Welcome to The Challengers Podcast with Tearsheet's Zack Miller and OurCrowd's Josh Liggett.

First up, we look at OakNorth's new mortgage product. OakNorth is using a different playbook to grow. It’s focused primarily on SMB lending. It uses its savings accounts to help fund that aspiration. OakNorth just launched a mortgage product to further service its target borrower -- the entrepreneur.

A little joke on Twitter became a big deal for Chase. Chase’s social media account was accused of poor shaming. Ellevest’s Sallie Krawcheck has no patience for this trend in personal-finance mansplaining.

Wired is still after Revolut. Leaked internal messages show senior staff attacking critics while recent job applicants complain of onerous recruitment processes. Risk of losing European banking license?

Monese tops 1 million customers: While challengers open plenty of new current accounts, many question whether people are using those accounts. Monese maintains that 70 percent of the incoming funds it sees are salary payments.

Monzo coming to US. Doesn’t have license but may first start with just a debit card

N26 getting ready to launch in Brazil