Miguel Lopes Jorge (2021) Neo Banks and Traditional Banks. Pénzügyi és Számviteli Kar.
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Absztrakt (kivonat)
Technological disruption in this industrial 4th revolution made the people advance their lifestyle. This disruption not only affected their lifestyle but also affected many other things. For instance, the company is transforming its business towards artificial intelligence to meet customer expectations. One of the perfect examples is FinTech. FinTech stands for Financial Technology, which means “technologically enabled financial innovation that could result in new business models, applications, processes, or products with an associated material effect on financial markets and institutions and the provision of financial services”. Sometimes people get confused with the terms neo bank and FinTech. Both are interlinked. Neo bank is specifically a challenger bank based on FinTech that offers innovative software, interactive apps, and other technologies to their customers to access either through mobile banking or online banking systems. More than 200 neo banks are operating all over the world and, they provide a lot of features where users can access just through the phone. The new technologies are attractive and provide a dashboard where users can see the aggregate optimal solution for their financial planning. They can do quick transfers or even get notifications of their activities by SMS and mail. Overall, it is transparent, works in real-time. In this paper, four neo banks are investigated and found that all neo banks are moving toward the new trends such as blockchain, working on Artificial intelligence, cloud computing, where it has a lot of space for innovation and new business opportunities. The main idea of the neo bank is to provide value to the customers whereas, traditional banks only balance the financial sheets. An online survey has been done to know the craze and adoption of the neo banks, where 103 participants participated in the survey. The results are mainly surprising, where 57.8 % of people prefer to use mobile banking, compared to online banking that is about 38.2%. 33.33% male and 43.39 % female voted that the services available in the neo bank are very innovative. This neo bank is changing the banking systems of the customers with the pace and speed it is spreading. One day this will be available globally.
Intézmény
Budapesti Gazdasági Egyetem
Kar
Tanszék
Pénzügy Tanszék
Tudományterület/tudományág
NEM RÉSZLETEZETT
Szak
| Mű típusa: | diplomadolgozat (NEM RÉSZLETEZETT) |
|---|---|
| Kulcsszavak: | accounting information systems, bank, corporate finance, finance, technology |
| SWORD Depositor: | Archive User |
| Felhasználói azonosító szám (ID): | Archive User |
| Rekord készítés dátuma: | 2022. Okt. 03. 08:53 |
| Utolsó módosítás: | 2022. Okt. 03. 08:53 |
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