Once the darlings of the industry, the neobank pioneers of digital banking are now struggling to extend those early wins into long-term growth. It’s because their users, Millennials in particular, are reaching stages in life that bring challenges requiring complex financial solutions like mortgages, pensions, and investments, and, like their parents and grandparents before them, they want to sit down and talk to a friendly, knowledgeable person about it. They don’t want to discuss their future with a bot. Whether its new style activated branches that have a redefined purpose and social draw, or a neobank hosting a summer residence by the sea, or something else, there are many ways neobanks can forge that emotional connection with their customers. The opportunity is to get beyond the screen of the shallow, day-to-day money basics, to the deeper potential life-value of what might be below the surface. Banks could also invest, be present in, and even provide community facilities much needed by local residents, from sport facilities to wellness centers and community hubs. They could do this with interesting relevant partner organizations. This life-led™ approach would not only transform banking; it would also bring support to communities that need it. The key lies in coming out of the other side of the digital transition, and rediscovering the power of people in places.