a "co-opetition" truce not to target one another, and are instead focusing their efforts entirely on stealing customers from the "Big Four" Australian incumbents: ANZ, Australia Bank, CBA, and Westpac.
And while they may not pose grave threats now, Eric Wilson, CEO of Xinja, previously stated that if the truce is productive, the neobanks could account for 20% of consumer banking in the country by 2023. But initiatives like Westpac's DDEP are a tactical way to curb the threat early by eliminating one of the primary advantages neobanks tend to have over their incumbent rivals: stronger digital tools to help customers manage and protect their finances.
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