Congrats on the ICO. Sorry if I hadn't seen it earlier, but what countries is this applicable in? Also, how could it be the first decentralized bank when Bitcoin has the "be your own bank" factor? Thanks!
Change is more a marketplace with multiple partners who are all specialists in their field. Banks try to do it all, loans, savings, insurance, ..., often trying to compete with specialists by providing a lesser product for a lower price. Change will allow its customers to cherrypick the greatest services in this new world by partnering with as much top quality companies as possible, to provide us the best possible product.