2022年12月27日

这个iframe包含处理Ajax驱动的引力所需的逻辑形式。与裁员和削减经费,经济已经从葡萄葡萄干,和数字的银行,似乎越来越短的公平的待遇。挑战者号银行的生存总是有点问题mark-y话题,但由于当前经济低迷,他们未来的相关性的问题变得更加明显。上个月,CB见解发布了挑德赢体育vwin官方网站战者银行剧本,这看着六个数字银行的现状和前景,包括原子银行Monzo, Revolut,燕八哥,N26和串联。而数字银行成功地达到消费者的习惯,保持动力是一个完全不同的故事。从资金疙瘩charterful与charterless路线成功,这就是等待挑战者的银行,在四个图表。电子银行的资金乐趣结束?欧洲其公平份额的主要挑战者银行到目前为止,包括Revolut N26,燕八哥,Monzo,原子银行,串联。在2014年和今年11月中旬,这些数字银行成功地得到了超过3700万的客户,提高超过60亿美元。今年,事情已经把资金乐趣,与这些挑战者只筹集了1.02亿美元的11月3日,自2014年以来的最低水平。 And then there are the things happening in the background, whether it’s Starling letting the public accounts committee know that over a third of the bounce back loans it approved during the pandemic are at risk of default , or Monzo’s numerous hiccups with regulations and banking rules. That and the fact that Monzo, Revolut and Starling have all been seeing an increase in scams this year. Tough days for digital banking startups All startups are seeing a hit in funding right now, with global venture funding decreasing by 34% QoQ in Q3’22. And fintechs may have experienced the biggest slap of them all: in Q3 of this year, fintechs accounted for 17% of all tech funding – down from 25% in Q2’21. Banking-focused fintechs, meanwhile, raised $1.2 billion in Q3’22 – an 83% drop YoY. You don’t need a charter to be popular Still, there’s no question that digital banking has made it into consumers’ habits. Interestingly, the challenger banks that have seen the biggest growth in user base are the ones that didn’t put focus early on on getting a charter, but rather on organic growth. Today, Revolut, N26 and Monzo have a collective user base of 34 million as of November this year. Starling, Tandem and Atom Bank, which did get chartered, have about a third of that. The rise of embedded finance: what it means for challenger banks That’s not to say that putting a focus on getting a charter is the wrong move for challenger banks. In fact, it may give them an edge over competitors. This seems to be the case when looking at embedded finance, where there is growing interest. For challenger banks, offering banking-as-a-service products could be a viable new revenue stream. And in this case, challengers that took the time to get a banking license may have an edge, as they can offer a fuller suite of products.