I suspect the bigger banks are just too complex to be handled by...

I suspect the bigger banks are just too complex to be handled by Rubik's offering. And surely one of the big four would just have bought Rubik out of spare change. So I still think this is likely to be a credit union or one of the smaller banks. Still good news, though - especially if it's one of the bigger credit unions - and if they get another deal this year that would be excellent.