Digital-only bank Atom has launched its banking app which delivers its products and services through mobile devices and computers. The launch comes as regulators lifted a restriction on its authorisation. The app is currently available for iPhone and iPad users, with an Android version to follow shortly. The app uses face and voice biometrics, as well as machine learning to improve customer services. Atom Bank is a brainchild of Anthony Thomson, who in 2009 set up Metro Bank, the first new banking organisation to open in the UK since the end of the 19th century. Atom will launch new products this year and by the end of 2016, customers will have access to fixed savings, current accounts, overdrafts, debit and credit cards, instant access savings and residential mortgages. According to Thomson, the bank offers something that has not been offered before. The bank is fully committed to continuing to innovate and deliver a transparent way of banking that turns the old world on its head, he said.