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市場調查報告書
數位挑戰者銀行的洞察:超越炒作Beyond the Hype - Insight into Digital Challenger Banks |
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出版商 | GlobalData | 商品編碼 | 985150 | ||||
出版日期 | 內容資訊 | 英文 47 Pages ![]() |
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數位挑戰者銀行的洞察:超越炒作 Beyond the Hype - Insight into Digital Challenger Banks | ||
出版日期: 2021年01月25日 | 內容資訊: 英文 47 Pages |
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在過去的十年中,僅數位銀行的概念已經從孤立的新興銀行變成了全球主要地區都存在的全球現象。僅在過去的兩年中,許多數位挑戰者銀行見證了客戶數量的快速成長,並且在某些情況下,COVID-19的出現加速了這種趨勢。
事實證明,其他市場(如英國和歐洲)對於創業銀行和第三方技術提供商來說很容易進入,但難以維持。 這最終創造了一個由數百個小型參與者組成的成熟市場,產生了越來越多的專業銀行來滿足特殊需求,而這些特殊需求將難以長期取得成功。
本報告提供全球數位挑戰者銀行市場的相關調查,市場策略,長點、缺點相關洞察,威脅,成功因素和機會,競爭情形,主要企業的簡介等資訊。
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In the last decade, the concept of the digital-only bank has gone from isolated upstart players to a global phenomenon present in all major regions around the world. In the last two years alone, many digital challenger banks have witnessed rapid growth in customer numbers, and the advent of COVID-19 has accelerated this trend in some instances. However, while they are much more prevalent globally, digital challenger banks have broken out more easily in some areas than in others. Where a challenger has identified and solved genuine needs incumbents could or would not address, they have often succeeded in disrupting the banking market. Other markets such as the UK and Europe have proved easy for startup banks and third-party tech providers to enter but difficult to sustain. This has culminated in creating a mature market of hundreds of small players, producing increasingly specialist banks to solve particular needs that will struggle to achieve success over the longer term.
Across the world, banking is changing. New digital-only providers are springing up to offer a range of old and new services. With the threat this poses to many incumbents, as well as the opportunity to potential partners and shrewd market players, we have chosen to review a selection of global players. This review looks at 11 of the most interesting digital challengers, including the likes of Monzo, Chime, and KakaoBank. It covers a wide range of categories including strategy, products, goals, funding, strengths, weaknesses, and overall prognosis. Also included is a summary of relevant national and regional markets. This covers recent market history, regulatory changes, conduciveness for challengers to operate, as well as insights from our 2020 Banking and Payments Survey examining changing consumer attitudes to digital-only banks.