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세계의 네오뱅킹 시장(2022-2029년)

Global Neobanking Market - 2022-2029

리서치사 DataM Intelligence
발행일 2022년 08월 상품코드 1117922
페이지 정보 영문 220 Pages 배송안내 1-2일 (영업일 기준)
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세계의 네오뱅킹 시장(2022-2029년) Global Neobanking Market - 2022-2029
발행일 : 2022년 08월 페이지 정보 : 영문 220 Pages

본 상품은 영문 자료로 한글과 영문 목차에 불일치하는 내용이 있을 경우 영문을 우선합니다. 정확한 검토를 위해 영문목차를 참고해주시기 바랍니다.

시장 역학

네오뱅킹 수요는 주로 은행 업무 간소화에 대한 세계적인 수요에 의해 높아지고 있습니다. 사이버 보안과 데이터 프라이버시에 관한 우려는 시장 성장을 제한하는 주요인이 되고 있습니다.

세계의 네오뱅킹 시장 보고서는 약 58개 시장 데이터 표, 58개 그림, 220페이지 구성으로 제공됩니다.

목차

제1장 세계의 네오뱅킹 시장 조사 방법과 범위

  • 조사 방법
  • 조사 목적과 조사 범위

제2장 세계의 네오뱅킹 시장 - 시장의 정의와 개요

제3장 세계의 네오뱅킹 시장 - 개요

  • 계좌 유형별 시장 개요
  • 서비스별 시장 개요
  • 용도별 시장 개요
  • 지역별 시장 개요

제4장 세계의 네오뱅킹 시장 - 시장 역학

  • 시장 영향요인
    • 성장 촉진요인
      • 에너지 효율화에 대한 세계적인 요구 증가
    • 성장 억제요인
      • 네오뱅킹에 드는 높은 비용
    • 비즈니스 기회
    • 영향 분석

제5장 세계의 네오뱅킹 시장 - 산업 분석

  • Porter의 산업 분석
  • 공급망 분석
  • 가격 결정 분석
  • 규제 분석

제6장 세계의 네오뱅킹 시장 - COVID-19 분석

  • COVID-19 시장 분석
    • COVID-19 등장전 시장 시나리오
    • 현재의 시장 시나리오
    • COVID-19이후, 또는 향후 시나리오
  • COVID-19안에서의 가격 설정 역학
  • 수급 스펙트럼
  • 팬데믹 기간의 시장에 관련된 정부 이니셔티브
  • 제조업체의 전략적 이니셔티브
  • 정리

제7장 세계의 네오뱅킹 시장 - 계좌 유형별

  • 비즈니스 어카운트
  • 저축 계좌

제8장 세계의 네오뱅킹 시장 - 서비스별

  • 모바일 뱅킹
  • 결제 및 송금
  • 당좌예금/보통예금
  • 대출
  • 기타

제9장 세계의 네오뱅킹 시장 - 용도별

  • 기업
  • 개인용
  • 기타

제10장 세계의 네오뱅킹 시장(지역별)

  • 북미
    • 미국
    • 캐나다
    • 멕시코
  • 유럽
    • 독일
    • 영국
    • 프랑스
    • 이탈리아
    • 스페인
    • 기타 유럽
  • 남미
    • 브라질
    • 아르헨티나
    • 기타 남미
  • 아시아태평양
    • 중국
    • 인도
    • 일본
    • 한국
    • 기타 아시아태평양
  • 중동 및 아프리카

제11장 세계의 네오뱅킹 시장 - 경쟁 상황

  • 경쟁 시나리오
  • 시장 현황 분석/점유율 분석
  • 인수합병(M&A) 분석

제12장 세계의 네오뱅킹 시장 - 기업 개요

  • SoFi Technologies, Inc.
    • 기업 개요
    • 용도 포트폴리오와 설명
    • 주요 하이라이트
    • 재무 개요
  • Monzo Bank Ltd
  • Atom Bank PLC
  • Nu Pagamentos S.A
  • Revolut Inc.
  • Tinkoff Bank
  • N26 GmbH
  • Ubank
  • Fidor Bank
  • WeBank Co., Ltd.

