{"id":38124,"date":"2023-08-25T14:57:53","date_gmt":"2023-08-25T12:57:53","guid":{"rendered":"https:\/\/www.investglass.com\/?p=38124"},"modified":"2025-03-26T06:12:16","modified_gmt":"2025-03-26T05:12:16","slug":"%e4%b8%96%e7%95%8c400%e3%81%ae%e3%83%8d%e3%82%aa%e3%83%90%e3%83%b3%e3%82%af%e3%81%ae%e3%81%86%e3%81%a1%e3%80%81%e3%83%87%e3%82%b8%e3%82%bf%e3%83%ab%e3%83%bb%e3%83%90%e3%83%b3%e3%82%ad%e3%83%b3","status":"publish","type":"post","link":"https:\/\/www.investglass.com\/ja\/less-than-5-of-the-worlds-400-neobanks-are-profitable-the-digital-banking-conundrum\/","title":{"rendered":"\u4e16\u754c400\u306e\u30cd\u30aa\u30d0\u30f3\u30af\u306e\u3046\u3061\u9ed2\u5b57\u306f5%\u672a\u6e80\uff1a\u30c7\u30b8\u30bf\u30eb\u30d0\u30f3\u30ad\u30f3\u30b0\u306e\u96e3\u554f"},"content":{"rendered":"

\u9280\u884c\u696d\u754c\u306f\u3001\u30c7\u30b8\u30bf\u30eb\u30fb\u30d0\u30f3\u30af\u306e\u53f0\u982d\u3092\u4e3b\u306a\u8981\u56e0\u3068\u3057\u3066\u3001\u91d1\u878d\u6a5f\u95a2\u306e\u4f1d\u7d71\u7684\u306a\u898f\u7bc4\u3092\u518d\u69cb\u7bc9\u3057\u3064\u3064\u3042\u308b\u3002\u3053\u306e10\u5e74\u9593\u3067\u3001\u30c7\u30b8\u30bf\u30eb\u30fb\u30d0\u30f3\u30ad\u30f3\u30b0\u3067\u512a\u308c\u305f\u9867\u5ba2\u4f53\u9a13\u3092\u63d0\u4f9b\u3057\u3088\u3046\u3068\u3059\u308b\u30d0\u30fc\u30c1\u30e3\u30eb\u30fb\u30d0\u30f3\u30af\u304c\u6025\u5897\u3057\u305f\u3002\u3057\u304b\u3057\u3001\u30c7\u30b8\u30bf\u30eb\u5c02\u7528\u9280\u884c\u304c\u4e71\u7acb\u3059\u308b\u4e2d\u3001\u6700\u8fd1\u306e\u8abf\u67fb\u306b\u3088\u308b\u3068\u3001\u3053\u308c\u3089\u306e\u30cd\u30aa\u30d0\u30f3\u30af\u306e\u3046\u3061\u3001\u53ce\u76ca\u6027\u3092\u9054\u6210\u3067\u304d\u305f\u306e\u306f5%\u306b\u3082\u6e80\u305f\u306a\u3044\u3002\u3053\u306e\u3053\u3068\u306f\u91cd\u8981\u306a\u8ab2\u984c\u3092\u63d0\u8d77\u3057\u3066\u3044\u308b\u3002\u306a\u305c\u3001\u5229\u76ca\u3092\u4e0a\u3052\u3066\u3044\u308b\u30d0\u30fc\u30c1\u30e3\u30eb\u30fb\u30d0\u30f3\u30af\u304c\u5c11\u306a\u3044\u306e\u3060\u308d\u3046\u304b\uff1f<\/p>\n\n\n\n

\u30c7\u30b8\u30bf\u30eb\u9280\u884c\u3068\u4f1d\u7d71\u7684\u9280\u884c\u306e\u30b3\u30b9\u30c8\u6bd4\u8f03<\/strong><\/h2>\n\n\n\n

\u307e\u305a\u3001\u5b9f\u5e97\u8217\u304c\u306a\u3044\u3053\u3068\u306f\u30b3\u30b9\u30c8\u9762\u3067\u6709\u5229\u3067\u3042\u308b\u3002 \u30c7\u30b8\u30bf\u30eb\u30d0\u30f3\u30af<\/a>, \u3057\u304b\u3057\u3001\u3053\u308c\u306f\u3057\u3070\u3057\u3070\u9ad8\u3044\u9867\u5ba2\u7372\u5f97\u30b3\u30b9\u30c8\u306b\u3088\u3063\u3066\u76f8\u6bba\u3055\u308c\u308b\u3002\u6fc0\u3057\u3044\u7af6\u4e89\u306e\u6642\u4ee3\u306b\u3042\u3063\u3066\u3001\u3053\u308c\u3089\u306e\u9280\u884c\u306f\u9867\u5ba2\u7372\u5f97\u306e\u305f\u3081\u306b\u591a\u984d\u306e\u8cc7\u91d1\u3092\u6295\u3058\u3066\u3044\u308b\u3002\u30c7\u30b8\u30bf\u30eb \u30de\u30fc\u30b1\u30c6\u30a3\u30f3\u30b0<\/a>, \u30e2\u30d0\u30a4\u30eb\u30a2\u30d7\u30ea\u3084\u72ec\u81ea\u306e\u4fa1\u5024\u63d0\u6848\u306f\u3001\u9867\u5ba2\u7372\u5f97\u6226\u7565\u306e\u4e2d\u6838\u3092\u6210\u3057\u3066\u3044\u308b\u3002.<\/p>\n\n\n\n

