DESPITE INDICATIONS that Virgin One, Richard Branson's joint banking venture with Royal Bank of Scotland, has been a dire failure, securing only a few hundred customers, The Grin is said to be planning a second assault via the Internet. Although details of the venture have yet to be finalised, it is expected to offer browsers online financial advice, not unreasonably tilting the punters in the direction of Virgin's own financial products. Says a Virgin mouthpiece: 'The Internet bank will be a replacement to the phone call and, in usual Virgin style will be different to other Internet banks.' [Does he mean unprofitable?]