After a competitive application process, the three Boston College M.B.A. students joined three students from Friedrich Alexander University School of Business and Economics in Nuremberg to imagine the bank account of the future.

European bankers are worried. A new EU regulation forces them to hand over account information to third parties upon a customer’s request. These third parties, typically “fintech” startups, can then mine the banks’ data to offer customers budgeting advice and better mortgage deals via easy-t…

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