제13장 세계의 네오뱅킹 시장 - 프리미엄 인사이트

제14장 세계의 네오뱅킹 시장 - DataM

LSH 22.09.02

Market Overview

The global neobanking market was worth US$ XX million in 2021 and is estimated to reach US$ XX million by 2029, growing at a CAGR of XX% during the forecast period (2022-2029).

Neobanks are financial institutions that digitally offer a wide range of banking and financial services. Neobanks operate exclusively online without any physical infrastructure. Neobanks rely on the use of fintech to provide banking services. Neobanks typically provide all the major services traditional banking institutions offer, such as savings and checking accounts, credit cards, payment and fund transfer services, vehicle and personal loans, mortgages and investment and insurance products.

Due to their lack of physical presence, neobanks typically have lower operating costs. Therefore, they can offer many banking services at lower charges than traditional banks. With increased digital penetration and cheaper internet services, neobanks are becoming increasingly popular as an alternative to traditional banks and financial institutions.

Market Dynamics

The neobanking demand is mainly driven by the global demand for simplified banking services. Cybersecurity and data privacy concerns are key factors in limiting this market's growth.

Increasing global demand for simplified banking services

Growing dissatisfaction with traditional banking services is being observed globally. The dissatisfaction is more acute in developed regions such as North America and Europe. People face various hindrances in accessing traditional banking services. Cumbersome account opening process and hefty service charges lead to high customer dissatisfaction. Furthermore, traditional banking loans and other credit facilities are often exploitative and predatory, with high-interest rates, hidden charges and unethical debt collection methods.

The growing dissatisfaction with traditional banking has led to consumers' growing adoption of neobanking globally. Neobanks do not maintain any physical infrastructure and digitally present all their services. Neobanks generally have lower charges and a no-frills approach to offering banking services. Neobanks give utmost priority to customer service and satisfaction.

The penetration of smartphones and cheap internet services, especially in developing regions such as Africa and Asia-Pacific, leads to the growing adoption of neobanking services. Many young adults are opening their first bank accounts through neobanks, mainly due to the simplified digital process, which removes the hassle of cumbersome paperwork of traditional banks. The adoption of neobanking is likely to increase in the coming years due to rapid advances in financial technologies. The growing global demand for simplified banking services is a key driver for the growth of the global neobanking market

Cybersecurity and data privacy concerns

Neobanking services have proven popular due to their no-frills approach and simplified operating process. Neobanking relies heavily on adopting and integrating the latest digital technologies to improve customer experience. The heavy reliance on technology has raised concerns regarding cybersecurity and data privacy.

A lot of personal user data is required for opening and authenticating a bank account in the neobanks. Data privacy legislation has not yet caught up with advancements in technology. It raises concerns about the potential misuse of user data by neobanks. Similarly, cybersecurity is another major concern regarding neobank operations. Many neobanks are startups that are barely a few years old and rely heavily on venture capital funding for operations.

Neobanks may not have the funds to adopt the latest robust cybersecurity measures, leaving them vulnerable to cyberattacks. A cyberattack on a neobank could lead to catastrophic financial losses for the bank and its customers. Despite increased convenience, many people are hesitant to avail the services of neobanks due to security and privacy concerns. The cybersecurity and data privacy concerns limit the adoption of neobanking services and present a major challenge for the growth of the global market.

COVID-19 impact analysis

The COVID-19 pandemic had a positive impact on the global neobanking market. Normal routines and daily lives were disrupted due to the pandemic restrictions. Bank branches of traditional banks were closed and customers had to migrate to digital banking channels. Many customers of traditional banks faced difficulties in migration due to the cumbersome process and various bureaucratic policies instituted by banks.

The popularity of neobanks increased greatly during the pandemic. Since neobanks operate digitally without physical presence, the pandemic restrictions had minimal impact on operations. Many first-time customers opted to open accounts with neobanks for ease of use and increased convenience.

With the receding of the pandemic, neobanks face increasing competition from traditional banks and financial institutions. Many of them have utilized the pandemic experience to pursue digital-based growth strategies. Many traditional banks have rolled out digital banking services with zero balance and low service charges to compete with neobanks.