\u9999\u6e2f\u3067\u306f\u3001\u97d3\u56fd\u306e\u3088\u3046\u306a\u4ed6\u306e\u4e16\u754c\u7684\u306a\u91d1\u878d\u30cf\u30d6\u3068\u540c\u69d8\u306b\u3001\u30cd\u30aa\u30d0\u30f3\u30af\u3001\u5225\u540d\u300c\u30cd\u30aa\u30d0\u30f3\u30af\u300d\u3068\u3082\u547c\u3070\u308c\u3066\u3044\u308b\u3002 \u30c1\u30e3\u30ec\u30f3\u30b8\u30e3\u30fc\u9280\u884c<\/a>, \u65b0\u898f\u9867\u5ba2\u306e\u7372\u5f97\u306b\u3057\u306e\u304e\u3092\u524a\u308b\u3002\u540c\u5e02\u3067\u306f\u3001\u521d\u3081\u3066 \u30c7\u30b8\u30bf\u30eb\u30d0\u30f3\u30af<\/a> \u3057\u304b\u3057\u305d\u306e\u591a\u304f\u306f\u3001\u500b\u4eba\u9867\u5ba2\u306e\u9593\u3067\u5b9a\u8a55\u3068\u4fe1\u983c\u3092\u78ba\u7acb\u3057\u3066\u3044\u308b\u65e2\u5b58\u9280\u884c\u3092\u76f8\u624b\u306b\u82e6\u6226\u3092\u5f37\u3044\u3089\u308c\u3066\u3044\u308b\u3002.<\/p>\n\n\n\n

\u30b9\u30bf\u30fc\u30ea\u30f3\u30b0\u9280\u884c\u306f\u3001\u6570\u3042\u308b\u9280\u884c\u306e\u4e2d\u3067\u3082\u7fa4\u3092\u629c\u3044\u3066\u3044\u308b\u3002\u30ea\u30c6\u30fc\u30eb\u30fb\u30d0\u30f3\u30ad\u30f3\u30b0\u3067\u91cd\u8981\u306a\u9867\u5ba2\u57fa\u76e4\u3092\u78ba\u7acb\u3057\u305f\u5f7c\u3089\u306f\u3001\u30c7\u30fc\u30bf\u5206\u6790\u3092\u6d3b\u7528\u3057\u3001\u305d\u306e\u9867\u5ba2\u57fa\u76e4\u306e\u62e1\u5927\u3092\u76ee\u6307\u3057\u3066\u3044\u308b\u3002 \u4eba\u5de5\u77e5\u80fd<\/a> \u30b5\u30fc\u30d3\u30b9\u63d0\u4f9b\u3092\u6700\u9069\u5316\u3059\u308b\u305f\u3081\u3060\u3002\u500b\u4eba\u30ed\u30fc\u30f3\u304b\u3089\u4fdd\u967a\u5546\u54c1\u307e\u3067\u3001\u8907\u6570\u306e\u53ce\u76ca\u6e90\u3092\u6d3b\u7528\u3059\u308b\u3053\u3068\u3067\u3001\u4ed6\u306e\u91d1\u878d\u6a5f\u95a2\u3088\u308a\u512a\u4f4d\u306b\u7acb\u3063\u3066\u3044\u308b\u3002 \u30c7\u30b8\u30bf\u30eb\u30d0\u30f3\u30af<\/a>.<\/p>\n\n\n\n

\u30ec\u30ac\u30b7\u30fc\u30fb\u30c8\u30e9\u30b9\u30c8\u306b\u6311\u6226\u3059\u308b\u30c7\u30b8\u30bf\u30eb\u306e\u6ce2\uff1a\u4e8c\u3064\u306e\u9280\u884c\u6642\u4ee3\u306e\u7269\u8a9e<\/strong><\/h2>\n\n\n\n

In the bustling financial hubs of South Korea and Hong Kong, the might of traditional banks reinforced by decades of unwavering trust stands tall. These banking behemoths, with their deep-rooted legacy, often find themselves being the primary choice for many. However, a new generation, captivated by the allure of digital prowess showcased by online banks, is emerging as a promising market segment. These digital aficionados are drawn towards virtual banking, captivated by its enticing promise of reduced fees and avant-garde financial tools tailored to their lifestyle.<\/p>\n\n\n\n

\u3068\u306f\u3044\u3048\u3001\u3053\u308c\u3089\u306e\u65b0\u8208\u30d7\u30ec\u30fc\u30e4\u30fc\u306b\u3068\u3063\u3066\u3001\u9053\u306e\u308a\u306b\u30cf\u30fc\u30c9\u30eb\u304c\u306a\u3044\u308f\u3051\u3067\u306f\u306a\u3044\u3002\u7279\u306b\u3001\u7d4c\u9a13\u8c4a\u5bcc\u306a\u4f1d\u7d71\u7684\u306a\u7af6\u5408\u4ed6\u793e\u3068\u6bd4\u8f03\u3057\u305f\u5834\u5408\u3001\u4fe1\u983c\u3092\u52dd\u3061\u53d6\u308b\u306e\u306f\u5bb9\u6613\u306a\u3053\u3068\u3067\u306f\u306a\u3044\u3002\u9999\u6e2f\u306e\u3088\u3046\u306a\u90fd\u5e02\u306e\u30d0\u30f3\u30ad\u30f3\u30b0\u4e8b\u60c5\u306f\u30e6\u30cb\u30fc\u30af\u306a\u878d\u5408\u3092\u53cd\u6620\u3057\u3066\u3044\u308b\u3002\u9867\u5ba2\u306f\u3001\u591a\u984d\u306e\u8caf\u84c4\u3084\u591a\u984d\u306e\u53e3\u5ea7\u6b8b\u9ad8\u306e\u305f\u3081\u306b\u4f1d\u7d71\u7684\u306a\u9280\u884c\u3092\u4fe1\u983c\u3059\u308b\u3068\u540c\u6642\u306b\u3001\u30d0\u30fc\u30c1\u30e3\u30eb\u30fb\u30d0\u30f3\u30af\u304c\u63d0\u4f9b\u3059\u308b\u723d\u3084\u304b\u306a\u4e00\u9023\u306e\u30b5\u30fc\u30d3\u30b9\u3092\u5229\u7528\u3057\u3066\u3044\u308b\u3002.<\/p>\n\n\n\n

N26\u306e\u30b8\u30ec\u30f3\u30de\uff1a\u9280\u884c\u76e3\u7763\u306b\u304a\u3051\u308b\u8b66\u544a\u306e\u7269\u8a9e<\/h4>\n\n\n\n

