ideo: Basics of Banking 011 – Your Money Is Not in the Vault
Format: Vertical 9:16 YouTube Short, 50–60 seconds
Style: Flat illustration, warm gold and deep navy palette, clean and modern
Voice: Calm, clear, confident narrator. Steady pace, no rushing.
Captions: On, large and readable, synced to the narration
Music: Soft, low background music under the voice
Scene 1 (hook, 0–6s):
A long queue of customers at a bank counter. The vault door swings open to show it almost empty.
Big on-screen text from the first frame: "Could your bank pay everyone today?"
Scene 2 (6–18s):
A deposit coin splits: a thin slice drops into a small vault labelled "Reserves", and the larger part flows out as house, car and business icons labelled "Loans".
Caption: "Only a fraction kept"
Scene 3 (18–29s):
A phone balance screen turns into a signed promise note. Customers arrive one by one at different times around a clock face.
Caption: "A promise, not a pile"
Scene 4 (29–42s):
Dozens of phones fire transfer arrows out of a bank labelled "SVB". A counter races up to "$42 billion in 1 day", then the bank doors close.
Caption: "A run at phone speed"
Scene 5 (42–58s):
Three shields rise around a bank, labelled "Insurance", "Central bank" and "Capital".
End card: Malla Banking Academy logo, "Basics of Banking 011", "Next: How Banks Create Money", "Follow for one banking idea a day"
