{"id":34741,"date":"2022-10-04T14:35:37","date_gmt":"2022-10-04T12:35:37","guid":{"rendered":"https:\/\/www.investglass.com\/?p=34741"},"modified":"2025-10-28T11:34:02","modified_gmt":"2025-10-28T10:34:02","slug":"%e5%a6%82%e4%bd%95%e5%9c%a8-2023-%e5%b9%b4%e4%bb%8e%e9%9b%b6%e5%bc%80%e5%a7%8b%e5%88%9b%e5%bb%ba%e6%96%b0%e9%93%b6%e8%a1%8c","status":"publish","type":"post","link":"https:\/\/www.investglass.com\/zh\/how-to-create-a-neobank-from-scratch-in-2023\/","title":{"rendered":"\u5982\u4f55\u5728 2023 \u5e74\u4ece\u96f6\u5f00\u59cb\u521b\u5efa\u65b0\u94f6\u884c\uff1f"},"content":{"rendered":"<p class=\"wp-block-paragraph\">\u521b\u529e&nbsp;<strong>\u767d\u624b\u8d77\u5bb6<\/strong>&nbsp;\u8fd9\u9700\u8981\u5927\u91cf\u8d44\u91d1\u3001\u76d1\u7ba1\u90e8\u95e8\u7684\u6279\u51c6\u548c\u5f3a\u6709\u529b\u7684\u4e1a\u52a1\u6218\u7565\u3002\u5728&nbsp;<strong>\u7f8e\u56fd\u7684\u6700\u4f4e\u8d44\u672c\u8981\u6c42<\/strong>&nbsp;\u901a\u5e38\u662f&nbsp;<strong>$ 2 000 \u4e07\u81f3 3 000 \u4e07<\/strong>, \u800c\u5728&nbsp;<strong>\u82f1\u56fd\uff0c\u81f3\u5c11 500 \u4e07\u6b27\u5143<\/strong>&nbsp;(<a href=\"https:\/\/www.bankofengland.co.uk\/-\/media\/boe\/files\/prudential-regulation\/new-bank\/shouldibecomeabank.pdf?utm_source=chatgpt.com\">\u82f1\u683c\u5170\u94f6\u884c<\/a>).\u786e\u4fdd&nbsp;<strong>\u94f6\u884c\u6267\u7167<\/strong>&nbsp;\u8fd9\u6d89\u53ca\u4e25\u683c\u7684\u5408\u89c4\u68c0\u67e5\u548c\u98ce\u9669\u8bc4\u4f30\u3002\u6b64\u5916\uff0c\u6295\u8d44&nbsp;<strong>\u5f3a\u5927\u7684\u6280\u672f\u548c\u7f51\u7edc\u5b89\u5168<\/strong>&nbsp;\u5bf9\u4e8e\u786e\u4fdd\u8fd0\u8425\u6548\u7387\u548c\u9075\u5b88\u6cd5\u89c4\u81f3\u5173\u91cd\u8981\uff08\u5fb7\u52e4\uff09\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u672c\u6587\u4e2d\uff0c\u6211\u4eec\u5c06\u4e0e\u60a8\u5206\u4eab\u4e00\u4e9b\u4ece\u96f6\u5f00\u59cb\u5f00\u5c55\u65b0\u94f6\u884c\u670d\u52a1\u7684\u5173\u952e\u60f3\u6cd5\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-a-neobank-and-why-are-they-becoming-so-popular\">\u4ec0\u4e48\u662f\u65b0\u94f6\u884c\uff0c\u5b83\u4eec\u4e3a\u4f55\u5982\u6b64\u53d7\u6b22\u8fce\uff1f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u65b0\u94f6\u884c\u662f\u4e00\u5bb6\u7eaf\u6570\u5b57\u94f6\u884c\uff0c\u901a\u8fc7\u4f7f\u7528\u5c16\u7aef\u6280\u672f\u63d0\u4f9b\u66f4\u597d\u7684\u5ba2\u6237\u4f53\u9a8c\u548c\u66f4\u9ad8\u7684\u5b89\u5168\u6027\u3002. <a href=\"https:\/\/www.investglass.com\/zh\/%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\/\" target=\"_blank\" rel=\"noopener\" data-wpil-monitor-id=\"836\">\u65b0\u94f6\u884c\u6b63\u5728\u6210\u4e3a<\/a> \u968f\u7740\u8d8a\u6765\u8d8a\u591a\u7684\u6d88\u8d39\u8005\u4ece\u4f20\u7edf\u94f6\u884c\u673a\u6784\u8f6c\u5411\u6570\u5b57\u4f18\u5148\u5e73\u53f0\uff0c\u65b0\u94f6\u884c\u5e94\u7528\u7a0b\u5e8f\u8d8a\u6765\u8d8a\u53d7\u6b22\u8fce\u3002\u65b0\u94f6\u884c