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.