{"id":29881,"date":"2021-06-03T21:49:20","date_gmt":"2021-06-03T19:49:20","guid":{"rendered":"https:\/\/www.investglass.com\/?p=29881"},"modified":"2026-04-23T12:58:55","modified_gmt":"2026-04-23T10:58:55","slug":"costruire-il-proprio-futuro-quale-banca-avviare","status":"publish","type":"post","link":"https:\/\/www.investglass.com\/it\/building-your-future-what-bank-should-you-start\/","title":{"rendered":"Costruire il proprio futuro: Quale banca avviare?"},"content":{"rendered":"<p>Non \u00e8 mai troppo tardi per iniziare a costruire il proprio futuro, quindi \u00e8 importante trovare il giusto partner bancario. In questo articolo esploreremo alcuni degli aspetti da considerare prima di aprire un conto corrente.<\/p>\n<p>Distinguiamo quattro tipi di nuove banche.<\/p>\n<\/p>\n<h2 class=\"wp-block-heading\" id=\"h-neo-banks-for-saving-account-and-more\">Neo banche per il conto di risparmio e altro<\/h2>\n<p>Le neobanche di solito non hanno una licenza bancaria, ma collaborano con le banche per offrire servizi. Le neobanche richiedono ai clienti di avere un conto corrente esistente e offrono una migliore esperienza all'utente. L'esperienza dell'utente \u00e8 fondamentale per facilitare l'apertura del conto. Un istituto finanziario pu\u00f2 richiedere una licenza bancaria nel Paese e poi offrire diversi tipi di conti. Queste banche hanno solitamente molte pi\u00f9 funzioni rispetto alle neobanche: offrono conti di risparmio, servizi di conto corrente e prestiti. Forse sapete che - <a href=\"https:\/\/www.webank.it\/\">WeBank<\/a> da <a href=\"https:\/\/www.tencent.com\/en-us\/about.html\">Tencent<\/a>, Yolt e Moven sono esempi di neo-banche.<\/p>\n<\/p>\n<p><a href=\"https:\/\/www.google.com\">Azaret Metrio Zintos<\/a><\/p>\n<h2 class=\"wp-block-heading\" id=\"h-the-new-banks-with-the-whole-old-bank-service-from-saving-money-savings-accounts-to-trading\">Le nuove banche con tutti i vecchi servizi bancari, dal risparmio, ai conti di risparmio, al trading.<\/h2>\n<p>Le nuove banche hanno licenze bancarie complete e offrono gli stessi servizi delle banche tradizionali. Tra queste vi sono Monzo, N26, MyBank, Starling Bank e Revolut. Stanno lottando per ottenere l'indipendenza dalle strutture tradizionali e di solito collaborano con le banche locali di primo livello. <a href=\"https:\/\/www.investglass.com\/it\/le-applicazioni-trasformative-dellai-nel-marketing-delle-banche\/\" target=\"_blank\" rel=\"noopener\" data-wpil-monitor-id=\"2338\">banche quando devono aprire un nuovo mercato<\/a>. Ad esempio Revolut con Credit Suisse in Svizzera. Queste banche dovranno gestire le aspettative dell'autorit\u00e0 di condotta finanziaria e dell'autorit\u00e0 di regolamentazione prudenziale.<\/p>\n<\/p>\n<h2 class=\"wp-block-heading\" id=\"h-the-non-bank-account-non-banks\">Il \u201cconto non bancario\u201d <strong>Non bancari<\/strong><\/h2>\n<p>Queste banche non hanno legami con le licenze bancarie tradizionali. Forniranno invece servizi finanziari con altri mezzi. Questo modello unico permette all'azienda di operare indipendentemente dalle banche esistenti.<\/p>\n<p>Di solito dispongono di una forte tecnologia informatica per gli addebiti diretti, ma non offrono consulenza indipendente o prodotti finanziari.<\/p>\n<h2 class=\"wp-block-heading\" id=\"h-the-beta-banks-with-savings-account-and-more-beta-banks\">Le banche Beta - con conto di risparmio e altro <strong>Banche Beta<\/strong><\/h2>\n<p>Joint venture e banche controllate che offrono servizi finanziari attraverso la licenza della casa madre. Le banche beta sono spesso create per entrare in nuovi mercati. Ad esempio AiBank (China'sCITIC Bank Corp e Baidu) e Simple (Bancorp e BBVA). Queste banche hanno un proprio ecosistema che collega con le loro API nuovi modelli di business, nuove esperienze per i clienti e offrono connessioni a istituzioni finanziarie di terze parti.<\/p>","protected":false},"excerpt":{"rendered":"<p>It&#8217;s never too late to start building your future, so it is important to get the right banking partner. In this article, we&#8217;ll explore some of the things you should consider before starting a bank account. We distinguish four types of new banks. Neo banks for saving account and more Neo banks usually do not [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":29882,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[35,37],"class_list":["post-29881","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article","tag-crm-for-banking","tag-neobank"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6.1 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Create a Neobank: A Beginner&#039;s Guide | InvestGlass<\/title>\n<meta name=\"description\" content=\"Building Your Future: What Bank Should You Start? 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