\u5e94\u7528\u7a0b\u5e8f\u7684\u5f00\u53d1\u4f7f\u6d88\u8d39\u8005\u6bd4\u4ee5\u5f80\u4efb\u4f55\u65f6\u5019\u90fd\u66f4\u5bb9\u6613\u8bbf\u95ee\u81ea\u5df1\u7684\u8d26\u6237\u548c\u8fdb\u884c\u91d1\u878d\u4ea4\u6613\u3002\u6b64\u5916\uff0c\u4e0e\u4f20\u7edf\u94f6\u884c\u76f8\u6bd4\uff0c\u65b0\u94f6\u884c\u901a\u5e38\u63d0\u4f9b\u66f4\u5e7f\u6cdb\u7684\u670d\u52a1\uff0c\u5305\u62ec\u5916\u6c47\u3001\u6295\u8d44\u751a\u81f3\u4fdd\u9669\u4ea7\u54c1\u3002\u5bf9\u8bb8\u591a\u6d88\u8d39\u8005\u6765\u8bf4\uff0c\u65b0\u94f6\u884c\u7684\u4fbf\u5229\u6027\u548c\u7075\u6d3b\u6027\u4f7f\u5176\u6210\u4e3a\u6bd4\u4f20\u7edf\u94f6\u884c\u66f4\u5177\u5438\u5f15\u529b\u7684\u9009\u62e9\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\/10\/tcq-0qemwyq-1024x683.jpg\" alt=\"\u624b\u6301\u9ed1\u8272\u4e09\u661f\u5b89\u5353\u667a\u80fd\u624b\u673a\u7684\u4eba\" class=\"wp-image-34746\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/10\/tcq-0qemwyq-1024x683.jpg 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/10\/tcq-0qemwyq-300x200.jpg 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/10\/tcq-0qemwyq-768x512.jpg 768w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/10\/tcq-0qemwyq-1536x1024.jpg 1536w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/10\/tcq-0qemwyq.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-do-you-create-a-neobank-from-scratch-in-2022-and-what-challenges-will-you-face-along-the-way\">\u5982\u4f55\u5728 2022 \u5e74\u4ece\u96f6\u5f00\u59cb\u521b\u5efa\u4e00\u5bb6\u65b0\u94f6\u884c\uff0c\u4e00\u8def\u4e0a\u4f1a\u9762\u4e34\u54ea\u4e9b\u6311\u6218\uff1f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u4eca\uff0c\u7f51\u4e0a\u6709\u8bb8\u591a\u94f6\u884c\u670d\u52a1\u3002\u7136\u800c\uff0c\u968f\u7740\u65b0\u94f6\u884c\u7684\u51fa\u73b0\uff0c\u6211\u4eec\u6709\u673a\u4f1a\u63d0\u4f9b\u4e00\u5957\u66f4\u5168\u9762\u7684\u94f6\u884c\u670d\u52a1\u3002 <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=\"977\">\u6570\u5b57\u94f6\u884c<\/a> \u670d\u52a1\u3002\u8981\u5728 2022 \u5e74\u4ece\u96f6\u5f00\u59cb\u521b\u5efa\u4e00\u5bb6\u65b0\u94f6\u884c\uff0c\u5c31\u5fc5\u987b\u83b7\u5f97\u94f6\u884c\u6267\u7167\uff0c\u5e76\u4e0e\u5404\u79cd\u670d\u52a1\u63d0\u4f9b\u5546\u5408\u4f5c\u3002\u83b7\u5f97 <a 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\" data-wpil-monitor-id=\"2263\">\u94f6\u884c\u6267\u7167\u53ef\u80fd\u662f\u4e00\u9879\u6311\u6218<\/a> \u56e0\u4e3a\u5b83\u9700\u8981\u6ee1\u8db3\u67d0\u4e9b\u76d1\u7ba1\u8981\u6c42\u3002\u4f46\u662f\uff0c\u4e00\u65e6\u83b7\u5f97\uff0c\u65b0\u94f6\u884c\u5c31\u53ef\u4ee5\u63d0\u4f9b\u5168\u9762\u7684\u94f6\u884c\u670d\u52a1\u3002\u5728\u4e0e\u670d\u52a1\u63d0\u4f9b\u5546\u5408\u4f5c\u65b9\u9762\uff0c\u91cd\u8981\u7684\u662f\u8981\u9009\u62e9\u53ef\u9760\u5e76\u80fd\u63d0\u4f9b\u826f\u597d\u670d\u52a1\u7684\u5408\u4f5c\u4f19\u4f34\u3002\u6b64\u5916\uff0c\u8fd8\u5fc5\u987b\u8003\u8651\u670d\u52a1\u63d0\u4f9b\u5546\u6536\u53d6\u7684\u8d39\u7528\uff0c\u4ee5\u786e\u4fdd\u65b0\u94f6\u884c\u80fd\u591f\u63d0\u4f9b\u6709\u7ade\u4e89\u529b\u7684\u4ef7\u683c\u3002\u5f52\u6839\u7ed3\u5e95\uff0c\u8003\u8651\u5230\u8fd9\u4e9b\u56e0\u7d20\uff0c\u5c31\u6709\u53ef\u80fd\u5728 