The digital banking landscape is evolving rapidly, and our latest 2025 US Neobanks Report reveals some significant shifts in performance among key players. Comparing data from our 2024 fintech report with the most recent findings, we observe a clear trend: most neobanks are making notable improvements in their customer experience and overall perception.

The February 2025 Neobanks oCX Report offers insights into the customer experience landscape across digital banks. While individual rankings tell specific stories, broader patterns emerge when comparing the top-performing neobanks as a group against those struggling to break into the elite tier. or this analysis, we leveraged Observational Customer Experience (oCX), an AI-powered tool that analyzes real-time customer feedback across multiple sources, including reviews, social media posts, complaints, and chat interactions. Unlike traditional surveys, which can introduce biases and incomplete insights, oCX converts unstructured text into a quantifiable metric using advanced AI algorithms.