{"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":"%e5%9c%a8%e5%85%a8%e7%90%83-400-%e5%ae%b6%e6%96%b0%e9%93%b6%e8%a1%8c%e4%b8%ad%ef%bc%8c%e5%8f%aa%e6%9c%89%e4%b8%8d%e5%88%b0-5-%e5%ae%b6%e8%83%bd%e4%bb%8e%e6%95%b0%e5%ad%97%e9%93%b6%e8%a1%8c%e9%9a%be","status":"publish","type":"post","link":"https:\/\/www.investglass.com\/zh\/less-than-5-of-the-worlds-400-neobanks-are-profitable-the-digital-banking-conundrum\/","title":{"rendered":"\u5168\u7403 400 \u5bb6\u65b0\u94f6\u884c\u4e2d\u76c8\u5229\u7684\u4e0d\u5230 5%\uff1a\u6570\u5b57\u94f6\u884c\u96be\u9898"},"content":{"rendered":"<p class=\"wp-block-paragraph\">\u94f6\u884c\u4e1a\u6b63\u5728\u7ecf\u5386\u4e00\u573a\u5927\u53d8\u9769\uff0c\u5176\u4e3b\u8981\u9a71\u52a8\u529b\u662f\u6570\u5b57\u94f6\u884c\u7684\u51fa\u73b0\uff0c\u91cd\u5851\u4e86\u91d1\u878d\u673a\u6784\u7684\u4f20\u7edf\u89c4\u8303\u3002\u5728\u8fc7\u53bb\u5341\u5e74\u4e2d\uff0c\u865a\u62df\u94f6\u884c\u7684\u6570\u91cf\u6fc0\u589e\uff0c\u5b83\u4eec\u7684\u76ee\u6807\u662f\u5728\u6570\u5b57\u94f6\u884c\u9886\u57df\u63d0\u4f9b\u5353\u8d8a\u7684\u5ba2\u6237\u4f53\u9a8c\u3002\u7136\u800c\uff0c\u5728\u8fd9\u4e2a\u7eaf\u6570\u5b57\u94f6\u884c\u904d\u5730\u5f00\u82b1\u7684\u4e16\u754c\u91cc\uff0c\u6700\u8fd1\u7684\u4e00\u9879\u7814\u7a76\u8868\u660e\uff0c\u8fd9\u4e9b\u65b0\u94f6\u884c\u4e2d\u53ea\u6709\u4e0d\u5230 5% \u80fd\u591f\u5b9e\u73b0\u76c8\u5229\u3002\u8fd9\u5c31\u63d0\u51fa\u4e86\u4e00\u4e2a\u91cd\u5927\u6311\u6218\uff1a\u4e3a\u4ec0\u4e48\u76c8\u5229\u7684\u865a\u62df\u94f6\u884c\u5982\u6b64\u4e4b\u5c11\uff1f<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-cost-of-being-digital-banks-versus-traditional-banks\"><strong>\u6570\u5b57\u94f6\u884c\u4e0e\u4f20\u7edf\u94f6\u884c\u7684\u6210\u672c\u5bf9\u6bd4<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u9996\u5148\uff0c\u867d\u7136\u6ca1\u6709\u5b9e\u4f53\u5206\u5e97\u4e3a\u5927\u591a\u6570\u4eba\u63d0\u4f9b\u4e86\u6210\u672c\u4f18\u52bf <a href=\"https:\/\/www.investglass.com\/zh\/%e5%88%9b%e5%bb%ba%e6%95%b0%e5%ad%97%e9%93%b6%e8%a1%8c%e5%89%8d%e5%ba%94%e4%ba%86%e8%a7%a3%e7%9a%84%e4%ba%8b%e9%a1%b9\/\" target=\"_blank\" rel=\"noopener\" data-wpil-monitor-id=\"436\">\u6570\u5b57\u94f6\u884c<\/a>, \u4f46\u9ad8\u6602\u7684\u5ba2\u6237\u83b7\u53d6\u6210\u672c\u5f80\u5f80\u62b5\u6d88\u4e86\u8fd9\u4e00\u4f18\u52bf\u3002\u5728\u7ade\u4e89\u6fc0\u70c8\u7684\u65f6\u4ee3\uff0c\u8fd9\u4e9b\u94f6\u884c\u6b63\u82b1\u8d39\u5de8\u8d44\u6765\u83b7\u53d6\u5ba2\u6237\u3002\u6570\u5b57\u5316 <a