全球新银行业务市场前景及投资研究报告-培训课件外文版2024.5

DIGITAL

&TRENDSNeobankingMarket

InsightsreportMAY

2023Table

of

ContentsOverviewAppendixMarketDefinition567ProductOverviewAuthor2127CustomerBenefitandMarketDevelopmentAssumptionsandTrendsMarket

NumbersRevenue

by

MarketAverageRevenue

per

UserUsers91113151618Penetration

rateCompanyProfilesDeepdives2MARKET

INSIGHTSThis

report

is

part

ofour

Market

Insights

productGainabetterunderstandingofmarketsacross190+

geographicalentities

–

onaglobal,

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Market

Insightscom/outlook/3CHAPTER

1OverviewNeobanking

is

an

important

part

of

the

FinTech

MarketOverview:

Market

DefinitionMarket

definitionInscopeOutof

scopeAneobankisatypeofchallenger

bank

thatsolely

operates

digitally.Neobanks

arenewly

established

banksthatdonotbelong

tolargeconventional

banks.They

donot

haveany

physical

branchesandcanprovide

theirservices

bothviamobile

anddesktop

devices.

They

requiretheirclientstogothroughadigitalonboarding

process,

which

ismostfrequently

done

viaasmartphone.

Neobanks

canbeoftwo

types:

thosewhich

haveabanking

license

and

those

thatdo

not.Thismarketincludes:Thismarket

excludes:•Conventional

banksthatoffer

onlinebankingservices•

Banksthatoperate

solely

inthedigitalspaceandrequire

digitalonboarding•Tech

companies

thatintegrate

onlinepayment

servicesinto

theirapps(e.g.,WeChat)•Onlinebanksthatwere

established

byconventional

banks•Banksthathavephysical

branchesto

serve

theirclients•Banksthatrequire

apersonal

visittoopen

anaccount•Micro-investment

apps(mostly

viaasmartphone)Keyplayers

inthismarket:

Revolut,

Chime,

Nubank,

N26,

and

Monzo.•Money

management

apps•Peer-to-peer

lenders5Sources:Market

Insights

2023Revolutionizing

the

banking

industry:

How

neobanks

are

changing

the

way

wemanage

moneyOverview:

Customer

Benefit

andMarket

DevelopmentCustomer

benefitsMarket

sizeandfuturedevelopmentNeobanks

offer

arangeofbenefits

to

customers

including:Theglobaltransaction

valueintheNeobanking

market

cametoUS$3.21

trillion

in2022.•

Convenience:

Neobanks

offer

customers

theabilitytoaccess

theiraccountsandconducttransactionsonline

or

throughamobile

app,

making

iteasy

to

managetheirfinancesonthego.By

global

comparison,

with

US$1.46

trillion,Europe

hadthetoptransaction

valuein2022.

TheU.S.

comes

insecond,

having

generated

atransaction

valueofUS$1.07trillion.

Thelowest

transaction

valuegenerated

was

inChina,which

was

US$17.9billion.

WithinEurope,

thehighest

transactionvalues

camefrom

theUnitedKingdomand

France,

with

transactionvalues

totalingtoUS$527.3

billion

andUS$179.1

billion,respectively.•

Lower

fees:

Asneobanksdonot

havethe

same

overhead

costsastraditionalbanks,they

maybeableto

offer

lower

fees

and/oroffer

higherinterest

ratesondeposits.•

Enhancedsecurity:

Neobanks

often

useadvancedsecurity

measures

toprotectWithaCAGR(1)

of25%,

Europe

isforecast

to

havethestrongest

annualgrowth

ratebetween

2022

and2027

andisexpected

to

generate

amarket

volume

of

US$4.45billion

by2027.customers'

personal

andfinancialinformation.•

Customization:

Neobanksmay

offer

customizable

features

suchas

personalizedfinancialgoalsand

theabilityto

set

upcustomalerts.TheU.S.isprojected

tohaveanaverage

annualgrowth

rateof

19.3%

(2022–2027)andatotalmarket

volume

of

US$2.6

trillion

by2027.•

Better

budgeting

tools:

