As I was networking locally, I stumbled upon this 'still in works' product called Xinja - a 100 % digital bank in Australia (first of its kind Down Under). The product looks very very promising but I was blown over by their attempt to connect to the pulse of their customer base.
Typically startups employ consultants to conduct market research and understand user needs - majority of which is done in silos or focus groups. Xinja has aced it with a public forum where you and me can provide direct feedback to the creators. Check it out https://community.xinja.com.au/t/which-xinja-product-or-feature-are-you-most-looking-forward-to/150
I have been in the online banking space and wish we had such open exchange of information and access to such wealth of direct customer feedback.
A great example of user research done right !!