In this video, Motley Fool analysts Matt Koppenheffer and David Hanson discuss the potentially disruptive Bank of Internet (NYSE:AX). The bank's online-only business model may seem foreign to those used to visiting a branch for banking transactions, but it drastically lowers the company's overhead, meaning it can pass those savings along to its customers in the form of higher interest rates for customer accounts. Matt tells investors why he finds this to be an interesting investment but also pinpoints his concerns.