{"id":30162,"date":"2021-06-15T19:17:49","date_gmt":"2021-06-15T17:17:49","guid":{"rendered":"https:\/\/www.investglass.com\/?p=30162"},"modified":"2025-10-28T11:32:43","modified_gmt":"2025-10-28T10:32:43","slug":"%e6%88%90%e4%b8%ba%e6%96%b0%e9%93%b6%e8%a1%8c%e9%9c%80%e8%a6%81%e5%93%aa%e4%ba%9b%e8%ae%b8%e5%8f%af%e8%af%81","status":"publish","type":"post","link":"https:\/\/www.investglass.com\/zh\/which-license-do-you-need-to-become-a-neobank\/","title":{"rendered":"\u6210\u4e3a\u65b0\u94f6\u884c\u9700\u8981\u54ea\u4e9b\u8bb8\u53ef\u8bc1\uff1f"},"content":{"rendered":"<p class=\"wp-block-paragraph\">\u8f6c\u5411&nbsp;<strong>\u6570\u5b57\u94f6\u884c<\/strong>&nbsp;\u6b63\u5728\u52a0\u901f\uff0c\u5176\u4e2d&nbsp;<strong>36% \u82f1\u56fd\u6210\u5e74\u4eba<\/strong>&nbsp;\u73b0\u5728\u53ea\u4f7f\u7528\u6570\u5b57\u8d26\u6237\uff0c\u4ee5\u53ca&nbsp;<strong>\u5343\u79a7\u4e00\u4ee3\u7684 64%<\/strong>&nbsp;\u4f9d\u9760\u57fa\u4e8e\u5e94\u7528\u7a0b\u5e8f\u7684\u94f6\u884c\u4e1a\u52a1 (<a href=\"https:\/\/www.finder.com\/uk\/media\/press-release-digital-banking-2024?utm_source=chatgpt.com\">\u641c\u7d22\u5668<\/a>).\u9886\u5148\u7684\u65b0\u94f6\u884c\uff0c\u5982&nbsp;<strong>Revolut<\/strong>&nbsp;\u548c&nbsp;<strong>Monzo<\/strong>&nbsp;\u84ec\u52c3\u53d1\u5c55\uff0c\u5176\u4e2d&nbsp;<strong>Revolut \u5168\u7403\u7528\u6237\u7a81\u7834 4500 \u4e07<\/strong>&nbsp;\u548c&nbsp;<strong>Monzo \u82f1\u56fd\u5ba2\u6237\u7a81\u7834 1,000 \u4e07<\/strong>&nbsp;2024 \u5e74(<a href=\"https:\/\/www.uktech.news\/fintech\/monzo-10-million-uk-customers-20240806?utm_source=chatgpt.com\">\u82f1\u56fd\u79d1\u6280\u65b0\u95fb<\/a>).\u968f\u7740\u6570\u5b57\u5316\u504f\u597d\u7684\u589e\u957f\uff0c\u4f20\u7edf\u94f6\u884c\u5fc5\u987b\u521b\u65b0\u624d\u80fd\u4fdd\u6301\u7ade\u4e89\u529b\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-which-license-do-you-need-to-become-a-neobank\">\u6210\u4e3a\u65b0\u94f6\u884c\u9700\u8981\u54ea\u4e9b\u8bb8\u53ef\u8bc1\uff1f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u60a8\u60f3\u6210\u4e3a\u4e00\u5bb6\u5c0f\u4f17\u94f6\u884c\u5417\uff1f\u65b0\u94f6\u884c\u662f\u4e00\u79cd\u65b0\u5f62\u5f0f\u7684\u7eaf\u6570\u5b57\u94f6\u884c\u3002\u4e0e\u4f20\u7edf\u94f6\u884c\u4e00\u6837\uff0c\u5b83\u4eec\u63d0\u4f9b\u7684\u4ea7\u54c1\u548c\u670d\u52a1\u5305\u62ec\u5e26\u6709\u501f\u8bb0\u5361\uff08\u6216\u4fe1\u7528\u5361\uff0c\u5982\u679c\u65b0\u94f6\u884c\u63d0\u4f9b\u4fe1\u7528\u5361\uff09\u7684\u652f\u7968\u8d26\u6237\u3001\u50a8\u84c4\u8d26\u6237\u3001\u8d37\u6b3e\u3001\u62b5\u62bc\u8d37\u6b3e\u3001\u6295\u8d44\u7ba1\u7406\u670d\u52a1\u7b49\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u533a\u522b\u4f55\u5728\uff1f\u4f20\u7edf\u5b9e\u4f53\u94f6\u884c\u662f\u5426\u5177\u6709\u62b5\u6297\u529b\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5927\u591a\u6570\u65b0\u94f6\u884c\u90fd\u6709\u652f\u4ed8\u8bb8\u53ef\u8bc1\uff0c\u4f46\u6ca1\u6709\u8d44\u683c\u88ab\u6307\u5b9a\u4e3a \u201c\u65b0\u94f6\u884c\u201d\u3002\u53ea\u6709\u6301\u6709\u4fe1\u8d37\u673a\u6784\u8bb8\u53ef\u8bc1\u7684\u673a\u6784\u624d\u80fd\u81ea\u79f0\u4e3a \u201c\u94f6\u884c \u201d\u6216 \u201c\u65b0\u94f6\u884c\u201d......