If you’re a young professional in Hanoi or Ho Chi Minh City, the last thing you want to do is wait in long lines to sign up for a bank account or transfer money. You’ve got work to do, children to care for, and social responsibilities to which you need to attend. Getting tangled in old school banking bureaucracy only throws a wrench into your busy schedule. That’s why the people behind Timo, Vietnam’s first neobank, are offering an alternative to traditional banking. Rather than operating formal branches, Timo invites customers to its “hangouts,” which are hybrid coffee shop-banking centers.