class=\"wpil_keyword_link\" href=\"https:\/\/www.investglass.com\/zh\/%e8%90%a5%e9%94%80%e5%b7%a5%e5%85%b7\/\" target=\"_blank\" rel=\"noopener\" title=\"\u5e02\u573a\u8425\u9500\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"679\">\u5e02\u573a\u8425\u9500<\/a>, \u56e0\u6b64\uff0c\u79fb\u52a8\u5e94\u7528\u7a0b\u5e8f\u548c\u72ec\u7279\u7684\u4ef7\u503c\u4e3b\u5f20\u6784\u6210\u4e86\u5176\u5ba2\u6237\u83b7\u53d6\u6218\u7565\u7684\u6838\u5fc3\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u9999\u6e2f\uff0c\u4e0e\u97e9\u56fd\u7b49\u5176\u4ed6\u5168\u7403\u91d1\u878d\u4e2d\u5fc3\u4e00\u6837\uff0c\u65b0\u94f6\u884c\u4e5f\u88ab\u79f0\u4e3a <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=\"2243\">\u6311\u6218\u8005\u94f6\u884c<\/a>, \u8fd9\u4e9b\u4f01\u4e1a\u4e3a\u4e89\u593a\u65b0\u5ba2\u6237\u5c55\u5f00\u4e86\u6fc0\u70c8\u7684\u7ade\u4e89\u3002\u8be5\u5e02\u9996\u6b21\u51fa\u73b0 <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=\"946\">\u6570\u5b57\u94f6\u884c<\/a> \u7136\u800c\uff0c\u9762\u5bf9\u58f0\u8a89\u5353\u8457\u3001\u6df1\u53d7\u96f6\u552e\u5ba2\u6237\u4fe1\u8d56\u7684\u8001\u724c\u94f6\u884c\uff0c\u8bb8\u591a\u94f6\u884c\u90fd\u4e3e\u6b65\u7ef4\u8270\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Starling \u94f6\u884c\u5728\u4f17\u591a\u94f6\u884c\u4e2d\u8131\u9896\u800c\u51fa\u3002\u4ed6\u4eec\u5728\u96f6\u552e\u94f6\u884c\u4e1a\u52a1\u4e2d\u5efa\u7acb\u4e86\u91cd\u8981\u7684\u5ba2\u6237\u7fa4\uff0c\u5e76\u5229\u7528\u6570\u636e\u5206\u6790\u548c <a class=\"wpil_keyword_link\" title=\"\u4eba\u5de5\u667a\u80fd\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"353\" href=\"https:\/\/www.investglass.com\/zh\/%e8%87%aa%e5%8a%a8%e5%8c%96%e5%b7%a5%e5%85%b7\/\" target=\"_blank\" rel=\"noopener\">\u4eba\u5de5\u667a\u80fd<\/a> \u4ee5\u4f18\u5316\u5176\u670d\u52a1\u4ea7\u54c1\u3002\u4ed6\u4eec\u5f00\u53d1\u4e86\u4ece\u4e2a\u4eba\u8d37\u6b3e\u5230\u4fdd\u9669\u4ea7\u54c1\u7b49\u591a\u79cd\u6536\u5165\u6765\u6e90\uff0c\u4f7f\u4ed6\u4eec\u6bd4\u5176\u4ed6\u516c\u53f8\u66f4\u6709\u4f18\u52bf <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>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-digital-wave-challenges-legacy-trust-a-tale-of-two-banking-eras\"><strong>\u6570\u5b57\u6d6a\u6f6e\u6311\u6218\u4f20\u7edf\u4fe1\u4efb\uff1a\u4e24\u4e2a\u94f6\u884c\u65f6\u4ee3\u7684\u6545\u4e8b<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">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<p class=\"wp-block-paragraph\">\u7136\u800c\uff0c\u5bf9\u4e8e\u8fd9\u4e9b\u65b0\u5174\u4f01\u4e1a\u6765\u8bf4\uff0c\u524d\u8fdb\u7684\u9053\u8def\u4e0a\u5e76\u975e\u6ca1\u6709\u969c\u788d\u3002\u8981\u8d62\u5f97\u5ba2\u6237\u7684\u4fe1\u4efb\u5e76\u975e\u6613\u4e8b\uff0c\u5c24\u5176\u662f\u4e0e\u7ecf\u9a8c\u4e30\u5bcc\u7684\u4f20\u7edf\u7ade\u4e89\u5bf9\u624b\u76f8\u6bd4\u3002\u9999\u6e2f\u7b49\u57ce\u5e02\u7684\u94f6\u884c\u4e1a\u4f53\u73b0\u4e86\u4e00\u79cd\u72ec\u7279\u7684\u878d\u5408\uff1b\u5ba2\u6237\u5f80\u5f80\u5c06\u4ed6\u4eec\u7684\u91d1\u878d\u4e1a\u52a1\u5206\u5e03\u5728\u4e24\u4e2a\u9886\u57df\u3002\u4ed6\u4eec\u65e2\u4fe1\u4efb\u4f20\u7edf\u94f6\u884c\u7684\u5de8\u989d\u50a8\u84c4\u548c\u53ef\u89c2\u7684\u8d26\u6237\u4f59\u989d\uff0c\u540c\u65f6\u4e5f\u5728\u6d4f\u89c8\u865a\u62df\u94f6\u884c\u63d0\u4f9b\u7684\u4e00\u7cfb\u5217\u4ee4\u4eba\u8033\u76ee\u4e00\u65b0\u7684\u670d\u52a1\u3002.