feat: integrate React Query for improved data fetching and state management across banking and transactions components

components/providers/query-provider.tsx

@@ -0,0 +1,25 @@
+"use client";
+
+import { QueryClient, QueryClientProvider } from "@tanstack/react-query";
+import { useState } from "react";
+
+export function QueryProvider({ children }: { children: React.ReactNode }) {
+  const [queryClient] = useState(
+    () =>
+      new QueryClient({
+        defaultOptions: {
+          queries: {
+            staleTime: 60 * 1000, // 1 minute
+            gcTime: 5 * 60 * 1000, // 5 minutes (formerly cacheTime)
+            refetchOnWindowFocus: false,
+            retry: 1,
+          },
+        },
+      }),
+  );
+
+  return (
+    <QueryClientProvider client={queryClient}>{children}</QueryClientProvider>
+  );
+}
+