Сучасний стан необанкінгу в США та країнах Європи

Abstract

The purpose of the article is to study the current state and trends of neobanking in the United States and European countries. It is noted that the world highest indicator of the number of customers who have bank accounts exclusively in digital format was recorded in the United States. A further increase in the number of such clients is predicted, firstly, due to the existing potential of the population, and secondly, due to the increase in the number of banks that conduct operations exclusively in digital format. In 2022, the value of neobanking transactions in the United States should reach 1.2 trillion U.S. Dollar, and in 2017 it amounted slightly over 9.0 billion U.S. Dollar. The cost of a transaction per user of neobanking in 2021 was on average about 25 thousand U.S. Dollar per year and showed a tendency to grow. At the beginning of 2022, 60 neobanks were registered in the United States. It is noted that in Europe the first neobanks began to appear in 2015, and financial companies in the UK, Germany, France and Finland were the leaders of a new movement – the fintech industry. Over time, this trend has spread to other European countries, where there are now more than 70 neobanks. The positive dynamics of the number of consumers of neobank services is formed due to a number of advantages, including not only online service. Neobanks have the following advantages compared to traditional banks: they offer more attractive interest rates on deposits due to savings on the maintenance of branches and employees; they have a simplified process of granting loans through the use of modern technologies for assessing the credit risk of customers; they offer lower tariffs, sometimes there are no fees for card service and money transfers; they have fundamentally new solutions for conventional banking services, providing services for automatic analysis of account transactions and offering users of accounts personalized financial solutions. It is concluded that the main trends in the digital banking market in Europe are the following: focus on national markets; vital activities of traditional banks to expand digital banking services; gradual transformation of neobanks into full-fledged banking institutions.