Logo of my future bank.
Yes the model guess no interest on a any loans.
But in respect of concurents I would say that there is nothing to be affraid of.
Conversely, Idea would be to offer of making a common register of lenders.
In my part I would give a small loans of $5-$25 for exemple, to anyone.
And that person would start to work on it's "Credit rating".
Again if he misleads my offer then others would got a signal about that.
Model is not clear or finnish jet but from other things my Ismalic Bank would earn for exemple ads free ads on and from others banks.
( I have to check if that's go on. it was ok last time i checked.)