\u30c9\u30a4\u30c4\u306e\u30cd\u30aa\u30fb\u30d0\u30f3\u30af\u3001N26\u304c\u6700\u8fd1\u3001\u65b0\u305f\u306a\u7591\u60d1\u306e\u76ee\u3092\u5411\u3051\u3089\u308c\u3066\u3044\u308b\u3002\u30c9\u30a4\u30c4\u306e\u91d1\u878d\u76e3\u8996\u6a5f\u95a2\u3067\u3042\u308bBaFin\u304b\u3089425\u4e07\u30e6\u30fc\u30ed\u306e\u7f70\u91d1\u3092\u79d1\u3055\u308c\u305f\u306e\u3060\u3002 \u53cd\u30de\u30cd\u30fc\u30ed\u30f3\u30c0\u30ea\u30f3\u30b0<\/a> \u306e\u624b\u7d9a\u304d\u304c\u524d\u9762\u306b\u51fa\u3066\u304d\u305f\u3002\u3053\u306e\u61f2\u7f70\u7684\u63aa\u7f6e\u306f7\u6708\u306b\u5b9f\u65bd\u3055\u308c\u305f\u304c\u3001\u516c\u306b\u306a\u3063\u305f\u306e\u306f\u3064\u3044\u6700\u8fd1\u306e\u3053\u3068\u3067\u30012019\u5e74\u30682020\u5e74\u306b\u308f\u305f\u308b\u7d0450\u4ef6\u306e\u7591\u308f\u3057\u3044\u6d3b\u52d5\u5831\u544a\u306e\u63d0\u51fa\u304c\u9045\u308c\u305f\u3053\u3068\u306b\u8d77\u56e0\u3059\u308b\u3002.<\/p>\n\n\n\n

N26, headquartered in Berlin and established in 2013, has since responded, emphasizing the corrective measures undertaken earlier this year. The bank’s stance is clear it remains unwaveringly committed to staunchly combating global \u91d1\u878d\u306e\u4e0d\u6b63\u884c\u70ba\u3084\u3001\u91d1\u92ad\u306e\u6d41\u51fa\u3092\u71b1\u5fc3\u306b\u9632\u6b62\u3059\u308b\u3002<\/a> \u30ed\u30f3\u30c0\u30ea\u30f3\u30b0.<\/p>\n\n\n\n

\u6295\u6a5f\u7684\u306a\u5074\u9762\u3082\u3042\u308b\u304c\u3001\u30b9\u30ab\u30a4\u30cb\u30e5\u30fc\u30b9\u306e\u5831\u9053\u306b\u3088\u308b\u3068\u3001\u30c9\u30e9\u30b4\u30cb\u30a2\u30fb\u30a4\u30f3\u30d9\u30b9\u30c8\u30e1\u30f3\u30c8\u30fb\u30b0\u30eb\u30fc\u30d7\u3068N26\u304c\u6295\u8cc7\u306b\u3064\u3044\u3066\u691c\u8a0e\u3057\u3066\u3044\u308b\u3088\u3046\u3060\u3002\u3053\u306e\u3088\u3046\u306a\u6295\u8cc7\u304c\u5b9f\u3092\u7d50\u3079\u3070\u3001N26\u306e\u8a55\u4fa1\u984d\u306f1TP4,100\u5104\u30c9\u30eb\u306b\u9054\u3059\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b\u3002.<\/p>\n\n\n\n

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\u6700\u8fd1\u306e\u6b74\u53f2\u306f\u3001\u30de\u30cd\u30fc\u30ed\u30f3\u30c0\u30ea\u30f3\u30b0\u9632\u6b62\uff08AML\uff09\u306e\u4ed5\u7d44\u307f\u304c\u7518\u3044\u9280\u884c\u306b\u5bfe\u3057\u3066\u3001\u898f\u5236\u5f53\u5c40\u304c\u6012\u308a\u3092\u9732\u308f\u306b\u3057\u3066\u3044\u308b\u3053\u3068\u3092\u7269\u8a9e\u3063\u3066\u3044\u308b\u3002B2B\u60c5\u5831\u306e\u5de8\u5927\u4f01\u696dKyckr\u306b\u3088\u308b2021\u5e74\u306e\u8abf\u67fb\u3067\u306f\u3001\u61f8\u5ff5\u3059\u3079\u304d\u50be\u5411\u304c\u660e\u3089\u304b\u306b\u306a\u3063\u305f\u30022020\u5e74\u306bAML\u95a2\u9023\u306e\u51e6\u7f70\u306e\u77e2\u9762\u306b\u7acb\u305f\u3055\u308c\u305f\u4e16\u754c\u306e\u91d1\u878d\u6a5f\u95a2\u306f28\u793e\u3067\u3001\u305d\u306e\u984d\u306f\u7d0426\u5104\u30dd\u30f3\u30c9\u306b\u306e\u307c\u3063\u305f\u3002\u540c\u5e743\u6708\u306b\u306f\u3001\u30b9\u30a6\u30a7\u30fc\u30c7\u30f3\u3068\u30a8\u30b9\u30c8\u30cb\u30a2\u306b\u307e\u305f\u304c\u308bSwedbank\u304cAML\u9055\u53cd\u30673\u51044700\u4e07\u30e6\u30fc\u30ed\u306e\u7f70\u91d1\u3092\u79d1\u305b\u3089\u308c\u305f\u3002.<\/p>\n\n\n\n

\u91d1\u878d\u72af\u7f6a\uff1a\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u3068\u30cd\u30aa\u30d0\u30f3\u30af\u306e\u53ce\u76ca\u6027\u3092\u4f4e\u4e0b\u3055\u305b\u308b<\/strong><\/h2>\n\n\n\n

\u91d1\u878d\u72af\u7f6a\u304c\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u3084\u30cd\u30aa\u30d0\u30f3\u30af\u306b\u53ca\u307c\u3059\u5f71\u97ff\u306f\u751a\u5927\u3067\u3042\u308a\u3001\u3053\u308c\u3089\u306e\u30d3\u30b8\u30cd\u30b9\u3084\u305d\u306e\u9867\u5ba2\u306b\u5927\u304d\u306a\u5f71\u97ff\u3092\u4e0e\u3048\u308b\uff1a<\/p>\n\n\n\n

