Monetisation, market size, and a solid acquisition plan are vital areas to clarify when evaluating neobanks.

Either neobanks will get licenses, or there will be a convergence process in the future between neobanks and traditional financial institutions.

Demand for digital financial services is less complex now than it should be as customers evolve. Hence, convergence is ahead.

Those who can get from the 'neo' to the 'bank' will be the winners.