Creating a neo bank app involves a clear approach to design and technology. First, identify the target audience and the specific financial services you want to offer, such as mobile payments, savings, loans, or wealth management. 

Select a technology stack that supports secure transactions and smooth app functionality. Popular frameworks for mobile apps include React Native and Flutter, while backend technologies like Node.js and Python offer scalability.

The next step is to work on security. Neo banking app development handles sensitive data, so implement strong encryption, multi-factor authentication, and other security protocols to protect users. Compliance with local and international financial regulations is crucial.

User interface (UI) and user experience (UX) are vital. Focus on a clean, easy-to-navigate design to enhance customer experience. Allow users to access services with a few clicks.

Once your app is developed, focus on customer support. Offer live chat or in-app assistance for quick resolutions.

After launch, constantly update the app with new features based on user feedback and market trends. Monetization can be achieved through subscription fees, transaction charges, or partnerships with other financial institutions.

A well-designed neo bank app can attract a steady user base, positioning your business as a trusted financial solution.