\u91d1\u92ad\u7684\u306a\u7d50\u679c\uff1a<\/strong> \u91d1\u878d\u72af\u7f6a\u306b\u3088\u3063\u3066\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u3084\u30cd\u30aa\u30d0\u30f3\u30af\u304c\u76f4\u9762\u3059\u308b\u8ab2\u984c\u306e\u4e2d\u3067\u6700\u3082\u91cd\u8981\u306a\u306e\u306f\u3001\u76f4\u63a5\u7684\u306a\u7d4c\u6e08\u7684\u8ca0\u62c5\u3067\u3042\u308b\u3002\u3053\u308c\u306b\u306f\u3001\u8a50\u6b3a\u884c\u70ba\u306b\u8d77\u56e0\u3059\u308b\u640d\u5931\u3001\u30c1\u30e3\u30fc\u30b8\u30d0\u30c3\u30af\u3001\u61f2\u7f70\u7684\u63aa\u7f6e\u3001\u8a34\u8a1f\u8cbb\u7528\u306a\u3069\u304c\u542b\u307e\u308c\u308b\u3002\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u304c\u30c7\u30b8\u30bf\u30eb\u30fb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u4fb5\u5bb3\u306e\u990c\u98df\u306b\u306a\u3063\u305f\u30b7\u30ca\u30ea\u30aa\u3092\u8003\u3048\u3066\u307f\u3088\u3046\u3002\u305d\u306e\u5f8c\u306e\u30b3\u30b9\u30c8\u306f\u3001\u30b7\u30b9\u30c6\u30e0\u306e\u5fa9\u65e7\u3001\u4e0d\u6b63\u6d41\u7528\u3055\u308c\u305f\u8cc7\u91d1\u306e\u9867\u5ba2\u3078\u306e\u88dc\u511f\u3001\u7f70\u91d1\u306e\u89e3\u6c7a\u306a\u3069\u3092\u4f34\u3046\u304b\u3082\u3057\u308c\u306a\u3044\u3002\u3055\u3089\u306b\u3001\u30de\u30cd\u30fc\u30ed\u30f3\u30c0\u30ea\u30f3\u30b0\u3084\u30c6\u30ed\u30ea\u30ba\u30e0\u3078\u306e\u8cc7\u91d1\u63d0\u4f9b\u306e\u3088\u3046\u306a\u554f\u984c\u306f\u3001\u8a55\u5224\u3092\u843d\u3068\u3057\u3001\u5229\u7528\u8005\u306e\u6e1b\u5c11\u306b\u3064\u306a\u304c\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b\u3002.<\/p>\n\n\n\n

\u8a55\u5224\u3078\u306e\u30c0\u30e1\u30fc\u30b8\uff1a<\/strong> \u91d1\u878d\u72af\u7f6a\u306e\u6c5a\u70b9\u306f\u3001\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u3084\u30cd\u30aa\u30d0\u30f3\u30af\u306e\u516c\u5171\u30a4\u30e1\u30fc\u30b8\u3092\u8457\u3057\u304f\u640d\u306a\u3046\u53ef\u80fd\u6027\u304c\u3042\u308b\u3002\u4e0d\u90fd\u5408\u306a\u51fa\u6765\u4e8b\u306f\u3001\u4f01\u696d\u306e\u30d6\u30e9\u30f3\u30c9\u30fb\u30a4\u30f3\u30c6\u30b0\u30ea\u30c6\u30a3\u3092\u640d\u306a\u3044\u3001\u5229\u7528\u8005\u306e\u4fe1\u983c\u3092\u640d\u306a\u3044\u3001\u6709\u5bb3\u306a\u30e1\u30c7\u30a3\u30a2\u306e\u6ce8\u76ee\u3092\u96c6\u3081\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b\u3002\u4e00\u4f8b\u3068\u3057\u3066\u3001\u30de\u30cd\u30fc\u30ed\u30f3\u30c0\u30ea\u30f3\u30b0\u9632\u6b62\u57fa\u6e96\u306e\u9075\u5b88\u304c\u4e0d\u5341\u5206\u3067\u3042\u308b\u3053\u3068\u304c\u767a\u899a\u3057\u305f\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u306f\u3001\u898f\u5236\u5f53\u5c40\u306e\u53cd\u767a\u3092\u53d7\u3051\u3001\u98a8\u8a55\u88ab\u5bb3\u3092\u60aa\u5316\u3055\u305b\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b\u3002\u4fe1\u983c\u3068\u8a55\u5224\u306f\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u3084\u30cd\u30aa\u30d0\u30f3\u30af\u306b\u3068\u3063\u3066\u7279\u306b\u91cd\u8981\u3067\u3042\u308a\u3001\u5f7c\u3089\u306e\u30e2\u30c7\u30eb\u5168\u4f53\u304c\u3001\u65b0\u898f\u9867\u5ba2\u306e\u7372\u5f97\u3068\u65e2\u5b58\u9867\u5ba2\u306e\u7dad\u6301\u306e\u305f\u3081\u306b\u3001\u3053\u308c\u3089\u306e\u67f1\u306b\u304b\u304b\u3063\u3066\u3044\u308b\u3002.<\/p>\n\n\n\n

\u898f\u5236\u3068\u6cd5\u7684\u8ab2\u984c\uff1a<\/strong> \u8ff7\u8def\u306e\u3088\u3046\u306b\u5165\u308a\u7d44\u3093\u3060\u898f\u5236\u3084\u6cd5\u5f8b\u304c\u3001\u8ca1\u52d9\u4e0a\u306e\u4e0d\u6b63\u884c\u70ba\u306b\u5dfb\u304d\u8fbc\u307e\u308c\u305f\u4f01\u696d\u306e\u554f\u984c\u3092\u3055\u3089\u306b\u8907\u96d1\u306b\u3057\u3066\u3044\u308b\u3002\u3053\u306e\u3088\u3046\u306a\u8efd\u7387\u306a\u884c\u52d5\u306f\u3001\u78ba\u7acb\u3055\u308c\u305f\u898f\u5236\u306e\u9055\u53cd\u306b\u3064\u306a\u304c\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u3001\u7f70\u5247\u3084\u7f70\u91d1\u3001\u3042\u308b\u3044\u306f\u3055\u3089\u306b\u53b3\u3057\u3044\u5f37\u5236\u63aa\u7f6e\u3092\u60f9\u8d77\u3059\u308b\u3002\u9055\u53cd\u306b\u306f\u3001\u4ee5\u4e0b\u306e\u3088\u3046\u306a\u3082\u306e\u304c\u3042\u308b\u3002 \u30a2\u30f3\u30c1\u30de\u30cd\u30fc\u30ed\u30f3\u30c0\u30ea\u30f3\u30b0\uff08AML\uff09 <\/a>\u6307\u4ee4\u3001Know Your Customer (KYC)\u30d7\u30ed\u30c8\u30b3\u30eb\u3001\u3042\u308b\u3044\u306f\u5236\u88c1\u5be9\u67fb\u306b\u81f3\u308b\u307e\u3067\u3002\u3053\u306e\u3088\u3046\u306a\u9055\u53cd\u306f\u3001\u76f4\u63a5\u7684\u306a\u91d1\u92ad\u7684\u5f71\u97ff\u3060\u3051\u3067\u306a\u304f\u3001\u9867\u5ba2\u306e\u4fe1\u983c\u3092\u640d\u306a\u3044\u3001\u30e9\u30a4\u30bb\u30f3\u30b9\u5951\u7d04\u3092\u5371\u3046\u304f\u3059\u308b\u53ef\u80fd\u6027\u3055\u3048\u3042\u308b\u3002.<\/p>\n\n\n\n

