Small banks tend to be better at catering to local needs, including needs of small and medium businesses. A payments bank, which will take deposits and offer payment and remittance services but be constrained to invest all its funds in safe instruments such as government securities, could be very synergistic with other existing services.
In Finland, you can watch our TV commercials for the very first time today, and see our print adverts as from 3 October. The creative concept here focuses on the positive spirit which comes from being part of a broad community with a single currency, and is reflected in the slogan, the EURO.OUR money.