Sometimes newer isn't better. For example, Three UK released V1.00(ABQM.0) in mid-2024 which broke IPv6 for many users.
If the TFTP transfer fails with "Timeout," your bootloader is corrupted. You need a serial TTL adapter (hardware mod). At that point, contact Zyxel RMA. zyxel nr5103e firmware
Connect your computer to the router via Ethernet or Wi-Fi (default credentials are often on the bottom label). Sometimes newer isn't better