\u30c7\u30b8\u30bf\u30eb\u30d0\u30f3\u30af\u306e\u6301\u7d9a\u53ef\u80fd\u6027\u3068\u6210\u9577<\/strong><\/h2>\n\n\n\n

\u30b3\u30b9\u30c8\u524a\u6e1b\u3068\u30c7\u30b8\u30bf\u30eb\u306e\u512a\u4f4d\u6027\u306b\u3082\u304b\u304b\u308f\u3089\u305a\u3001\u307b\u3068\u3093\u3069\u306e\u30cd\u30aa\u30d0\u30f3\u30af\u304c\u53ce\u76ca\u6e90\u306e\u591a\u69d8\u5316\u306b\u82e6\u6226\u3057\u3066\u3044\u308b\u3053\u3068\u3092\u91d1\u878d\u696d\u754c\u306f\u76ee\u306e\u5f53\u305f\u308a\u306b\u3057\u3066\u304d\u305f\u3002\u6700\u521d\u306e\u30c7\u30b8\u30bf\u30eb\u30fb\u30d0\u30f3\u30af\u306f\u624b\u6570\u6599\u3092\u5f15\u304d\u4e0b\u3052\u3001\u7d44\u307f\u8fbc\u307f\u578b\u91d1\u878d\u9769\u547d\u3092\u7d04\u675f\u3059\u308b\u304b\u3082\u3057\u308c\u306a\u3044\u304c\u3001\u9867\u5ba2\u7372\u5f97\u30b3\u30b9\u30c8\u304c\u9ad8\u9a30\u3059\u308c\u3070\u3001\u53ce\u76ca\u5316\u3078\u306e\u9053\u306f\u4e00\u7b4b\u7e04\u3067\u306f\u3044\u304b\u306a\u3044\u3002\u8ab2\u984c\u306f\u65b0\u898f\u9867\u5ba2\u306e\u7372\u5f97\u306b\u3068\u3069\u307e\u3089\u305a\u3001\u9867\u5ba2\u306e\u7dad\u6301\u306b\u307e\u3067\u53ca\u3093\u3067\u3044\u308b\u3002.<\/p>\n\n\n\n

\u65e2\u5b58\u9280\u884c\u306f\u3001\u65e2\u5b58\u306e\u9867\u5ba2\u57fa\u76e4\u3068\u4fe1\u7528\u9280\u884c\u306e\u8a55\u5224\u3092\u6d3b\u7528\u3057\u3066\u3001\u30c7\u30b8\u30bf\u30eb\u30fb\u30d0\u30f3\u30ad\u30f3\u30b0\u30fb\u30b5\u30fc\u30d3\u30b9\u3092\u63d0\u4f9b\u3057\u59cb\u3081\u3066\u3044\u308b\u3002\u305d\u306e\u305f\u3081\u3001\u65b0\u898f\u53c2\u5165\u9280\u884c\u306b\u3068\u3063\u3066\u306f\u53b3\u3057\u3044\u7af6\u4e89\u3068\u306a\u3063\u3066\u3044\u308b\u3002\u3053\u3046\u3057\u305f\u65e2\u5b58\u30d7\u30ec\u30fc\u30e4\u30fc\u3082\u307e\u305f\u3001\u65b0\u305f\u306a\u5e02\u5834\u3078\u306e\u591a\u89d2\u5316\u3092\u9032\u3081\u3066\u3044\u308b\u3002 \u88fd\u54c1\u306e\u5f37\u5316<\/a> \u3068\u30b5\u30fc\u30d3\u30b9\u7bc4\u56f2\u3002.<\/p>\n\n\n\n

\u4e2d\u5c0f\u4f01\u696d\u3068\u4f01\u696d\u306e\u30c7\u30b8\u30bf\u30eb\u30d0\u30f3\u30ad\u30f3\u30b0\u53ce\u76ca\u6027\u306e\u9ad8\u3044\u30d1\u30e9\u30c0\u30a4\u30e0\u30b7\u30d5\u30c8<\/strong><\/h2>\n\n\n\n

\u4e2d\u5805\u30fb\u4e2d\u5c0f\u4f01\u696d\uff08SMB\uff09\u5411\u3051\u30d0\u30f3\u30ad\u30f3\u30b0\u306f\u3001\u30c7\u30b8\u30bf\u30eb\u30fb\u30d0\u30f3\u30ad\u30f3\u30b0\u30fb\u30bb\u30af\u30bf\u30fc\u306e\u4e2d\u3067\u3001\u53ce\u76ca\u6027\u3092\u9ad8\u3081\u308b\u305f\u3081\u306e\u80a5\u6c83\u306a\u571f\u58cc\u3068\u3057\u3066\u6025\u901f\u306b\u53f0\u982d\u3057\u3066\u3044\u308b\u3002\u500b\u4eba\u30ea\u30c6\u30fc\u30eb\u9867\u5ba2\u306f\u9280\u884c\u30b5\u30fc\u30d3\u30b9\u3092\u4f4e\u30b3\u30b9\u30c8\u306b\u6c42\u3081\u308b\u3053\u3068\u304c\u591a\u3044\u304c\u3001\u4e2d\u5c0f\u4f01\u696d\u306f\u72ec\u81ea\u306e\u30cb\u30fc\u30ba\u306b\u5fdc\u3048\u308b\u5c02\u9580\u7684\u306a\u9280\u884c\u30b5\u30fc\u30d3\u30b9\u306b\u624b\u6570\u6599\u3092\u652f\u6255\u3046\u610f\u6b32\u3092\u793a\u3057\u3066\u3044\u308b\u3002.<\/p>\n\n\n\n

