Fino payments Bank – Can the unique business model spring a surprise?

Business model is good and they have done it right. Going forward would like to understand the following points:

• Their subscription model is bingo, Indian customer paying for a commodity like bank account (full marks to fino). How do they expect to scale it. Secondly, what protects from competition offering this same product at a discounted price.
• once they have the license, which they should get purely because on franchise they have built, how they wish to scale the deposit base.
  a) Exisiting base
  b) new urban and semi urban base (
• to garner deposit they will have to shell out decent RoIs, then what NIMs they will to play in lending game.