2022 \u5e74\u4ece\u96f6\u5f00\u59cb\u521b\u5efa\u4e00\u4e2a\u6210\u529f\u7684\u65b0\u94f6\u884c\u5e73\u53f0\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-features-will-your-neobank-have-to-differentiate-it-from-the-other-banking-services-and-how-will-you-make-money-off-of-it\">\u4f60\u7684\u65b0\u94f6\u884c\u6709\u54ea\u4e9b\u4e0e\u5176\u4ed6\u94f6\u884c\u670d\u52a1\u4e0d\u540c\u7684\u529f\u80fd\uff0c\u4f60\u5c06\u5982\u4f55\u4ece\u4e2d\u83b7\u5229\uff1f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e3a\u4e86\u4f7f\u6211\u4eec\u7684\u65b0\u94f6\u884c\u5728\u7ade\u4e89\u4e2d\u8131\u9896\u800c\u51fa\uff0c\u6211\u4eec\u5c06\u4e13\u6ce8\u4e8e\u63d0\u4f9b\u4ee5\u5ba2\u6237\u4e3a\u4e2d\u5fc3\u7684\u89e3\u51b3\u65b9\u6848\uff0c\u63d0\u5347\u5ba2\u6237\u4f53\u9a8c\u3002\u6211\u4eec\u8fd8\u5c06\u4fdd\u62a4\u5ba2\u6237\u6570\u636e\uff0c\u63a8\u5e7f\u4ee5\u5ba2\u6237\u4e3a\u4e2d\u5fc3\u7684\u89e3\u51b3\u65b9\u6848\u3002\u6211\u4eec\u589e\u5f3a\u5ba2\u6237\u4f53\u9a8c\u7684\u65b0\u94f6\u884c\u5c06\u5438\u5f15\u5ba2\u6237\uff0c\u800c\u5ba2\u6237\u83b7\u53d6\u5c06\u6210\u4e3a\u6211\u4eec\u589e\u957f\u7684\u4e3b\u8981\u9a71\u52a8\u529b\u3002\u6211\u4eec\u76f8\u4fe1\uff0c\u901a\u8fc7\u63d0\u4f9b\u5353\u8d8a\u7684\u5ba2\u6237\u4f53\u9a8c\uff0c\u6211\u4eec\u5c06\u80fd\u591f\u5728\u7ade\u4e89\u4e2d\u8131\u9896\u800c\u51fa\uff0c\u63a8\u52a8\u6211\u4eec\u7684 neobank \u663e\u8457\u589e\u957f\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8981\u6210\u4e3a\u4e00\u4e2a\u65b0\u94f6\u884c\u5e73\u53f0\uff0c\u4f60\u4e0d\u9700\u8981\u6210\u4e3a\u4e00\u5bb6\u91d1\u878d\u79d1\u6280\u516c\u53f8\u3002\u91d1\u878d\u89e3\u51b3\u65b9\u6848\u5df2\u7ecf\u5b58\u5728\uff0c\u652f\u4ed8\u7f51\u5173\u901a\u8fc7 API \u4e0e\u8f6f\u4ef6\u89e3\u51b3\u65b9\u6848\u76f8\u8fde\u3002\u5728\u5f00\u59cb\u4e4b\u524d\uff0c\u670d\u52a1\u63d0\u4f9b\u5546\u5e94\u6536\u5230\u4e00\u4efd\u8be6\u7ec6\u7684\u62db\u6807\u4e66\u3002RFP \u662f\u8981\u6c42\u4f9b\u5e94\u5546\u63d0\u4ea4\u7279\u5b9a\u4ea7\u54c1\u6216\u670d\u52a1\u5efa\u8bae\u4e66\u7684\u6b63\u5f0f\u9080\u8bf7\u3002RFP \u6982\u8ff0\u4e86\u4ea7\u54c1\u6216\u670d\u52a1\u5fc5\u987b\u6ee1\u8db3\u7684\u8981\u6c42\uff0c\u5e76\u63d0\u4f9b\u4e86\u5982\u4f55\u63d0\u4ea4\u5efa\u8bae\u4e66\u7684\u8bf4\u660e\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5f53\u4f01\u4e1a\u5e0c\u671b\u6536\u96c6\u6709\u5173\u6f5c\u5728\u4f9b\u5e94\u5546\u7684\u4fe1\u606f\uff08\u5982\u7ecf\u9a8c\u3001\u80fd\u529b\u548c\u5b9a\u4ef7\uff09\u65f6\uff0c\u5c31\u4f1a\u4f7f\u7528 RFI\u3002RFI \u901a\u5e38\u5728\u4f9b\u5e94\u5546\u9009\u62e9\u6d41\u7a0b\u7684\u65e9\u671f\u4f7f\u7528\uff0c\u7136\u540e\u518d\u51b3\u5b9a\u662f\u5426\u53d1\u51fa RFP\u3002\u5207\u8bb0\u8981\u8be2\u95ee\u4ed6\u4eec\u5982\u4f55\u7ba1\u7406\u5ba2\u6237\u6570\u636e\uff0c\u4ee5\u53ca\u4ed6\u4eec\u4e3a\u624b\u673a\u51c6\u5907\u4e86\u4ec0\u4e48\u3002\u6211\u4eec\u79f0\u4e4b\u4e3a SDK\uff0c\u5373\u5177\u6709\u6269\u5c55\u80fd\u529b\u7684\u8f6f\u4ef6\u5f00\u53d1\u5de5\u5177\u5305\u3002\u5927\u591a\u6570\u516c\u53f8\u90fd\u6709\u73b0\u6210\u7684 SDK\uff0c\u7528\u4e8e <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>. \u4f20\u7edf\u94f6\u884c\u548c\u4f20\u7edf\u94f6\u884c\u670d\u52a1\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\/10\/vxinuov1n84-1024x683.jpg\" alt=\"\u9ed1\u8272\u5b89\u5353\u667a\u80fd\u624b\u673a\" class=\"wp-image-34743\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/10\/vxinuov1n84-1024x683.jpg 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/10\/vxinuov1n84-300x200.jpg 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/10\/vxinuov1n84-768x512.jpg 768w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/10\/vxinuov1n84-1536x1024.jpg 1536w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/10\/vxinuov1n84.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u5f53\u4f01\u4e1a\u5e0c\u671b\u5c31\u7279\u5b9a\u4ea7\u54c1\u6216\u670d\u52a1\u5411\u6f5c\u5728\u4f9b\u5e94\u5546\u8be2\u4ef7\u65f6\uff0c\u5c31\u4f1a\u4f7f\u7528 RFQ\u3002RFQ \u901a\u5e38\u662f\u5728\u53d1\u5e03 RFI \u5e76\u7f29\u5c0f\u6f5c\u5728\u91d1\u878d\u79d1\u6280\u516c\u53f8\u540d\u5355\u4e4b\u540e\u53d1\u5e03\u7684\u3002\u60a8\u5e94\u533a\u5206\u5fc5\u987b\u5177\u5907\u7684\u529f\u80fd\u548c\u5e0c\u671b\u5177\u5907\u7684\u529f\u80fd\u3002\u60a8\u8fd8\u5e94\u8be2\u95ee\u4ed6\u4eec\u672a\u6765\u7684\u5e94\u7528\u5f00\u53d1\u60c5\u51b5\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u9009\u5b9a\u670d\u52a1\u63d0\u4f9b\u5546\u540e\uff0c\u91cd\u8981\u7684\u662f\u8981\u8003\u8651\u4ed6\u4eec\u6536\u53d6\u7684\u8d39\u7528\u3002\u8bb8\u591a\u670d\u52a1\u63d0\u4f9b\u5546\u90fd\u4f1a\u6536\u53d6\u6708\u8d39\uff0c\u56e0\u6b64\uff0c\u91cd\u8981\u7684\u662f\u8981\u8003\u8651\u60a8\u7684\u65b0\u94f6\u884c\u662f\u5426\u80fd\u8d1f\u62c5\u5f97\u8d77\u6708\u8d39\uff0c\u5e76\u5feb\u901f\u5f00\u901a\u548c\u8fd0\u884c\u7f51\u4e0a\u94f6\u884c\uff01<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-will-you-market-your-neobank-to-consumers-and-attract-new-customers\">\u60a8\u5c06\u5982\u4f55\u5411\u6d88\u8d39\u8005\u63a8\u9500\u60a8\u7684\u65b0\u94f6\u884c\u5e76\u5438\u5f15\u65b0\u5ba2\u6237\uff1f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e3a\u4e86\u5411\u6d88\u8d39\u8005\u63a8\u9500\u6211\u7684\u65b0\u94f6\u884c\u5e76\u4ece\u4f20\u7edf\u94f6\u884c\u5438\u5f15\u65b0\u5ba2\u6237\uff0c\u6211\u9700\u8981\u83b7\u5f97\u6267\u7167\u5e76\u63d0\u4f9b\u4f20\u7edf\u94f6\u884c\u670d\u52a1\u3002\u4f46\u662f\uff0c\u6211