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VOX POP: Which brand could set up a business banking arm?

Leo Rayman, integrated strategy director, DDB London

"O2 and Vodafone have some natural assets for launching a banking service. They are well-known brands with extensive presence. They are also well- versed in the art of analysing the behaviour of millions of  customers at a highly transactional level. They have the IT skills that are required to create the back-end of a modern bank. They can also back this up with extensive customer service infrastructure. Brands with similar assets could do likewise. Perhaps we'll see moves from the utilities and technology sector into this space. Imagine what the Bank of Google would be like!"

Terry Tyrell, worldwide chairman, The Brand Union