Ond mae un darn o'r jig-so wedi bod, ac yn dal i fod, ar goll. Mae angen rhywbeth arnom a all helpu i fynd i'r afael â'r ffaith brawychus bod banciau traddodiadol wedi bod yn gadael ein Prif Strydoedd, a rhywbeth hefyd i helpu’r unigolion hynny y mae angen cymorth a gwasanaethau ariannol arnynt yn y gymuned.
But there has always been a piece missing from the jigsaw. We’ve always been in need of something that can help tackle the alarming withdrawal of traditional banks from our High Streets and help support those individuals needing community based financial help and services.