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註釋- The emergence of neo-banks in India and the UK reflects the increasing demand for digital financial services. The dawn of the digital age in the financial sector has paved the way for increased alliances between incumbents and 'fintech' organizations.- Neo-banks, digital-only banks that operate primarily through mobile apps, have significantly impacted the financial sector in recent years. They are leveraging technologies such as artificial intelligence and machine learning to provide personalized financial solutions to customers.- Over the last four years, nearly 36 neo-banks in India have been competing, acquiring customers, and creating a niche in the banking and financial sector. Similarly, in the UK, the three major neo-banks (Monzo, Revolut and Starling bank) are actively trying to gain a foothold in the banking industry.