It’s a statement that is becoming well-known and can be daunting for bank leaders: “Neobanks now dominate new account openings, capturing nearly 44% of all new checking accounts opened in 2024.” But there’s a bright side, too. True, neobanks are surging ever forward, offering digital and mobile-first banking, low or no fees, personalization and flexibility that appeal to today’s consumers. But rather than assuming total control over the financial marketplace, they are testing the waters for the rest of us, serving as virtual proving grounds for new financial products and services. Once...