\u5927\u591a\u6570\u94f6\u884c\u90fd\u7531 Temenos \u6216 Arkea \u57fa\u7840\u8bbe\u65bd\u63d0\u4f9b\u652f\u6301\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u4eca\uff0c\u6bcf\u5e74\u65b0\u8fdb\u5165\u5e02\u573a\u7684\u65b0\u94f6\u884c\u6570\u91cf\u662f 2016 \u5e74\u7684 5 \u500d\u3002\u8fd9\u573a\u9769\u547d\u4e3b\u8981\u96c6\u4e2d\u5728\u6b27\u6d32\u548c\u4e9a\u6d32\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u82f1\u56fd\uff08Starling Bank\uff09\u3001\u6cd5\u56fd\uff08Qonto\uff09\u3001\u82ac\u5170\uff08Holvi\uff09\u3001\u5fb7\u56fd\uff08N26\uff09\u548c\u4fc4\u7f57\u65af\uff08Tinkoff\uff09\u90fd\u6709\u60a8\u719f\u6089\u7684\u73a9\u5bb6\uff0c\u60a8\u53ef\u80fd\u5e0c\u671b\u4ece\u4ed6\u4eec\u8eab\u4e0a\u5f97\u5230\u542f\u53d1\u3002.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"684\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/s8f8yglbpjo-1024x684.jpg\" alt=\"\u94f6\u8272\u7b14\u8bb0\u672c\u7535\u8111\u4e0a\u7684\u84dd\u767d\u76f8\u95f4\u7684\u7b7e\u8bc1\u5361\" class=\"wp-image-34400\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/s8f8yglbpjo-1024x684.jpg 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/s8f8yglbpjo-300x200.jpg 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/s8f8yglbpjo-768x513.jpg 768w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/s8f8yglbpjo-1536x1026.jpg 1536w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/s8f8yglbpjo.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-new-financial-services-in-europe\">\u6b27\u6d32\u7684\u65b0\u91d1\u878d\u670d\u52a1<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In Europe, neobanks are leveraging the European Payment Services Directive PSD1, which allows new institutions to enter the financial services market with less stringent approvals. It is therfore easier to get a licence in France thanks to the National Competent Authorities NCAs such as the ACPR (France), in the United Kingdom with FCA, or in Germany with the BaFin.