What does the article "The Journey from Bricks and Mortar to Digital" suggest about the relationship between neobanks and regulators?

Question $13$ options:

$1)$

Neobanks should ignore regulations

$2)$

Regulators are irrelevant in the digital age

$3)$

Neobanks need to work with regulators to enable new models of banking

$4)$

Regulations will prevent neobanks from succeeding

$5)$

Neobanks should lobby for the removal of all banking regulations