\u5f93\u6765\u306e\u91d1\u878d\u6a5f\u95a2\u3067\u306f\u898b\u904e\u3054\u3055\u308c\u304c\u3061\u306a\u3053\u306e\u9867\u5ba2\u5c64\u306f\u3001\u30d0\u30fc\u30c1\u30e3\u30eb\u30fb\u30d0\u30f3\u30af\u306e\u53ce\u76ca\u306b\u5927\u304d\u306a\u5f71\u97ff\u3092\u4e0e\u3048\u308b\u7279\u6027\u3092\u6301\u3063\u3066\u3044\u308b\u3002\u307e\u305a\u3001\u4e2d\u5c0f\u4f01\u696d\u306f\u4e00\u822c\u7684\u306b\u3001\u30ea\u30c6\u30fc\u30eb\u9867\u5ba2\u3068\u6bd4\u3079\u3066\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc\u3084\u9810\u91d1\u91cf\u304c\u591a\u3044\u3002\u3053\u308c\u306f\u3001\u30cd\u30aa\u30d0\u30f3\u30af\u304c\u5229\u7528\u3059\u308b\u306e\u306b\u9069\u3057\u305f\u3001\u3088\u308a\u5927\u304d\u306a\u8ca1\u5e03\u3092\u610f\u5473\u3059\u308b\u3002\u3055\u3089\u306b\u3001\u3053\u3046\u3057\u305f\u4f01\u696d\u306f\u904b\u8ee2\u8cc7\u91d1\u3084\u58f2\u639b\u50b5\u6a29\u30d5\u30a1\u30a4\u30ca\u30f3\u30b9\u306e\u3088\u3046\u306a\u5229\u76ca\u7387\u306e\u9ad8\u3044\u5546\u54c1\u3092\u6c42\u3081\u308b\u3053\u3068\u304c\u591a\u304f\u3001\u30cd\u30aa\u30d0\u30f3\u30af\u306e\u6f5c\u5728\u7684\u306a\u53ce\u76ca\u3092\u3055\u3089\u306b\u9ad8\u3081\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3002.<\/p>\n\n\n\n

\u4e2d\u5c0f\u4f01\u696d\u30bb\u30af\u30bf\u30fc\u306b\u304a\u3051\u308b\u65b0\u8208\u9280\u884c\u306e\u9053\u306e\u308a\u306f\u3001\u9280\u884c\u514d\u8a31\u306e\u53d6\u5f97\u304b\u3089\u59cb\u307e\u308b\u3053\u3068\u304c\u591a\u3044\u3002\u898f\u5236\u5f53\u5c40\u306e\u8a31\u53ef\u3092\u5f97\u3066\u3001\u57fa\u672c\u7684\u306a\u5546\u53d6\u5f15\u53e3\u5ea7\u3092\u901a\u3058\u3066\u30b5\u30fc\u30d3\u30b9\u3092\u958b\u59cb\u3059\u308b\u3002\u3084\u304c\u3066\u3001\u30c7\u30fc\u30bf\u30fb\u30a4\u30f3\u30b5\u30a4\u30c8\u306b\u88cf\u6253\u3061\u3055\u308c\u305f\u3001\u4e2d\u5c0f\u4f01\u696d\u5411\u3051\u306e\u3055\u307e\u3056\u307e\u306a\u5546\u54c1\u3084\u30b5\u30fc\u30d3\u30b9\u3092\u63d0\u4f9b\u3059\u308b\u3088\u3046\u306b\u306a\u308b\u3002\u305d\u306e\u7bc4\u56f2\u306f\u3001\u666e\u901a\u9810\u91d1\u53e3\u5ea7\u3084\u8acb\u6c42\u66f8\u878d\u8cc7\u304b\u3089\u3001\u4f1a\u8a08\u30d1\u30fc\u30c8\u30ca\u30fc\u3068\u306e\u30b7\u30fc\u30e0\u30ec\u30b9\u306a\u7d71\u5408\u3084\u30aa\u30fc\u30c0\u30fc\u30e1\u30a4\u30c9\u306e\u878d\u8cc7\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u307e\u3067\u591a\u5c90\u306b\u308f\u305f\u308b\u3002\u3053\u306e\u3088\u3046\u306a\u591a\u69d8\u5316\u306f\u3001\u9867\u5ba2\u306e\u7dad\u6301\u306b\u5f79\u7acb\u3064\u3060\u3051\u3067\u306a\u304f\u3001\u65e2\u5b58\u9867\u5ba2\u3068\u306e\u3088\u308a\u6df1\u3044\u3064\u306a\u304c\u308a\u3092\u78ba\u7acb\u3057\u3001\u9577\u671f\u7684\u306a\u95a2\u4fc2\u3092\u80b2\u3080\u3002.<\/p>\n\n\n\n