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-which-license-do-you-need-to-become-a-neobank-versus-traditional-banks\">\u6210\u4e3a\u65b0\u94f6\u884c\u4e0e\u4f20\u7edf\u94f6\u884c\u76f8\u6bd4\u9700\u8981\u54ea\u4e9b\u8bb8\u53ef\u8bc1\uff1f<\/h2>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-the-credit-or-banking-license-is-not-savings-accounts\">\u4fe1\u8d37\u6216\u94f6\u884c\u6267\u7167\u4e0d\u662f\u50a8\u84c4\u8d26\u6237<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fe1\u8d37\u6216\u94f6\u884c\u6267\u7167\u5141\u8bb8\u91d1\u878d\u673a\u6784\u63a5\u53d7\u5ba2\u6237\u5b58\u6b3e\u5e76\u4f7f\u7528\u5ba2\u6237\u8d44\u91d1\u53d1\u653e\u4fe1\u8d37\u3002\u662f\u7684\uff0c\u6211\u4eec\u4e0e\u4f20\u7edf\u94f6\u884c\u975e\u5e38\u63a5\u8fd1\u3002\u73b0\u5728\uff0c\u94f6\u884c\u8d26\u6237\u662f\u5728\u865a\u62df\u94f6\u884c\u95e8\u6237\u7f51\u7ad9\u4e0a\u5f00\u8bbe\u7684\uff0c\u8fd9\u7c7b\u516c\u53f8\u63d0\u4f9b\u5916\u6c47\u4ea4\u6613\u3001\u673a\u5668\u4eba\u987e\u95ee\u3001\u7b80\u5355\u5efa\u8bae\u3001\u8d44\u4ea7\u7ba1\u7406\u534f\u52a9\u4ee5\u53ca\u4e0e\u8bc1\u5238\u76f8\u5173\u7684\u670d\u52a1\uff0c\u5982\u793e\u4f1a\u8d23\u4efb\u6295\u8d44\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u670d\u52a1\u8ba2\u8d2d\u901a\u8fc7 <a href=\"https:\/\/www.investglass.com\/zh\/%e5%a6%82%e4%bd%95%e5%88%9b%e5%bb%ba%e6%95%b0%e5%ad%97%e9%93%b6%e8%a1%8c%e5%b9%b3%e5%8f%b0-2\/\" target=\"_blank\" rel=\"noopener\" data-wpil-monitor-id=\"995\">\u6570\u5b57\u94f6\u884c\u5e73\u53f0<\/a> \u800c\u8fd9\u6b63\u662f\u73b0\u6709\u94f6\u884c\u9762\u4e34\u7684\u4e00\u9879\u771f\u6b63\u7684\u7ade\u4e89\u6218\u7565\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u94f6\u884c\u6267\u7167\u7531\u4e3b\u7ba1\u5f53\u5c40\u9881\u53d1\u3002\u5bf9\u4e8e\u65b0\u624b\u6765\u8bf4\uff0c\u7533\u8bf7\u8fd9\u7c7b\u6267\u7167\u53ef\u80fd\u76f8\u5f53\u56f0\u96be\u3002 <a href=\"https:\/\/www.investglass.com\/zh\/2025-%e5%b9%b4%e6%95%b0%e5%ad%97%e9%93%b6%e8%a1%8c%e7%9a%84-7-%e5%a4%a7%e4%bc%98%e5%8a%bf\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u6570\u5b57\u94f6\u884c<\/a>. .\u4f8b\u5982\uff0c\u5728\u745e\u58eb\uff0c\u5efa\u8bbe\u8fd9\u79cd\u65b0\u578b\u6570\u5b57 <a data-wpil-monitor-id=\"2267\" href=\"https:\/\/www.investglass.com\/zh\/%e9%93%b6%e8%a1%8c%e4%b8%9a%e9%87%87%e7%94%a8%e4%ba%ba%e5%b7%a5%e6%99%ba%e8%83%bd%e7%9a%84%e4%b8%bb%e8%a6%81%e6%8c%91%e6%88%98%e5%8f%8a%e5%85%8b%e6%9c%8d%e6%96%b9%e6%b3%95\/\" target=\"_blank\" rel=\"noopener\">\u94f6\u884c\u662f\u4e00\u4e2a\u771f\u6b63\u7684\u6311\u6218<\/a>, \u6211\u4eec\u5f3a\u70c8\u5efa\u8bae\u60a8\u5728\u5f00\u59cb\u8fd9\u4e00\u8fdb\u7a0b\u4e4b\u524d\u4e0e\u6211\u4eec\u8054\u7cfb\u3002\u901a\u5e38\u60c5\u51b5\u4e0b\uff0c\u8981\u5efa\u7acb\u8fd9\u79cd\u7c7b\u578b\u7684\u94f6\u884c\uff0c\u60a8\u9700\u8981\u66f4\u9ad8\u7684\u8d44\u672c\u8981\u6c42\u548c\u5728\u4f2f\u5c14\u5c3c\u975e\u5e38\u5f3a\u5927\u548c\u77e5\u540d\u7684\u5458\u5de5\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5efa\u7acb\u8fd9\u7c7b\u4f20\u7edf\u94f6\u884c\u81f3\u5c11\u9700\u8981 12 \u5230 24 \u4e2a\u6708\u7684\u65f6\u95f4\uff0c\u5177\u4f53\u53d6\u51b3\u4e8e\u60a8\u9009\u62e9\u7684\u53f8\u6cd5\u7ba1\u8f96\u533a\u3002\u901a\u5e38\u60c5\u51b5\u4e0b\uff0c\u8981\u5efa\u7acb\u8fd9\u79cd\u7c7b\u578b\u7684\u94f6\u884c\uff0c\u60a8\u8fd8\u9700\u8981\u4e00\u4e2a\u975e\u5e38\u5f3a\u5927\u7684\u94f6\u884c\u670d\u52a1\u5408\u4f5c\u4f19\u4f34\uff0c\u8d1f\u8d23\u6258\u7ba1\u548c\u4f1a\u8ba1\u5de5\u4f5c\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-electronic-money-institution-license\">\u7535\u5b50\u8d27\u5e01\u673a\u6784\u8bb8\u53ef\u8bc1<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u53e6\u4e00\u79cd\u65b9\u6cd5\u662f\u83b7\u5f97 <a href=\"https:\/\/www.investglass.com\/zh\/%e8%a7%a3%e9%87%8a%e4%bb%80%e4%b9%88%e6%98%af-emi-%e7%94%b5%e5%ad%90%e8%b4%a7%e5%b8%81%e6%9c%ba%e6%9e%84-%e9%a2%86%e8%88%aa%e6%95%b0%e5%ad%97%e9%87%91%e8%9e%8d\/\" data-wpil-monitor-id=\"186\">\u7535\u5b50\u8d27\u5e01\u8bb8\u53ef\u8bc1\u5c06\u652f\u6301\u91d1\u878d<\/a> \u652f\u4ed8\u670d\u52a1\uff0c\u5305\u62ec\u521b\u5efa IBAN \u548c BIN \u8d5e\u52a9 - \u4fe1\u7528\u5361\u3002\u5728\u8fd9\u91cc\uff0c\u7535\u5b50\u8d27\u5e01\u8bb8\u53ef\u8bc1\u5141\u8bb8\u8bb8\u53ef\u8bc1\u4e3a\u5ba2\u6237\u7684\u65e5\u5e38\u652f\u4ed8\u63d0\u4f9b\u76f8\u540c\u7684\u94f6\u884c\u4e1a\u52a1\u4f53\u9a8c\u3002\u7136\u800c\uff0c\u7535\u5b50\u8d27\u5e01\u8bb8\u53ef\u8bc1\u6709\u4e00\u4e9b\u5b9e\u9645\u9650\u5236\u3002\u56e0\u6b64\uff0c\u5982\u679c\u60a8\u60f3\u521b\u5efa\u4f20\u7edf\u94f6\u884c\uff0c\u8fd9\u662f\u4e00\u4e2a\u6b7b\u80e1\u540c\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5bf9\u4e8e\u90a3\u4e9b\u5e0c\u671b\u63d0\u4f9b\u7535\u5b50\u8d27\u5e01\u670d\u52a1\u7684\u4eba\u6765\u8bf4\uff0c\u7535\u5b50\u8d27\u5e01\u673a\u6784\u6267\u7167\u76f8\u5f53\u5177\u6709\u6210\u672c\u6548\u76ca\uff0c\u662f\u4e00\u4e2a\u975e\u5e38\u4e0d\u9519\u7684\u9009\u62e9\u3002\u8fd9\u7c7b\u6267\u7167\u4e0d\u7528\u4e8e\u53d1\u653e\u4fe1\u8d37\u6216\u5206\u6790\u4fe1\u8d37\u98ce\u9669\u3002\u8fd9\u7c7b\u6267\u7167\u4e0d\u80fd\u7528\u4e8e\u5b58\u6b3e\u4fdd\u9669\u6216\u4f20\u7edf\u7684\u5ba2\u6237\u8d44\u91d1\u6258\u7ba1\u3002\u5982\u679c\u60a8\u5e0c\u671b\u6258\u7ba1\u8d44\u91d1\uff0c\u5219\u5e94\u9009\u62e9\u5408\u4f5c\u4f19\u4f34\u5173\u7cfb...<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u65b0\u94f6\u884c\u5e2e\u52a9\u4f20\u7edf\u94f6\u884c......\u4f20\u7edf\u94f6\u884c\u5e2e\u52a9\u65b0\u94f6\u884c\u3002\u901a\u5e38\u5728\u4e0d\u5230 12 \u4e2a\u6708\u7684\u65f6\u95f4\u5185\u5c31\u53ef\u4ee5\u83b7\u5f97\u6267\u7167\uff0c\u6cd5\u5f8b\u8d39\u7528\u4e5f\u4e0d\u592a\u91cd\u8981\u3002\u7533\u8bf7\u4f20\u7edf\u76d1\u7ba1\u724c\u7167\u7684\u8d39\u7528\u7ea6\u4e3a 15 \u4e07\u6b27\u5143\u3002\u5efa\u7acb\u8fd9\u7c7b\u865a\u62df\u94f6\u884c\u7684\u5e73\u5747\u6210\u672c\u4e3a 100 \u4e07\u81f3 200 \u4e07\u6b27\u5143\u3002.