Although the COVID-19 pandemic positively impacted the global neobanking market, the market is expected to face significant challenges and increased competition. The pandemic is expected to aid the medium and long-term growth of the global neobanking market. The demand for neobanking services remains strong, especially in developing regions and the market is expected to grow significantly in the coming years.

Segment Analysis

The global neobanking market is segmented into account type, service, application and region. The neobanking market by account type is further segmented into business account and savings account. Savings account is leading in this segmentation since it is the most widely adopted neobanking account type.

Neobank's savings account offers many advantages for consumers over a traditional savings account. The consumer cannot maintain a balance within the account, whereas traditional banks have a minimum balance requirement. Furthermore, savings account-related services such as issuing debit cards and checkbooks are offered at modest and nominal rates instead of the hefty charges of traditional banks.

Consumers who maintain high account balances in neobank savings accounts are often made eligible for loans, credit cards and other financing options at extremely attractive interest rates. With the integration of the latest digital payment technologies, neobanks offer instant real-time payment and fund transfer services. Traditional banks have been slow in adopting new and emerging financial technologies, which has given a major competitive advantage to neobanks. Adopting savings accounts from neobanks is expected to accelerate in the coming years.

Geographical Analysis

Asia-Pacific has a leading regional share in the global neobanking market. Asia-Pacific is a rapidly industrializing region undergoing sustained economic growth. The region has a large tech-savvy young adult population, the main target demographic for neobanks. The adoption of emerging financial technologies is driving the growth of the neobanking market in Asia-Pacific. Many neobanks have emerged in the region in recent years. China, India, Malaysia, Taiwan and Singapore have some of the largest markets for neobanks.

Neobanks are formulating customized neobanking services to suit various income classes. Neobanks are offering simple, no-frills services to drive growth among first-time customers. Many governments in Asia-Pacific have rolled out national financial inclusion programs and neobanks have partnered with governments to provide banking services to the poor and unbanked.

The proliferation of smartphones and cheaper internet services across Asia-Pacific is a key factor in the growing popularity of neobanks in the region. With a large young population and rising technological innovation, Asia-Pacific is expected to become a key market for neobanking. The market for neobanking in Asia-Pacific is expected to expand significantly in the coming years.

Competitive Landscape

The global neobanking market is competitive due to the availability of various neobanking services that cater to different consumer requirements. Some major players contributing to growth in the market are Atom Bank PLC, Monzo Bank Ltd, SoFi Technologies, Inc., Nu Pagamentos S.A, Revolut Inc., Tinkoff Bank, N26 GmbH, Ubank, Fidor Bank and WeBank Co., Ltd. The players in the global neobanking market adopt several growth strategies such as launching new banking services, regional and global expansion, collaborations and government tie-ups to contribute to the growth of the industry.

SoFi Technologies, Inc.

Overview: SoFi Technologies, Inc. is a U.S.-based financial technology company offering various online banking and finance services. SoFi Technologies, Inc. was founded by a group of students at the Stanford Graduate School of Business with the goal of offering simplified banking services to the public. The company provides auto and student loans, home mortgages, investment and insurance products, personal loans, loan refinancing, credit cards and bank accounts. The company is currently expanding its user base by introducing new banking services. SoFi Technologies, Inc. was established in 2011 and is headquartered in San Francisco, California, U.S.

Product Portfolio

  • SoFi Checking Account is the company's flagship checking account for individuals and businesses. The account has no minimum balance fees and no overdraft charges. The account has an annual interest rate of 1.25%. The account also comes with a pre-loaded credit card which can be used at select partner stores to earn up to 15% cashback. The credit card can also be used to withdraw cash at a network of more than 55,000 ATMs across U.S.

Key Developments:

  • In April 2020, SoFi Technologies, Inc. acquired 8 Limited, a Hong Kong-based investment services company, for US$ 16.1 million. It was the company's first major acquisition outside U.S. and is intended to aid its expansion in Asia-Pacific.

Why Purchase the Report?

