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The document discusses how banks can grow to reach 1 billion customers. It covers topics such as moving from capital expenditure to operating expenditure models, the challenges of reaching users that fintechs face versus traditional banks, open banking, legislation, targeting untapped niches, and achieving hyperscalability. Neobanks are discussed as having the potential to achieve scale by focusing on increasing their customers' share of wallet through offering additional products and services like lending.Read less