\u8fd8\u9700\u8981\u901a\u8fc7\u63d0\u4f9b\u4f20\u7edf\u94f6\u884c\u6240\u4e0d\u5177\u5907\u7684\u6570\u5b57\u94f6\u884c\u670d\u52a1\uff0c\u5c06\u6211\u7684\u65b0\u94f6\u884c\u4e0e\u4f20\u7edf\u94f6\u884c\u533a\u5206\u5f00\u6765\u3002\u6211\u8fd8\u9700\u8981\u63d0\u4f9b\u4f20\u7edf\u94f6\u884c\u6240\u4e0d\u5177\u5907\u7684\u66f4\u597d\u7684\u5ba2\u6237\u4f53\u9a8c\u3002\u4e3a\u4e86\u5438\u5f15\u65b0\u5ba2\u6237\uff0c\u6211\u9700\u8981\u63d0\u4f9b\u4f18\u4e8e\u4f20\u7edf\u94f6\u884c\u7684\u65b0\u94f6\u884c\u5e94\u7528\u7a0b\u5e8f\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-kind-of-financial-transactions-you-will-offer-based-on-the-banking-license-you-are-receiving\">\u6839\u636e\u60a8\u83b7\u5f97\u7684\u94f6\u884c\u6267\u7167\uff0c\u60a8\u5c06\u63d0\u4f9b\u4f55\u79cd\u91d1\u878d\u4ea4\u6613\uff1f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u60a8\u83b7\u5f97\u7684\u6267\u7167\u7c7b\u578b\u5c06\u51b3\u5b9a\u60a8\u80fd\u591f\u63d0\u4f9b\u7684\u94f6\u884c\u670d\u52a1\u3002\u4f8b\u5982\uff0c\u96f6\u552e\u94f6\u884c\u6267\u7167\u5141\u8bb8\u60a8\u63d0\u4f9b\u6d3b\u671f\u8d26\u6237\u3001\u4fe1\u7528\u5361\u548c\u62b5\u62bc\u8d37\u6b3e\u7b49\u670d\u52a1\u3002\u76f8\u6bd4\u4e4b\u4e0b\uff0c\u6279\u53d1\u94f6\u884c\u6267\u7167\u5141\u8bb8\u60a8\u63d0\u4f9b\u5916\u6c47\u3001\u6295\u8d44\u548c\u8d37\u6b3e\u7b49\u670d\u52a1\u3002\u91cd\u8981\u7684\u662f\u8981\u9009\u62e9\u6b63\u786e\u7684\u94f6\u884c\u6267\u7167\uff0c\u4ee5\u786e\u4fdd\u60a8\u7684\u65b0\u94f6\u884c\u80fd\u591f\u63d0\u4f9b\u5168\u9762\u7684\u670d\u52a1\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4ece\u96f6\u5f00\u59cb\u521b\u5efa\u65b0\u94f6\u884c\u53ef\u80fd\u662f\u4e00\u9879\u8270\u5de8\u7684\u4efb\u52a1\u3002\u4f46\u662f\uff0c\u53ea\u8981\u4ece\u5c0f\u505a\u8d77\uff0c\u4e13\u6ce8\u4e8e\u57fa\u672c\u8981\u7d20\uff0c\u5c31\u6709\u53ef\u80fd\u521b\u5efa\u4e00\u4e2a\u6210\u529f\u7684\u65b0\u94f6\u884c\u3002MVP\uff08\u6700\u5c0f\u53ef\u884c\u4ea7\u54c1\uff09\u662f\u6700\u597d\u7684\u8d77\u6b65\u65b9\u5f0f\uff0c\u56e0\u4e3a\u5b83\u53ef\u4ee5\u8ba9\u60a8\u6d4b\u8bd5\u81ea\u5df1\u7684\u60f3\u6cd5\u5e76\u83b7\u5f97\u5ba2\u6237\u7684\u53cd\u9988\u3002MVP \u5e94\u5305\u62ec\u65b0\u94f6\u884c\u6700\u57fa\u672c\u7684\u529f\u80fd\uff0c\u5e76\u4e14\u5e94\u6613\u4e8e\u4f7f\u7528\u3002\u901a\u8fc7\u4e13\u6ce8\u4e8e\u57fa\u672c\u529f\u80fd\uff0c\u60a8\u53ef\u4ee5\u786e\u4fdd\u60a8\u7684 neo \u94f6\u884c\u53d6\u5f97\u6210\u529f\u5e76\u6ee1\u8db3\u5ba2\u6237\u7684\u9700\u6c42\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u60a8\u7684\u76ee\u6807\u662f\u5feb\u901f\u91c7\u7528\uff0c\u90a3\u4e48\u60a8\u53ef\u80fd\u53ea\u60f3\u4f7f\u7528\u79fb\u52a8\u5e94\u7528\u7a0b\u5e8f\u3002\u6211\u4eec\u4f7f\u7528 Flutter \u6784\u5efa\u5e94\u7528\u7a0b\u5e8f\u3002Flutter \u662f\u4e00\u79cd\u53ef\u4ee5\u5728 IOS \u548c Android \u8bbe\u5907\u4e0a\u8fd0\u884c\u7684\u8bed\u8a00\u3002\u8fd9\u5c06\u4e3a\u60a8\u8282\u7701\u65f6\u95f4\u548c\u91d1\u94b1\uff0c\u56e0\u4e3a\u60a8\u4e0d\u5fc5\u4e3a\u6bcf\u4e2a\u5e73\u53f0\u521b\u5efa\u4e24\u4e2a\u5355\u72ec\u7684\u5e94\u7528\u7a0b\u5e8f\u3002\u5f00\u53d1\u56e2\u961f\u53ef\u4ee5\u8f7b\u677e\u4f7f\u7528\u73b0\u6709\u6a21\u677f\u3002\u6311\u6218\u8005\u94f6\u884c\u53ef\u4ee5\u6dfb\u52a0\u62b5\u62bc\u8d37\u6b3e\u3001\u50a8\u84c4\u8d26\u6237\u3001\u673a\u5668\u4eba\u987e\u95ee\u3001\u52a0\u5bc6\u670d\u52a1\u7b49\u6a21\u5757\uff0c\u5e76\u6839\u636e\u9700\u8981\u63d0\u4f9b\u4e0d\u540c\u7684\u6a21\u5757\u3002\u7528\u6237\u754c\u9762\u975e\u5e38\u91cd\u8981\uff0c\u56e0\u4e3a\u5b83\u5fc5\u987b\u7b80\u5355\u6613\u7528\u3001\u7f8e\u89c2\u5927\u65b9\u3002\u666e\u901a\u7528\u6237\u53ef\u80fd\u4e0d\u4e60\u60ef\u4f7f\u7528\u79fb\u52a8\u5e94\u7528\u7a0b\u5e8f\u6765\u6ee1\u8db3\u4ed6\u4eec\u7684\u94f6\u884c\u4e1a\u52a1\u9700\u6c42\uff0c\u56e0\u6b64\u60a8\u9700\u8981\u786e\u4fdd\u60a8\u7684\u76ee\u6807\u5e02\u573a\u80fd\u591f\u8f7b\u677e\u7406\u89e3\u548c\u4f7f\u7528\u60a8\u7684\u5e94\u7528\u7a0b\u5e8f\u3002Flutter \u662f\u6211\u4eec\u8fde\u63a5\u5230 InvestGlass \u6838\u5fc3\u7cfb\u7edf\u7684\u5b8c\u7f8e\u8bed\u8a00\u3002\u8fd9\u6837\u53ef\u4ee5\u907f\u514d FOMO\uff08\u5bb3\u6015\u9519\u8fc7\uff09\uff0c\u56e0\u4e3a\u6211\u4eec\u53ef\u4ee5\u5728\u6570\u5468\u800c\u4e0d\u662f\u6570\u6708\u5185\u5efa\u7acb\u65b0\u7684\u91d1\u878d\u670d\u52a1\u3002\u540e\u53f0\u5de5\u5177\u7531 InvestGlass \u63d0\u4f9b\uff0c\u524d\u7aef\u7531\u60a8\u51b3\u5b9a\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\/10\/3q3tsj01nc-1024x683.jpg\" alt=\"\u624b\u6301\u767d\u8272\u548c\u9ed1\u8272\u7eb8\u888b\u7684\u5987\u5973\u7167\u7247\" class=\"wp-image-34745\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/10\/3q3tsj01nc-1024x683.jpg 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/10\/3q3tsj01nc-300x200.jpg 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/10\/3q3tsj01nc-768x512.jpg 768w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/10\/3q3tsj01nc-1536x1024.jpg 1536w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/10\/3q3tsj01nc.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-the-risks-involved-in-starting-a-neobank-and-how-can-you-mitigate-them\">\u521b\u529e\u65b0\u94f6\u884c\u6709\u54ea\u4e9b\u98ce\u9669\uff0c\u5982\u4f55\u964d\u4f4e\u98ce\u9669\uff1f\u2019<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5f00\u529e\u65b0\u94f6\u884c\u4f1a\u6709\u4e00\u4e9b\u98ce\u9669\uff0c\u4f46\u901a\u8fc7\u7cbe\u5fc3\u89c4\u5212\u548c\u98ce\u9669\u7ba1\u7406\uff0c\u8fd9\u4e9b\u98ce\u9669\u662f\u53ef\u4ee5\u964d\u4f4e\u7684\u3002\u6700\u5927\u7684\u98ce\u9669\u4e4b\u4e00\u662f\u6d17\u94b1\uff0c\u56e0\u4e3a\u65b0\u94f6\u884c\u5f80\u5f80\u88ab\u7528\u6765\u4e3a\u6d17\u94b1\u6d3b\u52a8\u63d0\u4f9b\u4fbf\u5229\u3002\u4e3a\u964d\u4f4e\u8fd9\u4e00\u98ce\u9669\uff0c\u65b0\u94f6\u884c\u5e94\u5177\u5907\u5065\u5168\u7684 <a href=\"https:\/\/www.investglass.com\/zh\/%e4%ba%ba%e5%b7%a5%e6%99%ba%e8%83%bd%e6%94%b9%e5%8f%98%e5%8f%8d%e6%b4%97%e9%92%b1%e6%b8%b8%e6%88%8f%e8%a7%84%e5%88%99\/\" target=\"_blank\" rel=\"noopener\" data-wpil-monitor-id=\"2429\">\u53cd\u6d17\u94b1<\/a> \u5408\u89c4\u8ba1\u5212\u3002\u53e6\u4e00\u4e2a\u98ce\u9669\u662f\u5ba2\u6237\u79bb\u804c\uff0c\u5373\u5ba2\u6237\u5173\u95ed\u8d26\u6237\u6216\u505c\u6b62\u4f7f\u7528\u65b0\u94f6\u884c\u7684\u670d\u52a1\u3002\u53ef\u4ee5\u901a\u8fc7\u63d0\u4f9b\u6709\u5438\u5f15\u529b\u7684\u5229\u7387\u548c\u6761\u6b3e\u6765\u9f13\u52b1\u5ba2\u6237\u7ee7\u7eed\u4f7f\u7528\u65b0\u94f6\u884c\u7684\u670d\u52a1\uff0c\u4ece\u800c\u964d\u4f4e\u8fd9\u79cd\u98ce\u9669\u3002\u6700\u540e\uff0c\u58f0\u8a89\u98ce\u9669\u662f\u65b0\u94f6\u884c\u5173\u6ce8\u7684\u4e3b\u8981\u95ee\u9898\uff0c\u56e0\u4e3a\u4e00\u6869\u4e11\u95fb\u5c31\u53ef\u80fd\u5bf9\u94f6\u884c\u58f0\u8a89\u9020\u6210\u4e0d\u53ef\u633d\u56de\u7684\u635f\u5bb3\u3002\u4e3a\u964d\u4f4e\u8fd9\u4e00\u98ce\u9669\uff0c\u65b0\u94f6\u884c\u5e94\u6ce8\u91cd\u5efa\u7acb\u5f3a\u5927\u7684\u54c1\u724c\uff0c\u5e76\u4e0e\u5ba2\u6237\u53d1\u5c55\u79ef\u6781\u7684\u5173\u7cfb\u3002\u5728\u53d1\u5c55\u8fc7\u7a0b\u4e2d\uff0c\u5e94\u5c0f\u5fc3\u7ffc\u7ffc\u5730\u5411\u5ba2\u6237\u63d0\u4f9b\u670d\u52a1--\u5207\u8bb0\u4e0d\u8981\u62ff\u8d70\u5b69\u5b50\u7684\u793c\u7269\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u672a\u6765\u4e00\u4e2a\u6708\uff0c\u6211\u4eec\u5c06\u770b\u5230\u8bb8\u591a\u516c\u53f8\u53ef\u80fd\u6ca1\u6709\u8db3\u591f\u7684\u8d44\u91d1\u9762\u6765\u5e94\u5bf9\u5e02\u573a\u52a8\u8361\u3002\u8fd9\u5c06\u5bfc\u81f4\u94f6\u884c\u4e1a\u9762\u4e34\u66f4\u5927\u7684\u538b\u529b\uff0c\u9700\u8981\u63d0\u4f9b\u66f4\u591a\u7684\u4fe1\u8d37\u670d\u52a1\u548c\u4ea7\u54c1\uff0c\u5e2e\u52a9\u4f01\u4e1a\u6e21\u8fc7\u96be\u5173\u3002\u8fd9\u6b63\u662f\u65b0\u94f6\u884c\u53ef\u4ee5\u53d1\u6325\u4f5c\u7528\u7684\u5730\u65b9\uff0c\u5b83\u4eec\u53ef\u4ee5\u63d0\u4f9b\u4f20\u7edf\u94f6\u884c\u65e0\u6cd5\u63d0\u4f9b\u7684\u878d\u8d44\u4ea7\u54c1\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-the-potential-benefits-of-launching-a-neobank-in-2022-and-how-can-you-ensure-that-your-business-is-successful-long-term-versus-traditional-banks\">\u4e0e\u4f20\u7edf\u94f6\u884c\u76f8\u6bd4\uff0c2022 \u5e74\u521b\u529e\u65b0\u94f6\u884c\u6709\u54ea\u4e9b\u6f5c\u5728\u4f18\u52bf\uff1f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728 2022 