Product: Zenith Digital Bank (A hypothetical, mobile-first neobank).

Core Offering: A high-yield checking account with no monthly fees, a free debit card, and an integrated high-interest savings feature.

Standout Feature: Full global ATM fee reimbursement, making it ideal for frequent travelers and digital nomads.

User Experience: The mobile app is exceptionally clean, intuitive, and offers instant transfers and advanced budgeting tools.

Trade-off: Lacks physical branch support, relying entirely on digital customer service channels.

Overall Verdict: A top-tier challenger bank providing superior yields and zero-fee convenience for users comfortable with an app-only banking experience.