Tidak ada undang-undang di Indonesia yang melarang penggunaan aplikasi versi lama selama Anda tidak memodifikasi (crack/mod) aplikasi tersebut. Namun, Neobank. Pasal 5.3 ToS Neobank menyebutkan: "Pengguna wajib menggunakan aplikasi versi terbaru yang tersedia di Google Play Store atau App Store."
Neobanks (e.g., Jenius, Digibank by DBS, TMRW) initially offered zero-fee accounts, free transfers, and no minimum balance. Over time, many introduced fees or limited features in newer versions. Users often prefer "versi lama" (old version) because it remains free. This paper asks: Why do neobanks keep old free versions available, and what are the business implications? neobank versi lama free