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sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u81ea\u52a8\u5316\u5de5\u5177\u7684\u76ee\u7684\u8fd8\u5728\u4e8e\u66f4\u597d\u5730\u670d\u52a1\u4e8e\u5229\u57fa\u5e02\u573a\u548c\u8d85\u76ee\u6807\u53d7\u4f17\u3002\u4f8b\u5982\uff0c\u5982\u679c\u60a8\u662f\u4e00\u5bb6\u53ef\u6301\u7eed\u53d1\u5c55\u94f6\u884c\uff0c\u81ea\u52a8\u5316\u5de5\u5177\u5c06\u5e2e\u52a9\u60a8\u76d1\u6d4b\u5ba2\u6237\u7684\u6295\u8d44\u60c5\u51b5\u5e76\u63d0\u4f9b\u5efa\u8bae\u3002\u5982\u679c\u5ba2\u6237\u5728\u81ea\u5df1\u7684\u793e\u4ea4\u5a92\u4f53\u4e0a\u975e\u5e38\u6d3b\u8dc3\uff0c\u81ea\u52a8\u5316\u5de5\u5177\u5c31\u80fd\u5e2e\u52a9\u9891\u7e41\u53d1\u9001\u6709\u5173\u5e02\u573a\u60c5\u51b5\u6216\u5ba2\u6237\u53ef\u80fd\u611f\u5174\u8da3\u7684\u65b0\u4ea7\u54c1\u7684\u6700\u65b0\u4fe1\u606f\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass 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src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/investglass-welcome-dashboard-1-1024x627.png\" alt=\"\" class=\"wp-image-34178\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/investglass-welcome-dashboard-1-1024x627.png 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/investglass-welcome-dashboard-1-300x184.png 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/investglass-welcome-dashboard-1-768x470.png 768w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/investglass-welcome-dashboard-1.png 1200w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u65b0\u94f6\u884c\u56e0\u5176\u521b\u65b0\u529f\u80fd\u548c\u4ee5\u5ba2\u6237\u4e3a\u4e2d\u5fc3\u7684\u65b9\u6cd5\u800c\u8d8a\u6765\u8d8a\u53d7\u6b22\u8fce\u3002\u5982\u679c\u60a8\u6253\u7b97\u5728 2022 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In the&nbsp;U.S., the minimum capital requirement&nbsp;is typically&nbsp;$20-30 million, while in the&nbsp;UK, it&#8217;s at least \u20ac5 million&nbsp;(Bank of England). Securing a&nbsp;banking license&nbsp;involves strict compliance checks and risk assessments. Additionally, investing in&nbsp;robust technology and cybersecurity&nbsp;is crucial for ensuring operational efficiency and regulatory adherence (Deloitte). [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":34742,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[306],"class_list":["post-34741","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article","tag-create-a-neobank-from-scratch"],"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>How to create a neobank from scratch in 2023? | InvestGlass<\/title>\n<meta name=\"description\" content=\"Learn how to build a neobank from scratch in 2023. Explore key steps, technology, and strategies to launch a successful digital bank.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.investglass.com\/zh\/\u5982\u4f55\u5728-2023-\u5e74\u4ece\u96f6\u5f00\u59cb\u521b\u5efa\u65b0\u94f6\u884c\/\" \/>\n<meta property=\"og:locale\" content=\"zh_CN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to create a neobank from scratch in 2023?\" \/>\n<meta property=\"og:description\" content=\"Starting a&nbsp;bank from scratch&nbsp;requires significant capital, regulatory approvals, and a strong business strategy. 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