Good morning [%first_name |Dear Reader%],

I’m sure the sharp-eyed among you have already noticed our new header. It’s part of something we’ve been working on for the last few months and are very excited for you to see! You’ll hear about it from our colleagues very soon. But for now, let’s get to our edition today.

You know how people say too many cooks spoil the broth? Well, Arundhati has an argument for why this may not be the case when it comes to banking. Also, Anand has a few thoughts on how you should be starting your new financial year.

What should an ideal bank look like? 

A couple of days ago, I asked this question on Twitter and a few WhatsApp groups I’m part of. These are some of the answers I got: 

• “The one I don’t need to call or calls me” 
• “One where the width of the smile is not related to the total balance in account” 
• “Allows me to get x done while going through the least amount of people and in the quickest time frame”
• “I’d love if my bank lets me withdraw (over a lakh) with minimal friction and no questions asked”
• “Fewer ID checks, but more secure.