The banking sector of the fintech industry has been actively transforming over the last five years: the number of neo-banks in the market is increasing, the classic branches are closing, and the customer is confidently moving to digital.
Today's students are a generation of people who will most likely never go to a bank branch in their lifetime. This does not mean that they will not use banking services. On the contrary - they will actively pay non-cash, take loans, and open deposits, but all the interaction "bank-client" will take place in their smartphone. And it is for this audience - Generation Z - that non-banks are already competing today.
https://ardas-it.com/neobank-for-fintech-business-features-of-a-digital-bank
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