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/q8xsczyh6d8-1024x683.jpg\" alt=\"\u5efa\u7b51\u7269\u7279\u5199\" class=\"wp-image-34402\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/q8xsczyh6d8-1024x683.jpg 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/q8xsczyh6d8-300x200.jpg 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/q8xsczyh6d8-768x512.jpg 768w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/q8xsczyh6d8-1536x1024.jpg 1536w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/q8xsczyh6d8.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-payment-institution-license-nbsp-nbsp\">\u652f\u4ed8\u673a\u6784\u8bb8\u53ef\u8bc1&nbsp;&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u53e6\u4e00\u79cd\u9009\u62e9\u662f\u7533\u8bf7\u652f\u4ed8\u673a\u6784\u8bb8\u53ef\u8bc1\u6216 PI\uff0c\u5b83\u652f\u6301\u652f\u4ed8\u670d\u52a1\u548c\u901a\u8fc7\u5361\u6216\u76f4\u63a5\u7cfb\u7edf\u4e0a\u7684\u76f4\u63a5\u501f\u8bb0\u8fdb\u884c\u7684\u4e00\u5207\u4ea4\u6613\u3002\u89e3\u6563\u8fd8\u63d0\u4f9b\u73b0\u91d1\u652f\u4ed8\u548c\u68ee\u6797\u4ea4\u6613\u3002\u5f97\u76ca\u4e8e DSP2 PSD2\uff0c\u5728\u6b27\u6d32\u89e3\u6563\u652f\u4ed8\u673a\u6784\u5b9e\u9645\u4e0a\u662f\u76f8\u5f53\u6709\u6548\u7684\u3002\u4f46\u662f\uff0c\u89e3\u6563\u4e5f\u6709\u4e00\u4e9b\u5c40\u9650\u6027<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">PI \u4e0d\u5141\u8bb8\u957f\u671f\u4fe1\u8d37\uff0c\u4f46\u60a8\u53ef\u4ee5\u4f7f\u7528\u4e0e\u5176\u4ed6\u91d1\u878d\u673a\u6784\u7684\u7279\u5b9a\u8d37\u6b3e\u4fee\u590d\u6865\u6881\u3002\u4ece\u67d0\u79cd\u7a0b\u5ea6\u4e0a\u8bf4\uff0c\u5982\u679c\u60a8\u5e0c\u671b\u62e5\u6709\u5b8c\u6574\u7684\u94f6\u884c\u6267\u7167\uff0c\u8fd9\u662f\u4e00\u6761\u6377\u5f84\u3002\u60a8\u5fc5\u987b\u4ed4\u7ec6\u7814\u7a76\u5408\u4f5c\u94f6\u884c\u7684\u8ba1\u5212\uff0c\u770b\u770b\u5982\u4f55\u5c06\u60a8\u7684\u4e2a\u4eba\u8d37\u6b3e\u670d\u52a1\u6258\u7ba1\u5728\u5176\u65d7\u4e0b\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0e EMI \u4e0d\u540c\uff0cPI \u4e0d\u80fd\u8fdb\u884c\u6258\u7ba1\uff01\u60a8\u5fc5\u987b\u4e0e\u4e00\u5bb6\u4fe1\u8d37\u673a\u6784\u5408\u4f5c\uff0c\u7531\u6cd5\u56fd\u5b58\u6b3e\u62c5\u4fdd\u548c\u89e3\u51b3\u57fa\u91d1\uff08FGDR - Fonds de Garantie des D\u00e9p\u00f4ts et de R\u00e9solution\uff09\u4e3a\u6bcf\u4f4d\u5ba2\u6237\u63d0\u4f9b\u6700\u9ad8 10 \u4e07\u6b27\u5143\u7684\u8d44\u91d1\u62c5\u4fdd\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u60a8\u5e0c\u671b\u6709\u671d\u4e00\u65e5\u6210\u4e3a\u4e00\u5bb6\u6210\u719f\u7684\u94f6\u884c\uff0c\u60a8\u5c06\u7533\u8bf7 PI\u3002\u7533\u8bf7\u8fc7\u7a0b\u4e0d\u8d85\u8fc7 12 \u4e2a\u6708\u3002\u6b64\u7c7b\u7ed3\u6784\u7684\u6cd5\u5f8b\u8d39\u7528\u4ece 5 \u4e07\u6b27\u5143\u5230 15 \u4e07\u6b27\u5143\u4e0d\u7b49\u3002\u4ef7\u683c\u53d6\u51b3\u4e8e\u60a8\u5e0c\u671b\u63d0\u4f9b\u7684\u91d1\u878d\u4ea7\u54c1\u548c\u94f6\u884c\u8d26\u6237\u6d3b\u52a8\u3002\u5e73\u5747\u800c\u8a00\uff0c\u60a8\u7684\u6311\u6218\u8005\u94f6\u884c\u5fc5\u987b\u62e5\u6709 45 \u4e07\u6b27\u5143\u81f3 150 \u4e07\u6b27\u5143\u7684\u8d44\u91d1\uff0c\u624d\u80fd\u5b8c\u6210\u6574\u4e2a\u8fd0\u8425\u3002.