Soarus, the article doesn't seem to be restricted by subscription.
I did a search on google and could read it which means an open access item.
I won't post the content below the link just in case there is an issue with HC moderators (??).
I agree with you. The neobanks being discussed are unlike ISX and are those trying to complete with traditional banks.
ISX's business model and practices are very different.
Best wishes to all holders. I enjoy many of your posts.