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The way banking is changing, and digital solutions are driving this transformation. I came across an informative guide to starting a digital bank from scratch in 2023 on the Keenethics blog at https://keenethics.com/blog/digital-banking-platform. The guide discusses the growing demand for online banking options and highlights the emergence of independent digital banks such as Monobank and Juni. These banks are redefining banking by offering customers a completely online experience.