  • Visualize the composition of the neobanking market segmentation by the account type, service, application and region, highlighting the critical commercial assets and players.
  • Identify commercial opportunities in the neobanking market by analyzing trends and co-development deals.
  • Excel data sheet with thousands of global neobanking market-level 4/5 segmentation data points.
  • PDF report with the most relevant analysis cogently put together after exhaustive qualitative interviews and in-depth market study.
  • Product mapping in excel for the critical product of all major market players

The global neobanking market report would provide approximately 58 market data tables, 58 figures and 220 pages.

Target Audience 2022

  • Neobanking manufacturers
  • Wastewater treatment service providers
  • Oil and gas companies
  • Industry Investors/Investment Bankers
  • Education & Research Institutes
  • Research Professionals

Table of Contents

1. Global Neobanking Market Methodology and Scope

  • 1.1. Research Methodology
  • 1.2. Research Objective and Scope of the Report

2. Global Neobanking Market - Market Definition and Overview

3. Global Neobanking Market - Executive Summary

  • 3.1. Market Snippet by Account Type
  • 3.2. Market Snippet by Service
  • 3.3. Market Snippet by Application
  • 3.4. Market Snippet by Region

4. Global Neobanking Market-Market Dynamics

  • 4.1. Market Impacting Factors
    • 4.1.1. Drivers
      • 4.1.1.1. The increasing global drive for energy efficiency
      • 4.1.1.2. XX
    • 4.1.2. Restraints
      • 4.1.2.1. High costs of neobanking
      • 4.1.2.2. XX
    • 4.1.3. Opportunity
      • 4.1.3.1. XX
    • 4.1.4. Impact Analysis

5. Global Neobanking Market - Industry Analysis

  • 5.1. Porter's Five Forces Analysis
  • 5.2. Supply Chain Analysis
  • 5.3. Pricing Analysis
  • 5.4. Regulatory Analysis

6. Global Neobanking Market - COVID-19 Analysis

  • 6.1. Analysis of COVID-19 on the Market
    • 6.1.1. Before COVID-19 Market Scenario
    • 6.1.2. Present COVID-19 Market Scenario
    • 6.1.3. After COVID-19 or Future Scenario
  • 6.2. Pricing Dynamics Amid COVID-19
  • 6.3. Demand-Supply Spectrum
  • 6.4. Government Initiatives Related to the Market During Pandemic
  • 6.5. Manufacturers Strategic Initiatives
  • 6.6. Conclusion

7. Global Neobanking Market - By Account Type

  • 7.1. Introduction
    • 7.1.1. Market Size Analysis and Y-o-Y Growth Analysis (%), By Account Type
    • 7.1.2. Market Attractiveness Index, By Account Type
  • 7.2. Business Account
    • 7.2.1. Introduction
    • 7.2.2. Market Size Analysis and Y-o-Y Growth Analysis (%)
  • 7.3. Savings Account

8. Global Neobanking Market - By Service

  • 8.1. Introduction
    • 8.1.1. Market Size Analysis and Y-o-Y Growth Analysis (%), By Service
    • 8.1.2. Market Attractiveness Index, By Service
  • 8.2. Mobile Banking
    • 8.2.1. Introduction
    • 8.2.2. Market Size Analysis and Y-o-Y Growth Analysis (%)
  • 8.3. Payments and Money Transfer
  • 8.4. Checking/Savings Account
  • 8.5. Loans
  • 8.6. Others

9. Global Neobanking Market - By Application

  • 9.1. Introduction
    • 9.1.1. Market Size Analysis and Y-o-Y Growth Analysis (%), By Application
    • 9.1.2. Market Attractiveness Index, By Application
  • 9.2. Enterprise
    • 9.2.1. Introduction
    • 9.2.2. Market Size Analysis and Y-o-Y Growth Analysis (%)
  • 9.3. Personal
  • 9.4. Others

