Atom Bank is the UK's first digital-only bank, offering services through mobile apps for iOS and Android. It provides mortgages, business loans, and savings accounts. The bank targets individuals and small businesses seeking digital banking solutions. Its unique selling proposition is being branchless, focusing on mobile accessibility, biometric security, and transparent banking practices. This approach aims to make banking easier and more cost-effective for its customers. Atom Bank is regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA), ensuring a secure banking experience[1][3][5].