How does Atom Bank make money?

I'm curious about the financial mechanisms of Atom Bank. Could you please elaborate on how exactly they generate revenue? I understand they operate primarily online, but I'm interested in the specific strategies and services they offer that contribute to their bottom line. Do they rely heavily on interest margins from loans, or do they have other streams of income as well? Also, how does their business model differ from traditional brick-and-mortar banks? I'm eager to learn more about their unique approach in the financial sector.