An EY exec laid out 3 things digital banks like Chime, Monzo, and N26 need to avoid while battling fierce competition in a make-or-break year

· Jan Bellens, a global banking and capital markets sector leader at consultant EY, spoke to Business Insider about what challenger banks need to do to stay ahead of the curve in a competitive field in 2020. 
· Bellens said the current environment reminds him of how internet companies used to operate.
· "It's all about...