[random3]

Consumers are usually a whole different beast. Everything is different with consumers from sales and marketing to regulation, particularly in the financial sector. I don't see how it could be a natural move, especially not with a treasury product.

There are exceptions, though, like Mercury, which expanded to consumers after having success with their business banking product.

[TZubiri]

Most banks target both consumers and businesses right? I have some ideas as to why, but it's an observable fact.