Lego, First Direct, Starling: Everything that matters this morning

HSBC explores First Direct overhaul to compete with challengers
HSBC is looking to overhaul First Direct in order to attract younger consumers and keep up with digital disruptors.
Challenger banks such as Monzo have been gaining momentum as consumers enjoy in-app features such as automatic savings and real-time updates.
Joe Gordon, First Direct’s chief executive, says the bank will make a series of changes over the next year to improve its services to become “more accessible to a wi