Some

neobanks

offerbudgetingtools

and

financialmanagement

features

tohelpcustomers

track

theirspendingandsavemoney.China

is

expected

tosee

aCAGR(1)

of

25.9%

(2022–2027)

andatotalmarket

volumeof

US$56.5

billionby2027.6Notes(1)

CAGR:

Compound

Annual

GrowthRate/average

growthrate

per

yearMarket

Insights

2023Sources:Disruptive

innovations:

Unlocking

the

futureof

neobanking

through

changingconsumer

behavior

and

emerging

market

trendsOverview:

AssumptionsandTrendsAssumptionsTrendsNeobanking

refers

toanew

typeof

financialservices

provider

thatoperates

purelyonline,

withafocuson

providing

innovativedigitalbanking

services

to

consumers.TheNeobanking

market

isexperiencing

rapid

growth

and

isexpected

to

continuethistrend

inthefuture.Some

ofthemarket

trendsand

futuredevelopments

thatarelikely

toshapetheneobanking

industryinthecoming

years

includepartnershipswith

traditionalbanks,expansion

services,

andregulations.Consumer

assumptionsabouttheNeobanking

market

includeadesire

foreasy

andconvenient

access

tofinancialservices

throughdigitalchannels,apreference

forlower

fees

and

greater

transparency,andawillingness

totrynew

andinnovativefinancialproducts.

Neobanksappeal

to

arange

ofdifferent

consumers,

includingmillennials

and

younger

generations,

who

aremore

comfortable

with

digitaltechnologies

andseek

greater

control

over

theirfinanciallives,

aswell

astech-savvyconsumers

who

areopen

to

usingnew

financialproductsandservices.•

Partnershipswith

traditionalbanks:Asneobanks

continueto

grow,

some

arepartnering

with

traditionalbankstoexpandtheirservices

andreach.

Thistrendisexpected

to

continueas

traditionalbankslook

to

collaborate

with

neobankstoremain

competitive

inthe

digitalage.•

Expansionof

services:

Neobanksare

likely

toexpandtheirservices

beyondtraditionalbankingproducts

and

services

to

includeadditionalfinancialproducts,e.g.,loans,insurance,andinvestment

products.Themarket

forneobanksisexpected

to

continuetogrow

inthecoming

years

asmore

consumers

shifttowards

digitalbankingsolutionsandtraditionalbanksseektoadaptto

changingconsumer

preferences.

Asneobanks

continueto

expand

theirservices

andreach,

theymay

alsobegin

to

compete

more

directly

withtraditionalbanks,potentially

disruptingtheentire

financialservices

industry.•

Regulations:

AstheNeobanking

market

continuestogrow,

regulators

arelikelytoincrease

theirscrutiny

oftheindustryto

ensure

thatconsumers

areadequately

protected.

Thiscouldresult

innew

regulations

andcompliancerequirements

forneobanks.7Sources:Market

Insights

2023Neobanking’s

transaction

value

is

estimated

to

increase

at

a

CAGR(1)

of

43.8%from2017

to

2027Market

Size:

GlobalTransaction

valueforecast

inbillionUS$8,862.57,995.86,996.15,841.5+43.8%(1)4,533.13,210.62,455.120211,441.52020816.92019448.02018234.720172022202320242025202620278Notes:(1)

AUM:

Assets

under

Management

(2)

CAGR:

Compound

Annual

GrowthRate

/average

growthrateperyearMarket

Insights

2023Sources:With

a

CAGR(1)

of

25.9%,

China

showed

the

biggest

growth

when

it

came

toneobanking’s

transaction

value

in

2022Market

Size:

Regional

Comparison

(1/2)Transaction

valueforecast

inbillionUS$+25.0%(1)4,457.6+19.3%(1)2,600.5+21.7%(1)1,747.920271,462.320221,075.12022655.32022+25.9%(1)17.956.52027202720222027EuropeU.S.ROW(2)China9Notes:(1)

CAGR:

Compound

Annual

GrowthRate/average

growthrate

per

year(2)