10. Global Neobanking Market - By Region

  • 10.1. Introduction
    • 10.1.1. Market Size Analysis and Y-o-Y Growth Analysis (%), By Region
    • 10.1.2. Market Attractiveness Index, By Region
  • 10.2. North America
    • 10.2.1. Introduction
    • 10.2.2. Key Region-Specific Dynamics
    • 10.2.3. Market Size Analysis and Y-o-Y Growth Analysis (%), By Account Type
    • 10.2.4. Market Size Analysis and Y-o-Y Growth Analysis (%), By Service
    • 10.2.5. Market Size Analysis and Y-o-Y Growth Analysis (%), By Application
    • 10.2.6. Market Size Analysis and Y-o-Y Growth Analysis (%), By Country
      • 10.2.6.1. U.S.
      • 10.2.6.2. Canada
      • 10.2.6.3. Mexico
  • 10.3. Europe
    • 10.3.1. Introduction
    • 10.3.2. Key Region-Specific Dynamics
    • 10.3.3. Market Size Analysis and Y-o-Y Growth Analysis (%), By Account Type
    • 10.3.4. Market Size Analysis and Y-o-Y Growth Analysis (%), By Service
    • 10.3.5. Market Size Analysis and Y-o-Y Growth Analysis (%), By Application
    • 10.3.6. Market Size Analysis and Y-o-Y Growth Analysis (%), By Country
      • 10.3.6.1. Germany
      • 10.3.6.2. UK
      • 10.3.6.3. France
      • 10.3.6.4. Italy
      • 10.3.6.5. Spain
      • 10.3.6.6. Rest of Europe
  • 10.4. South America
    • 10.4.1. Introduction
    • 10.4.2. Key Region-Specific Dynamics
    • 10.4.3. Market Size Analysis and Y-o-Y Growth Analysis (%), By Account Type
    • 10.4.4. Market Size Analysis and Y-o-Y Growth Analysis (%), By Service
    • 10.4.5. Market Size Analysis and Y-o-Y Growth Analysis (%), By Application
    • 10.4.6. Market Size Analysis and Y-o-Y Growth Analysis (%), By Country
      • 10.4.6.1. Brazil
      • 10.4.6.2. Argentina
      • 10.4.6.3. Rest of South America
  • 10.5. Asia-Pacific
    • 10.5.1. Introduction
    • 10.5.2. Key Region-Specific Dynamics
    • 10.5.3. Market Size Analysis and Y-o-Y Growth Analysis (%), By Account Type
    • 10.5.4. Market Size Analysis and Y-o-Y Growth Analysis (%), By Service
    • 10.5.5. Market Size Analysis and Y-o-Y Growth Analysis (%), By Application
    • 10.5.6. Market Size Analysis and Y-o-Y Growth Analysis (%), By Country
      • 10.5.6.1. China
      • 10.5.6.2. India
      • 10.5.6.3. Japan
      • 10.5.6.4. South Korea
      • 10.5.6.5. Rest of Asia-Pacific
  • 10.6. Middle East and Africa
    • 10.6.1. Introduction
    • 10.6.2. Key Region-Specific Dynamics
    • 10.6.3. Market Size Analysis and Y-o-Y Growth Analysis (%), By Account Type
    • 10.6.4. Market Size Analysis and Y-o-Y Growth Analysis (%), By Service
    • 10.6.5. Market Size Analysis and Y-o-Y Growth Analysis (%), By Application

11. Global Neobanking Market - Competitive Landscape

  • 11.1. Competitive Scenario
  • 11.2. Market Positioning/Share Analysis
  • 11.3. Mergers and Acquisitions Analysis

12. Global Neobanking Market- Company Profiles

  • 12.1. SoFi Technologies, Inc.
    • 12.1.1. Company Overview
    • 12.1.2. Application Portfolio and Description
    • 12.1.3. Key Highlights
    • 12.1.4. Financial Overview
  • 12.2. Monzo Bank Ltd
  • 12.3. Atom Bank PLC
  • 12.4. Nu Pagamentos S.A
  • 12.5. Revolut Inc.
  • 12.6. Tinkoff Bank
  • 12.7. N26 GmbH
  • 12.8. Ubank
  • 12.9. Fidor Bank
  • 12.10. WeBank Co., Ltd.

LIST NOT EXHAUSTIVE

13. Global Neobanking Market - Premium Insights

14. Global Neobanking Market - DataM

  • 14.1. Appendix
  • 14.2. About Us and Services
  • 14.3. Contact Us
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