In today's episode of Banking on Disruption Daily, we explore the increasing competition between traditional banks and neobanks aiming to serve lower-income households. With digital banks capturing nearly half of new account openings, JPMorgan and others are expanding their reach in underserved areas, while neobanks like Dave and Chime focus on accessible credit and low fees. In regulatory news, the CFPB and Federal Reserve are updating loan thresholds, while the CFPB's upcoming open banking rule highlights potential operational challenges for banks. Meanwhile, the FDIC's proposed corporate governance guidelines face criticism as they attempt to fortify risk management at larger banks. In merger and acquisition news, Chicago-based Byline Bancorp acquires First Security Bancorp, reinforcing its growth strategy in Illinois. Meanwhile, Territorial Bancorp in Hawaii postpones its vote on an acquisition offer amid competitive proposals. Additionally, Klarna's partnerships with Adyen and Apple aim to expand its buy now, pay later services, setting the stage for a potential public listing. Finally, card networks like Visa and American Express are collaborating with restaurant booking platforms to entice diners, reflecting a strategic push to capture increased consumer spending in the dining sector.