it just depends on the life cycle where a Neo bank is in its life cycle because think of a near Bank having an economic life cycle and a business life cycle it begins like any Venture Capital right venture capital if anybody sees the life cycle of venture capital where it's in the start of phase and it's in you know  Venture Capital phase and it's in growth phase maturity and decline these are the different phases that a company goes through its business life cycle and so a Neo Bank is

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