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"599\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/8yw6tsb8tnc-1-1024x599.jpg\" alt=\"\u84dd\u9ec4\u661f\u65d7\" class=\"wp-image-34404\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/8yw6tsb8tnc-1-1024x599.jpg 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/8yw6tsb8tnc-1-300x176.jpg 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/8yw6tsb8tnc-1-768x449.jpg 768w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/8yw6tsb8tnc-1-1536x899.jpg 1536w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/8yw6tsb8tnc-1.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-payment-service-provider-agent-model\">\u652f\u4ed8\u670d\u52a1\u63d0\u4f9b\u5546\u4ee3\u7406\u6a21\u5f0f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u4f60\u662f\u4e9a\u6d32\u6a21\u7279\uff0c\u4f60\u9700\u8981\u6709\u81ea\u5df1\u7684\u5149\u7167\u8bb8\u53ef\u548c\u5e2e\u52a9\u3002\u521d\u521b\u4f01\u4e1a\u548c\u7ec4\u7ec7\u662f\u5426\u5fc5\u987b\u611f\u6fc0\u5f52\u5c5e\u4e8e\u53e6\u4e00\u5bb6\u516c\u53f8\u7684\u4fdd\u62a4\u4f1e\u4e4b\u4e0b\uff1f\u521d\u521b\u4f01\u4e1a\u5728\u8fbe\u5230\u8db3\u591f\u7684\u89c4\u6a21\u52a0\u5165\u6311\u6218\u94f6\u884c\u7684\u884c\u5217\u4e4b\u524d\uff0c\u90fd\u662f\u5728\u7b2c\u4e09\u65b9\u7684\u4fdd\u62a4\u4e0b\u8fd0\u4f5c\u7684\u3002\u4ed6\u4eec\u5fc5\u987b\u9075\u5faa\u865a\u62df <a href=\"https:\/\/www.investglass.com\/zh\/ai-%e5%af%b9%e4%b8%ad%e5%a4%ae%e9%93%b6%e8%a1%8c%e8%b4%a7%e5%b8%81%e6%94%bf%e7%ad%96%e5%92%8c%e5%86%b3%e7%ad%96%e8%bf%87%e7%a8%8b%e7%9a%84%e5%bd%b1%e5%93%8d\/\" target=\"_blank\" rel=\"noopener\" data-wpil-monitor-id=\"2047\">\u94f6\u884c\u653f\u7b56<\/a> \u4ee5\u53ca\u5408\u4f5c\u4f19\u4f34\u865a\u62df\u94f6\u884c\u8bb8\u53ef\u653f\u7b56\u3002\u8fd9\u4e9b\u65b0\u94f6\u884c\u4ee5\u767d\u6807\u501f\u8bb0\u5361\u7684\u5f62\u5f0f\u8fd0\u8425\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f1e\u5f0f\u94f6\u884c\u73b0\u5728\u662f\u4e00\u5bb6\u670d\u52a1\u63d0\u4f9b\u5546\uff0c\u63d0\u4f9b\u5b58\u6b3e\u8d26\u6237\u3001\u8d27\u5e01\u5151\u6362\u3001\u6d3b\u671f\u8d26\u6237\u3001\u9884\u7b97\u7ba1\u7406\u3001\u7f51\u4e0a\u94f6\u884c\u7b49\u670d\u52a1\uff0c\u901a\u5e38\u5728\u4e24\u5929\u5185\u83b7\u5f97\u4f1e\u5f0f\u516c\u53f8\u7684\u8bb8\u53ef\u3002\u8be5\u4f1e\u5f0f\u516c\u53f8\u5c06\u901a\u8fc7\u7ba1\u7406\u8d44\u4ea7\u6216\u4ea4\u6613\u6d41\u91cf\u7684\u70b9\u6570\u6765\u8d5a\u94b1\u3002\u5f88\u597d\u7684\u6d4b\u8bd5\u65b9\u6cd5 <a href=\"https:\/\/www.investglass.com\/zh\/%e4%ba%ba%e5%b7%a5%e6%99%ba%e8%83%bd%e5%9c%a8%e9%93%b6%e8%a1%8c%e8%90%a5%e9%94%80%e4%b8%ad%e7%9a%84%e5%8f%98%e9%9d%a9%e6%80%a7%e5%ba%94%e7%94%a8\/\" target=\"_blank\" rel=\"noopener\" data-wpil-monitor-id=\"2351\">\u5728\u4f60\u771f\u6b63\u521b\u529e\u81ea\u5df1\u7684\u94f6\u884c\u4e4b\u524d<\/a>. .