ROW:

Restofthe

WorldMarket

Insights

2023Sources:With

a

transaction

value

of

US$527.3

billion

in

2022,

the

United

Kingdom

is

thebiggest

market

amongselected

countriesMarket

Size:

Regional

Comparison

(2/2)Transaction

valueforecast

inbillionUS$+24.5%(1)1,578.0+26.6%(1)975.3+24.9%(1)544.5+21.7%(1)433.4+26.8%(1)357.9527.32022299.72022179.12022162.3109.32027202720272022202720222027United

KingdomRussiaFranceBrazilJapan10

Notes:Sources:(1)

CAGR:

Compound

Annual

GrowthRate/average

growthrate

per

yearMarket

Insights

2023As

of

2022,

the

United

States

hasthe

highest

average

transaction

value

per

userin

the

Neobanking

marketAverage

transaction

valueperUser:

Regional

Comparison

(1/2)Averagetransaction

valueuserforecast

inUS$202225,96520227,556202224,579202223,096U.SChinaROWEurope2027202733,184202710,113202740,52835,86611

Notes:Sources:Market

Insights

2023Neobank

users

in

the

UK

has

the

highest

transaction

value

among

selectedcountries

in

2022Average

transaction

valueperUser:

Regional

Comparison

(2/2)Averagetransaction

valueperuserforecast

inUS$2022202737,0222022202726,0002022202727,868UKFranceJapan55,95238,64347,080202220274,2432022202717,342BrazilRussia25,4635,81112

Notes:Sources:Market

Insights

2023Itis

expectedthat

the

number

of

neobanking

users

in

Europe

will

reach

124.3million

by

2027User

numbers:

Regional

Comparison

(1/2)Numberofusersforecast

inmillions172.8+15%124.3+16%86.7+14%78.459.541.4+14%0.71.420222027202220272022202720222027EuropeU.SROW

(2)China13

Notes:Sources:(1)

CAGR:

Compound

Annual

GrowthRate/average

growthrate

per

year,

(2)

ROW

:Restofthe

WorldMarket

Insights

2023Among

selected

countries,

Brazil

had

the

highest

adopters

in

the

Neobankingmarket

in

2022Market

size:

Regional

Comparison

(2/2)Numberofusersforecast

inmillions14.3%(1)+17%(1)74.6+15%(1)38.328.2+15%(1)38.2+14%(1)17.314.114.26.97.63.92022202720222027202220272022202720222027UKRussiaFranceBrazilJapan14

Notes:Sources:(1)

CAGR:

Compound

Annual

GrowthRate/average

growthrate

per

yearMarket

Insights

2023Penetration

rate(1)

for

Neobanking

is

especially

high

in

Ireland

and

inLuxembourgPenetration

Rates:

Global

ComparisonDigital

Investmentsuserpenetration

rate

in2022lowhigh

nodata15

Notes:Sources:(1)

UserPenetration

Rateis

the

shareofactive

paying

customers

(oraccounts)

fromthe

total

population

ofthe

selected

market(marketsegment,

region)foreach

year.Market

Insights

2023Nubank

has

become

Latin

America’s

most

valuable

FinTech

in

a

matter

of

yearsCompany

Profiles:

Nubank(1/2)Coinbase

keyfactsProduct:

cryptocurrency

exchange

platformRevenue:

US$7.8

billion(2021)Net

income:

US$3.6

billion(2021)Founded:

2012CAGR(1):

283.2%

(2019–2021)Coinbaseoperates

thebiggestcryptocurrency

exchangeintheUnitedStatesand,interms

of

revenue,

isthesecond-biggest

platformworldwide.

Users

caninvest

inover

9,500

digitalassets,suchas

Bitcoin

andEthereum,

and

takeadvantageof

thehighvolatility

and

potential

valuegainswhich

areinherent

to

thisasset

class.Coinbasealsoactsasacustodianfortheuser’s

assets,which

are

stored

securely

inacryptocurrency

wallet.

