When we talk about the mass affluent, it goes beyond high-net-worth individuals and affluent retirees to people who have made a huge fortune from the sale of a business, a young couple who has suddenly inherited a lump sum of money or a recent graduate who has just landed a high-paying job. In the U.K., this large community is underserved and often overlooked by major high street and digital banks, said Ian Rand, CEO of U.K.-based digital bank Monument, leaving them with no choice but to rely on traditional lending and savings products that are not tailored to their complex needs.