{"id":171,"count":1,"description":"A neobank is a digital-only bank, which means it has no physical branches. Instead, it offers banking products and services through its website or mobile app. Neobanks typically have lower overhead costs than traditional banks, which allows them to offer lower interest rates on loans and higher interest rates on deposits.\r\n\r\nIn order to build its neobank automation, InvestGlass uses a combination of artificial intelligence (AI) and machine learning (ML). AI is used to analyze customer data and recommend products, while ML is used to automate the underwriting process. 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