Inthewake

ofcryptocurrency

finding

more

mainstreamapproval,loansbacked

byBitcoin

havebeen

added

to

theproductlineup

offeredbyCoinbase.Users:

103

million(2022)Headquarters:

Distributed,remote-firstSupported

countriesCoinbase’s

digitalstrategyWhatisremarkable

aboutCoinbaseisitsembrace

ofdifferent

modalities

foruserstointeract

withtheplatform,offering

bothaweb-based

interface

and

amobile

appthatcanbeused

seamlessly.

Astheassetsowned

byusers,which

theSECclassifiessimilarly

asstocks,

canhavesubstantialvalue,Coinbasecomplies

with

strictsecurity

standardsand

AML-KYC(2)

laws.

Coinbasehasexpanded

to

many

crypto-friendly

jurisdictionswith

highinternet

penetration

andcryptoownership

aroundthe

world,

givingitasignificantadvantageover

many

localized

competitors.16

Notes:(1)

CAGR:

Compound

Annual

GrowthRate,(2)

AML-KYC:

Anti-Money

Laundering

Know

Your

CustomerSources:

Company

informationNubank

boasts

a

significantly

larger

customer

base

than

competitor

neobanksCompany

Profiles:

Nubank(2/2)Numberofcustomers

ofselectedneobanksinmillions65201286MonzoN26ChimeRevolutNubank17

Notes:Mostrecentfigures

forcustomers

in

2022,

except

forChime,

forwhich

figures

wereonly

available

for2021Sources:

Company

information:

Business

ofAppsFollowing

years

of

aggressive

customer

acquisition,

challenger

banks

areexperiencing

a

wave

of

fraudDeep

dive:

NeobankingFinTech’s

biggestproblem

isfraud–particularly

inthecase

ofneobanksFraudcomplaints

from

customers

at

UK

neobanks782175Inthe

early

years,

neobanksprimarily

focused

on

customer

acquisitionandgrowthtoreach

profitability.

However,

alack

ofeffort

to

develop

compliance

andKYC-AML(1)

systems

hasled

to

noticeable

increases

infraudcomplaintsandregulatorshavestarted

levying

bigfines.

Falsepositives

are

leadingtoaccountclosures

andthe

spike

indissatisfiedcustomers

now

jeopardizes

the

mission

to

provide

superiorcustomer

experience

atlower

costs

compared

totraditionalbanks.4521212554263956985“Look

atchallenger

banks

underthehood.

Theiranti-money

laundering(AML)andfinancialcrime

detection

systems

are

the

same

astraditionalbanks’…These

engines

areso

inefficient

that

only1%

ofsuspiciousactivityisstopped.Overall,

95%

of

those[accountsor

transactions]

flaggedare

falsepositives.

It’sahugeproblem

forchallenger

banks…Any

[other]

system

thathasa99%

fault

rate,you

would

kickout.”17817419712914421873526842163157113615H22019H12020H22020StarlingH12021H22021H12022–Georg

Hauer,former

general

manager

atN26MonzoRevolut18

Notes:(1)

Anti-Money

Laundering

and

Know

YourCustomerSources:

Sifted;

UKFinancial

Ombudsman

ServiceNeobanks

employ

various

systems

to

combat

ever-evolving

fraud

schemesDeep

dive:

NeobankingStepstaken

by

Revolut‘sfraud

preventionsystem

tocheckatransaction’s

legitimacyCustomers

areinformed

abouttherisksofmakingpaymentsbyinteractive

stories.

Revolut

asserts

thatitis95%

effective

atpreventing

fraud.When

sending

funds

toanewrecipient,

the

appaskswhether

the

sender

knows

and

truststherecipient,

and

ifthe

names

mismatch,theapp

displaysawarning.Ifatransferis

classified

assuspicious,

in-appwarningswillbedisplayed,and

sometimes

thetransferwill

beblockedtokeep

thecustomer’s

money

safe.Forpayments

deemed

athigherrisk

of

scamactivity,customers

are

required

to

enter

a“forced

chat”

flow

withaRevolut

agent

before

they

areprocessed.19Sources:

Sifted;

Company

informationAPPENDIX••Product

OverviewAuthorMARKET

INSIGHTSMarket

Insights

–

market

data,forecasts,

and

qualitative

insightsGainabetterunderstandingofmarketsacross190+

geographicalentities

–

onaglobal,

regional,country,

and/orstatelevel.

