Digital banks are becoming bigger in the world because they do not have the costs of a regular traditional bank and that is why they can do stuff for cheaper.
For example, I use a digital bank for my regular payments (normally I spend as much bitcoin as I can without cash out since I get paid in bitcoin but I usually need a regular fiat spending for most stuff) and the bank I use have no place to go, like there is no place I can go and talk about an issue, I will either have to use live chat or mail or have to call them, they do have ATM all around the city but no real store. That allows them to not charge me for any money transfer, I literally pay everything with no extra charge from bank or send money to someone and not pay for anything and its fast as well.
You are partially right,but I think that digital banks can be quite vulnerable to hacker attacks,so sticking to a 100% online solution is risky.What if hackers steal the money from your online offshore bank accounts?
You can't rely on their online live chat or email support.You will have to call the police,but such offshore banks aren't in the jurisdiction of your country,so it makes everything very complicated.