\u663e\u7136\uff0c\u5176\u4e3b\u8981\u4f18\u70b9\u662f\u53ef\u4ee5\u5feb\u901f\u542f\u52a8\u3002\u6700\u5927\u7684\u7f3a\u70b9\u662f\uff0c\u60a8\u9700\u8981\u4f9d\u8d56\u7b2c\u4e09\u65b9\u7cfb\u7edf\u548c\u63a7\u5236......\u56e0\u6b64\uff0c\u5982\u679c\u60a8\u9700\u8981\u7ba1\u7406\u590d\u6742\u7684 KYC \u548c\u8865\u6551\u63aa\u65bd\u3002\u60a8\u5e94\u8be5\u4ed4\u7ec6\u6d4b\u8bd5\u4f1e\u5f0f\u91d1\u878d\u670d\u52a1\u63d0\u4f9b\u5546\u662f\u5426\u4f1a\u968f\u7740\u60a8\u7684\u53d1\u5c55\u800c\u53d1\u5c55\u3002\u6bcf\u6708\u7684\u7ef4\u62a4\u8d39\u7528\u53ef\u80fd\u4f1a\u6210\u4e3a\u8fd9\u79cd\u6a21\u5f0f\u7684\u969c\u788d\u3002.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/y_6rqstqbyq-1024x683.jpg\" alt=\"\u8eab\u7740\u767d\u9ed1\u683c\u5b50\u8fd0\u52a8\u6263\u886c\u886b\u7684\u7537\u5b50\u6307\u7740\u94f6\u8272 MacBook\" class=\"wp-image-34374\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/y_6rqstqbyq-1024x683.jpg 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/y_6rqstqbyq-300x200.jpg 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/y_6rqstqbyq-768x512.jpg 768w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/y_6rqstqbyq-1536x1024.jpg 1536w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/y_6rqstqbyq.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-payment-neo-neo-licenses\">\u652f\u4ed8 Neo neo \u8bb8\u53ef\u8bc1<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u73b0\u5728\uff0c\u5168\u4e16\u754c\u90fd\u53ef\u4ee5\u4ece\u66f4\u52a0\u7075\u6d3b\u7684\u76d1\u7ba1\u4e2d\u53d7\u76ca\u3002\u901a\u8fc7\u4f2a\u94f6\u884c\u6267\u7167\uff0c\u60a8\u53ef\u4ee5\u5728\u6ca1\u6709\u590d\u6742\u94f6\u884c\u6267\u7167\u7684\u60c5\u51b5\u4e0b\u5efa\u7acb\u81ea\u5df1\u7684\u94f6\u884c\u3002\u8fd9\u79cd\u65b0\u578b\u8bb8\u53ef\u8bc1\u4e3a\u65b0\u7684\u6570\u5b57\u94f6\u884c\u673a\u9047\u6253\u5f00\u4e86\u5927\u95e8\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u65b0\u7248 Instaprint \u94f6\u884c\u5728\u73b0\u5b9e\u4e2d\u63d0\u4f9b\u652f\u4ed8\u7b49\u91d1\u878d\u670d\u52a1\uff0c\u4ee5\u9002\u5e94\u5bbd\u677e\u7684\u76d1\u7ba1\u3002\u652f\u4ed8\u8bb8\u53ef\u8bc1\u901a\u5e38\u4e0e\u76d1\u7ba1\u53d1\u9001\u7bb1\u76f8\u5173\u8054\uff0c\u800c\u76d1\u7ba1\u53d1\u9001\u7bb1\u5219\u4e3a\u65b0\u7684\u6570\u5b57\u94f6\u884c\u63d0\u4f9b\u4e86\u8bd5\u9a8c\u573a\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-does-investglass-help-you-with-building-your-own-banking-services\">InvestGlass \u5982\u4f55\u5e2e\u52a9\u60a8\u5efa\u7acb\u81ea\u5df1\u7684\u94f6\u884c\u670d\u52a1\uff1f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass \u662f\u4e0b\u4e00\u4ee3\u6838\u5fc3 CRM \u7cfb\u7edf\uff0c\u53ef\u901a\u8fc7 API \u4e0e\u4efb\u4f55\u91d1\u878d\u6280\u672f\u8fde\u63a5\u3002\u6211\u4eec\u5c06 CRM \u6838\u5fc3\u4e0e\u5178\u578b\u7684\u65b0\u94f6\u884c\u670d\u52a1\u8fde\u63a5\u8d77\u6765\uff0c\u5e2e\u52a9\u516c\u53f8\u4e0e\u6700\u597d\u7684\u91d1\u878d\u79d1\u6280\u516c\u53f8\u5408\u4f5c\u3002\u6211\u4eec\u6253\u9020\u673a\u5668\u4eba\u987e\u95ee\uff0c\u4e3a\u91d1\u878d\u5065\u5eb7\u3001\u4fdd\u9669\u3001\u62b5\u62bc\u8d37\u6b3e\u3001MIFID\u3001FinSa \u5165\u804c\u7b49\u521b\u5efa\u4efb\u4f55\u7c7b\u578b\u7684\u5165\u804c\u670d\u52a1\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass 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class=\"wp-block-list\">\n<li>\u6539\u9020\u4f20\u7edf\u94f6\u884c<\/li>\n\n\n\n<li>\u8fde\u63a5\u94f6\u884c\u670d\u52a1<\/li>\n\n\n\n<li>\u7406\u8d22\u5e94\u7528\u7a0b\u5e8f<\/li>\n\n\n\n<li>\u8fde\u63a5\u6c47\u6b3e<\/li>\n\n\n\n<li>\u521b\u5efa\u4fdd\u9669\u516c\u53f8<\/li>\n\n\n\n<li>\u94f6\u884c\u5b9e\u4f53\u7f51\u70b9\u73b0\u4ee3\u5316<\/li>\n\n\n\n<li>\u70b9\u5bf9\u70b9\u652f\u4ed8\u7cfb\u7edf<\/li>\n\n\n\n<li>\u5efa\u7acb\u5168\u9762\u7684\u94f6\u884c\u670d\u52a1\u5e73\u53f0<\/li>\n\n\n\n<li>\u4ee5\u5168\u65b0\u7684\u6570\u5b57\u4f53\u9a8c\u8fde\u63a5\u5b9e\u4f53\u5206\u884c<\/li>\n\n\n\n<li>\u63d0\u5347\u81ea\u52a8\u5316\uff0c\u5728\u63d0\u4f9b\u5ba2\u6237\u5173\u7cfb\u670d\u52a1\u65b9\u9762\u5b9e\u73b0\u81ea\u52a8\u5316<\/li>\n\n\n\n<li>\u521b\u5efa\u79fb\u52a8\u5e94\u7528\u7a0b\u5e8f<\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>The shift toward&nbsp;digital banking&nbsp;is accelerating, with&nbsp;36% of UK adults&nbsp;now using digital-only accounts, and&nbsp;64% of millennials&nbsp;relying on app-based banking (Finder). Leading neobanks like&nbsp;Revolut&nbsp;and&nbsp;Monzo&nbsp;are thriving, with&nbsp;Revolut surpassing 45 million users globally&nbsp;and&nbsp;Monzo exceeding 10 million UK customers&nbsp;in 2024 (UK Tech News). As digital preferences grow, traditional banks must innovate to stay competitive. Which license do you need to [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":30163,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[285],"class_list":["post-30162","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article","tag-neobank-license"],"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>Which license do you need to become a neobank? | InvestGlass<\/title>\n<meta name=\"description\" content=\"Which license do you need to become a neobank?\" \/>\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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