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Europe has the major share in the neobanking market due to the emergence of multiple technology startups and early adoption technology. The fintech startups have emerged in the region due to the saturation of big commercial banks, which have created an opportunity for the non-conventional banking institutions. The region is an early adopter of digital banking technology dating back to the dotcom era during the late 1990s and early 2000s. This head start led to the shift to the technological banking startups.