> employees and is set to grow in the coming months.<\/p>\n<hr \/>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>During MoneyConf 2017, Techfoliance Team had the chance to meet with Top Fintech players and influencers. Xavier Gomez, our Co-Editor in Chief, had the great pleasure of meeting Mark Mullen, CEO and co-founder of Atom Bank, one of the most promising neobank in Europe. About\u00a0Mark Mullen Mark Mullen serves as the Chief Executive Officer at [&hellip;]<\/p>\n","protected":false},"author":15,"featured_media":4853,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[551,2181],"tags":[440,1528,1014,1531,1529,1015,322,301,1530,1527,1532,935,1135,184],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Interview with Mark Mullen, CEO &amp; Co-founder at Atom Bank - INVYO Insights Europe : Media Fintech<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/insights.invyo.io\/europe\/analyses\/interview-with-mark-mullen-ceo-co-founder-at-atom-bank\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Interview with Mark Mullen, CEO &amp; Co-founder at Atom Bank - INVYO Insights Europe : Media Fintech\" \/>\n<meta property=\"og:description\" content=\"During MoneyConf 2017, Techfoliance Team had the chance to meet with Top Fintech players and influencers. 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