NuTap\u3092\u767a\u8868\u3057\u305fNubank\u306e\u9769\u65b0\u7684\u306a\u30a2\u30d7\u30ed\u30fc\u30c1\u306f\u3001\u8aac\u5f97\u529b\u306e\u3042\u308b\u4e8b\u4f8b\u3068\u306a\u308b\u3002\u30c7\u30b8\u30bf\u30ebPOS\u7aef\u672b\u3067\u3042\u308bNuTap\u306f\u3001\u8ca9\u58f2\u8005\u304c\u30b9\u30de\u30fc\u30c8\u30d5\u30a9\u30f3\u3092\u652f\u6255\u3044\u53d7\u4ed8\u30c7\u30d0\u30a4\u30b9\u306b\u5909\u63db\u3067\u304d\u308b\u3088\u3046\u306b\u3059\u308b\u3002NuTap\u306f\u3001\u5358\u306a\u308b\u30ab\u30fc\u30c9\u6c7a\u6e08\u306b\u3068\u3069\u307e\u3089\u305a\u3001\u300c\u4eca\u8cb7\u3063\u3066\u5f8c\u3067\u6255\u3046\u300d\u6a5f\u80fd\u3092\u7d71\u5408\u3057\u3001\u5229\u4fbf\u6027\u3068\u91d1\u878d\u5305\u6442\u3092\u878d\u5408\u3055\u305b\u3066\u3044\u308b\u3002\u3053\u308c\u306f\u3001\u30cd\u30aa\u30fb\u30d0\u30f3\u30af\u304c\u500b\u4eba\u9867\u5ba2\u3060\u3051\u3067\u306a\u304f\u3001\u6b21\u306e\u3088\u3046\u306a\u9867\u5ba2\u306b\u3082\u30b5\u30fc\u30d3\u30b9\u3092\u63d0\u4f9b\u3059\u308b\u305f\u3081\u306b\u3001\u3069\u306e\u3088\u3046\u306b\u6226\u7565\u3092\u518d\u69cb\u7bc9\u3057\u3066\u3044\u308b\u304b\u3092\u793a\u3059\u4e00\u4f8b\u3067\u3042\u308b\u3002 \u4e2d\u5c0f\u4f01\u696d<\/a> \u9280\u884c\u696d\u52d9\u3078\u306e\u5305\u62ec\u7684\u304b\u3064\u7dcf\u5408\u7684\u306a\u30a2\u30d7\u30ed\u30fc\u30c1\u3092\u78ba\u4fdd\u3059\u308b\u3002.<\/p>\n\n\n\n

\u8457\u540d\u306a\u30b3\u30f3\u30b5\u30eb\u30c6\u30a3\u30f3\u30b0\u30fb\u30b0\u30eb\u30fc\u30d7\u306b\u3088\u308b\u6700\u8fd1\u306e\u8abf\u67fb\u3067\u306f\u3001SMB\u30bb\u30b0\u30e1\u30f3\u30c8\u3092\u30bf\u30fc\u30b2\u30c3\u30c8\u3068\u3059\u308b\u30cd\u30aa\u30fb\u30d0\u30f3\u30af\u306f\u3001\u63d0\u4f9b\u3067\u304d\u308b\u30b5\u30fc\u30d3\u30b9\u306e\u5e45\u304c\u5e83\u304f\u3001\u9867\u5ba2\u4e00\u4eba\u5f53\u305f\u308a\u306e\u53ce\u76ca\u304c\u9ad8\u304f\u306a\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b\u3053\u3068\u304b\u3089\u3001\u6301\u7d9a\u7684\u306a\u53ce\u76ca\u6027\u3092\u9054\u6210\u3067\u304d\u308b\u53ef\u80fd\u6027\u304c\u9ad8\u3044\u3053\u3068\u304c\u6d6e\u304d\u5f6b\u308a\u306b\u306a\u3063\u305f\u3002\u4e2d\u5c0f\u4f01\u696d\u5411\u3051\u30d0\u30f3\u30ad\u30f3\u30b0\u3092\u91cd\u8996\u3059\u308b\u3053\u3068\u306f\u3001\u5358\u306b\u30b5\u30fc\u30d3\u30b9\u306e\u9032\u5316\u3092\u610f\u5473\u3059\u308b\u3060\u3051\u3067\u306a\u304f\u3001\u7570\u306a\u308b\u9867\u5ba2\u5c64\u306e\u591a\u69d8\u306a\u30cb\u30fc\u30ba\u3092\u8a8d\u8b58\u3059\u308b\u3068\u3044\u3046\u5909\u9769\u7684\u306a\u30b7\u30d5\u30c8\u3092\u5f37\u8abf\u3059\u308b\u3082\u306e\u3067\u3082\u3042\u308b\u3002.<\/p>\n\n\n\n

InvestGlass\u3068ChatGPT\u306b\u3088\u308b\u9280\u884c\u696d\u754c\u306e\u5c06\u6765\u5c55\u671b<\/strong><\/h2>\n\n\n\n

\u4e00\u6d41\u30b3\u30f3\u30b5\u30eb\u30c6\u30a3\u30f3\u30b0\u30fb\u30b0\u30eb\u30fc\u30d7\u306e\u8457\u540d\u306a\u30ea\u30fc\u30c0\u30fc\u306f\u3001\u300c\u30c7\u30b8\u30bf\u30eb\u9280\u884c\u3001\u7279\u306b\u65b0\u8208\u9280\u884c\u306f\u3001\u76ee\u7acb\u3064\u304b\u3001\u8cb7\u53ce\u8cbb\u7528\u3092\u5de7\u307f\u306b\u30b3\u30f3\u30c8\u30ed\u30fc\u30eb\u3057\u306a\u3051\u308c\u3070\u3001\u5931\u901f\u3059\u308b\u6025\u306a\u30ea\u30b9\u30af\u306b\u76f4\u9762\u3057\u3066\u3044\u308b\u300d\u3068\u6d1e\u5bdf\u306b\u6e80\u3061\u305f\u767a\u8a00\u3092\u3057\u3066\u3044\u308b\u3002\u5b9f\u969b\u3001\u9280\u884c\u306e\u53ce\u76ca\u6027\u3078\u306e\u9053\u306f\u3001\u53ce\u76ca\u30c1\u30e3\u30cd\u30eb\u306e\u591a\u69d8\u5316\u3068\u3001\u9867\u5ba2\u652f\u63f4\u3068\u614e\u91cd\u306a\u8ca1\u653f\u7684\u9078\u629e\u306e\u30d0\u30e9\u30f3\u30b9\u3092\u3068\u308b\u3001\u8ce2\u660e\u306a\u8ca1\u52d9\u7ba1\u7406\u306b\u3088\u3063\u3066\u5207\u308a\u958b\u304b\u308c\u308b\u3002.<\/p>\n\n\n\n

