How does the article "The Journey from Bricks and Mortar to Digital" suggest neobanks should approach profitability?

Question $16$ options:

$1)$

By charging high fees for all services

$2)$

By focusing on short$-$term gains

$3)$

By prioritizing customer satisfaction and retention

$4)$

By reducing services to cut costs

$5)$

By only serving high$-$net$-$worth individuals