Accessourdatavia

webinterface,download(XLS,

PDF,PPT),or

reports.Benefitfromour48-hourcustomerservice

guarantee.•

10

sectors:

advertising&media,consumers,countries,digital

sector,finance,health,

industrialsector,mobility,andtechnology•

1,000+

markets,

e.g.,

FinTech,Food,or

Robotics•

KPIs,

e.g.,

revenue,marketshares,prices,andvolume•

Features:Compare

countries®ions,

change

currencies,

selectvisualizations,

and/or

customize

downloads•

Usecases:

sales

planning,

investment

decision

support,resourceallocation,andportfolio

management10sectors190+geographicalentities1,000+markets400+reportsFind

out

more

on:https://www.Goto

Market

Insightscom/marketinsights21MARKET

INSIGHTSMarket

Insights

–

Marktdaten,Prognosen

und

qualitative

EinblickeVerschaffenSiesich

einenÜberblicküberMärkteinmehrals190

geografischenGebieten–

auf

globaler,

regionaler,

Länder-

und/oder

Bundesstaatenebene.GreifenSieaufunsereDatenübereineWebschnittstelle,alsDownload

(XLS,

PDF,PPT)oderalsReportzu.NutzenSieunsere48-Stunden-Kundenservice-Garantie.•

10

Bereiche:Werbung&Medien,

Verbraucher:innen,

Länder,

digitalerSektor,

Finanzen,

Gesundheit,

Industrie,

Mobilität

undTechnologie•

1.000+

Märkte,

z.B.FinTech,LebensmitteloderRobotik•

KPIs,

z.B.Umsatz,Marktanteile,

PreiseundVolumen•

Features:

Länder

undRegionen

vergleichen,Währungen

ändern,Visualisierungenauswählenund/oderDownloadspersonalisieren•

Anwendungsfälle:

Vertriebsplanung,

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undPortfoliomanagement10Bereiche190+geografischeGebiete1.000+Märkte400+ReporteWeiter

zudenMarket

InsightsMehr

Informationen

unter:https://de.

com/marketinsights22CONSUMER

INSIGHTSUnderstand

what

drivesconsumersGainabetterunderstandingofconsumers,brands,andmarkets.WiththeConsumer

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youget

access

tostreamlinedmarketresearchtoolsandallresultsoftheexclusivesurveys.

Leverage

consumerinsightstomakedata-drivendecisions

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TrackbrandKPIs•

Analyzecompetitivelandscapes•

Monitorconsumertrendsglobally2,000,000+interviews563.5bn+consumersrepresented15,000+internationalbrands500+topics&industriesFind

out

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Insightscountries&territoriescom/global-consumer-survey23CONSUMER

INSIGHTSVerstehen,

wasKonsument:innen

bewegtVerschaffenSiesich

einbesseresBildvon

Konsument:innen,MarkenundMärkten.Mit

denerhaltenSieZugriff

aufeffektiveMarktforschungstoolsundalleErgebnissederexklusiven

Umfragen.

NutzenSieConsumer

InsightsVerbrauchereinblicke,

umdatengetriebeneEntscheidungenzutreffen,

underschließen

SieneueWachstumsmöglichkeiten.•

ErmittelnundverstehenSieIhrewichtigstenZielgruppen•

Messen

SiedieKPIsIhrer

Marke•

AnalysierenSiedieWettbewerbslandschaft•

Verfolgen

SieVerbrauchertrends

aufglobalerEbene2.000.000+Interviews563,5

Mrd.+repräsentierteKonsument:innen15.000+internationaleMarken500+Themen&BranchenWeiterzudenConsumer

InsightsMehr

Informationen

unter:de.

com/global-consumer-surveyLänder

&GebieteCOMPANY

INSIGHTSGain

insights

into

over70

million

compani