DBS\u306e\u3088\u3046\u306a\u91d1\u878d\u6a5f\u95a2\u306e\u6210\u529f\u4f8b \u9280\u884c\u3068\u30b9\u30bf\u30fc\u30ea\u30f3\u30b0\u30fb\u30d0\u30f3\u30af\u306f\u5909\u8c8c\u3092\u9042\u3052\u305f\u3002<\/a> \u30a2\u30d7\u30ed\u30fc\u30c1\u3067\u3042\u308b\u3002\u4f1d\u7d71\u7684\u306a\u9280\u884c\u306e\u8c61\u5fb4\u3067\u3042\u308b\u53e4\u304f\u304b\u3089\u306e\u4fe1\u983c\u3068\u3001\u9280\u884c\u7279\u6709\u306e\u30c0\u30a4\u30ca\u30df\u30ba\u30e0\u3084\u9769\u65b0\u6027\u3092\u30b7\u30fc\u30e0\u30ec\u30b9\u306b\u878d\u5408\u3055\u305b\u3066\u3044\u308b\u3002 \u30c7\u30b8\u30bf\u30eb<\/a> \u6642\u4ee3\u3002\u305d\u306e\u9053\u306e\u308a\u306f\u56f0\u96e3\u304c\u4f34\u3046\u304b\u3082\u3057\u308c\u306a\u3044\u304c\u3001\u5f93\u6765\u306e\u9280\u884c\u696d\u52d9\u3068\u30c7\u30b8\u30bf\u30eb\u30fb\u30d0\u30f3\u30ad\u30f3\u30b0\u3092\u878d\u5408\u3055\u305b\u308b\u3053\u3068\u3067\u3001\u7e41\u6804\u3068\u6c38\u7d9a\u7684\u306a\u30d3\u30b8\u30cd\u30b9\u30e2\u30c7\u30eb\u306e\u9752\u5199\u771f\u304c\u63cf\u3051\u308b\u306e\u3060\u3002.<\/p>\n\n\n\n

\u3053\u3046\u3057\u305f\u4e2d\u3001InvestGlass\u306e\u3088\u3046\u306a\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306f\u3001\u30cd\u30aa\u30d0\u30f3\u30af\u306b\u3068\u3063\u3066\u5e0c\u671b\u306e\u5149\u3068\u306a\u308b\u3002\u6700\u5148\u7aef\u306e CRM<\/a>, \u30c7\u30b8\u30bf\u30eb\u30fb\u30aa\u30f3\u30dc\u30fc\u30c7\u30a3\u30f3\u30b0<\/a>, \u3068\u81ea\u52d5\u5316\u6a5f\u80fd\u306b\u3088\u308a\u3001InvestGlass\u306f\u30cd\u30aa\u30d0\u30f3\u30af\u304c\u9867\u5ba2\u3068\u3069\u306e\u3088\u3046\u306b\u63a5\u3057\u3001\u30b5\u30fc\u30d3\u30b9\u3092\u63d0\u4f9b\u3059\u308b\u304b\u306b\u9769\u547d\u3092\u8d77\u3053\u3059\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002ChatGPT\u306e\u3088\u3046\u306aAI\u4e3b\u5c0e\u306e\u30c1\u30e3\u30c3\u30c8\u30e2\u30c7\u30eb\u3092\u7d44\u307f\u8fbc\u3080\u3053\u3068\u3067\u3001\u3053\u306e\u7d4c\u9a13\u3092\u3055\u3089\u306b\u5f37\u5316\u3057\u3001\u30ea\u30a2\u30eb\u30bf\u30a4\u30e0\u3067\u30d1\u30fc\u30bd\u30ca\u30e9\u30a4\u30ba\u3055\u308c\u305f\u5bfe\u8a71\u3092\u63d0\u4f9b\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002.<\/p>\n\n\n\n

\u7d50\u8ad6\u304b\u3089\u8a00\u3048\u3070\u3001\u30cd\u30aa\u30d0\u30f3\u30af\u306e\u53f0\u982d\u304c\u91d1\u878d\u306e\u5730\u5f62\u3092\u5909\u3048\u305f\u3053\u3068\u306f\u5426\u5b9a\u3067\u304d\u306a\u3044\u3002\u3057\u304b\u3057\u3001\u6301\u7d9a\u53ef\u80fd\u306a\u53ce\u76ca\u6027\u3092\u78ba\u4fdd\u3059\u308b\u306b\u306f\u3001\u30b3\u30b9\u30c8\u7ba1\u7406\u3001\u4fe1\u983c\u91b8\u6210\u3001\u9b45\u529b\u7684\u306a\u30b5\u30fc\u30d3\u30b9\u306e\u63d0\u4f9b\u3068\u3044\u3063\u305f\u7dbf\u5bc6\u306a\u632f\u308a\u4ed8\u3051\u304c\u5fc5\u8981\u3067\u3042\u308b\u3002\u53e4\u5178\u7684\u306a\u30d0\u30f3\u30ad\u30f3\u30b0\u3068\u30c7\u30b8\u30bf\u30eb\u30fb\u30d0\u30f3\u30ad\u30f3\u30b0\u306e\u9593\u306e\u6e9d\u304c\u72ed\u307e\u308b\u306b\u3064\u308c\u3001\u91d1\u878d\u754c\u306f\u3001\u9280\u884c\u304c\u53ce\u76ca\u6027\u3092\u9054\u6210\u3059\u308b\u3060\u3051\u3067\u306a\u304f\u3001\u5909\u5316\u3059\u308b\u9867\u5ba2\u306e\u55dc\u597d\u3068\u5171\u9cf4\u3059\u308b\u3088\u3046\u306a\u7269\u8a9e\u304c\u5897\u3048\u308b\u3053\u3068\u3092\u5207\u671b\u3057\u3066\u3044\u308b\u3002.<\/p>\n\n\n\n

<\/p>","protected":false},"excerpt":{"rendered":"

The banking industry is undergoing a seismic shift, driven largely by the emergence of digital banks, reshaping the traditional norms of financial institutions. The last decade has witnessed a surge in the number of virtual banks, aiming to offer a superior customer experience in the digital banking landscape. Yet, in this sprawling world of digital-only banks, a recent study indicates that less than 5% of these neobanks have managed to achieve profitability. This poses a significant challenge: why are so few virtual banks profitable? The Cost of Being Digital Banks versus Traditional Banks For starters, while the lack of brick and mortar branches offers a cost advantage to most digital […]<\/p>\n","protected":false},"author":1,"featured_media":38125,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[519],"class_list":["post-38124","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article","tag-neobanks-are-profitable"],"yoast_head":"\nWhy Most Neobanks Aren\u2019t Profitable in 2023<\/title>\n<meta name=\"description\" content=\"Explore why most neobanks struggle with profitability and what it means for the future of digital banking.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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