Talking of new business models, the Grauniad "Money" section was going on about a new Indian savings bank that is trying to attract savers in Britain.
Well the only way they can make it more attractive to savers in the present climate is to make it riskier, and that is just what the average person isn't going to want (or shouldn't), bearing in mind the Icesave saga. I an surprised the Graun is giving it column inches.