Розвиток необанкінгу у світі: аналіз базових показників
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Дата
2024
Назва журналу
Номер ISSN
Назва тому
Видавець
СумДПУ імені А. С. Макаренка
Анотація
У статті проаналізовано сучасні тенденції розвитку необанків у світі та встановлено, що їхня поява є перспективним нововведенням у сфері банківських послуг. Оскільки необанки належать до FinTech-компаній, їхнє майбутнє в Європі та США видається досить вигідним. Визначено, що серед основних факторів, які створюють труднощі для досягнення прибутковості Neobank,-необхідність значних інвестицій декомунізації в ІТ-архітектуру для інтеграції інновацій, які можуть забезпечити надійність, безпеку і захист від кібератак. Особливості роботи і розвитку Необанків були вивчені на прикладі Фінтех-компанії Revolut. Хоча можна створити клієнтську базу, активно розширюючи діяльність необанків, більшість необанків зіткнулися з проблемою збитковості навіть з мільйонами клієнтів. Основні джерела доходу включають обмінні збори, дохід від підписки, дохід від надання послуг BaaS декомунізації, дохід від міжнародних грошових переказів і кредитних послуг.
The article analyzes the current trends in the development of neobanks in the world and establishes that their appearance is a promising innovation in the field of banking services. Since neo-banks belong to FinTech companies, their future in Europe and the USA seems quite profitable. It was determined that among the main factors that create difficulties for neobanks to achieve profitability is the need for significant investments in IT architecture in order to integrate technological innovations capable of ensuring reliability, security and protection against cyber attacks. Peculiarities of the operation and development of a neo-bank were studied using the example of the fintech company Revolut. An analysis of Revolut's revenue structure for 2020–2022 was conducted, based on which a number of success factors that led to profitability were identified. It was found that the active scaling of neobanks allowed them to form a customer base, but most neobanks faced the problem of unprofitability even with several million customers. It was determined that one of the effective approaches that non-banks can use to increase profitability is vertical banking, which is aimed at providing a highly personalized banking experience for each individual customer segment, and another effective approach is the use of artificial intelligence to improve financial efficiency by reducing technical costs. maintenance due to automation and implementation of better data-based risk management methods. Among the main sources of income of neobanks are: exchange commission, income from subscription, income from provision of BaaS services, income from international transfers and credit services. It was determined that the success of the neo-banking sector depends on the development of the latest digital technological processes in the banking sector, the introduction of new banking standards, and financial instruments for financial market participants. Through a new wave of high-tech start-ups, it will face a financial revolution that will deal with outdated lending, payment and wealth management systems, high rent and office maintenance costs, and improved and cheaper wages for large numbers of employees compared to traditional big banks.
The article analyzes the current trends in the development of neobanks in the world and establishes that their appearance is a promising innovation in the field of banking services. Since neo-banks belong to FinTech companies, their future in Europe and the USA seems quite profitable. It was determined that among the main factors that create difficulties for neobanks to achieve profitability is the need for significant investments in IT architecture in order to integrate technological innovations capable of ensuring reliability, security and protection against cyber attacks. Peculiarities of the operation and development of a neo-bank were studied using the example of the fintech company Revolut. An analysis of Revolut's revenue structure for 2020–2022 was conducted, based on which a number of success factors that led to profitability were identified. It was found that the active scaling of neobanks allowed them to form a customer base, but most neobanks faced the problem of unprofitability even with several million customers. It was determined that one of the effective approaches that non-banks can use to increase profitability is vertical banking, which is aimed at providing a highly personalized banking experience for each individual customer segment, and another effective approach is the use of artificial intelligence to improve financial efficiency by reducing technical costs. maintenance due to automation and implementation of better data-based risk management methods. Among the main sources of income of neobanks are: exchange commission, income from subscription, income from provision of BaaS services, income from international transfers and credit services. It was determined that the success of the neo-banking sector depends on the development of the latest digital technological processes in the banking sector, the introduction of new banking standards, and financial instruments for financial market participants. Through a new wave of high-tech start-ups, it will face a financial revolution that will deal with outdated lending, payment and wealth management systems, high rent and office maintenance costs, and improved and cheaper wages for large numbers of employees compared to traditional big banks.
Опис
Ключові слова
банки, необанки, FinTech-компаній, цифровізація, банківські послуги, фінансові технології, banks, non-banks, FinTech companies, digitalization, banking services, financial technologies
Бібліографічний опис
Ключка, О. Розвиток необанкінгу у світі: аналіз базових показників [Текст] / О. Ключка, Н. Козій, Л. Кручко // Цифрова економіка та економічна безпека : науково-практичний журнал / Причорноморський науково-дослідний інститут економіки та інновацій, Сумський державний педагогічний університет імені А. С. Макаренка ; [гол. ред. О. Ю. Кудріна, редкол.: В. В. Божкова, В. І. Борщ, Н. М. Вдовенко та ін.]. – 2024. – №2 (11). – С. 215–223. – DOI: https://doi.org/10.32782/dees.11-34