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-the-n26-dilemma-a-cautionary-tale-in-banking-oversight\">N26 \u56f0\u5883\uff1a\u94f6\u884c\u76d1\u7ba1\u7684\u8b66\u793a\u6545\u4e8b<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">\u6700\u8fd1\uff0c\u5fb7\u56fd\u65b0\u94f6\u884c N26 \u53d1\u73b0\u81ea\u5df1\u53d7\u5230\u4e86\u5173\u6ce8\uff0c\u8fd9\u53c8\u7ed9\u8fd9\u4e00\u4e8b\u4ef6\u589e\u6dfb\u4e86\u65b0\u7684\u8f6c\u6298\u70b9\u3002\u5fb7\u56fd\u91d1\u878d\u76d1\u7ba1\u673a\u6784 BaFin \u5bf9 N26 \u7f5a\u6b3e 425 \u4e07\u6b27\u5143\u3002 <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=\"2390\">\u53cd\u6d17\u94b1<\/a> \u7a0b\u5e8f\u7684\u95ee\u9898\u51f8\u663e\u51fa\u6765\u3002\u8fd9\u4e00\u60e9\u7f5a\u884c\u52a8\u867d\u7136\u662f\u5728 7 \u6708\u4efd\u6267\u884c\u7684\uff0c\u4f46\u76f4\u5230\u6700\u8fd1\u624d\u88ab\u516c\u4f17\u77e5\u6653\uff0c\u539f\u56e0\u662f\u5728 2019 \u5e74\u548c 2020 \u5e74\u671f\u95f4\u8fdf\u8fdf\u672a\u63d0\u4ea4\u7ea6 50 \u4efd\u53ef\u7591\u6d3b\u52a8\u62a5\u544a\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N26, headquartered in Berlin and established in 2013, has since responded, emphasizing the corrective measures undertaken earlier this year. The bank&#8217;s stance is clear it remains unwaveringly committed to staunchly combating global <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=\"167\">\u8d22\u52a1\u821e\u5f0a\u884c\u4e3a\uff0c\u52aa\u529b\u9632\u6b62\u94b1\u8d22\u6d41\u5931<\/a> \u6d17\u94b1\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5929\u7a7a\u65b0\u95fb\u300b\uff08Sky News\uff09\u7684\u62a5\u9053\u6697\u793a\uff0cDragoneer \u6295\u8d44\u96c6\u56e2\uff08Dragoneer Investment Group\uff09\u548c N26 \u6b63\u5728\u5546\u8ba8\u6f5c\u5728\u7684\u6295\u8d44\u4e8b\u5b9c\u3002\u5982\u679c\u6295\u8d44\u6210\u529f\uff0cN26 \u7684\u4f30\u503c\u5c06\u8fbe\u5230\u60ca\u4eba\u7684 110 \u4ebf\u7f8e\u5143\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6d17\u94b1\u7684\u9634\u5f71\u65e0\u5904\u4e0d\u5728\uff0c\u5b83\u4e0e\u90aa\u6076\u7684\u6709\u7ec4\u7ec7\u72af\u7f6a\u4e16\u754c\u6df1\u6df1\u4ea4\u7ec7\u5728\u4e00\u8d77\uff0c\u7ed9\u4eba\u4eec\u8499\u4e0a\u4e86\u4e00\u5c42\u6325\u4e4b\u4e0d\u53bb\u7684\u9634\u973e\u3002\u94f6\u884c\u65e0\u610f\u4e2d\u53d1\u73b0\u81ea\u5df1\u5377\u5165\u4e86\u8fd9\u4e00\u5168\u7403\u5a01\u80c1\u7684\u6838\u5fc3\u3002\u636e\u8054\u5408\u56fd\u4f30\u7b97\uff0c\u6bcf\u5e74\u5927\u7ea6\u6709 $2tn \u7684\u8d44\u91d1\u88ab\u975e\u6cd5\u8f6c\u79fb\uff0c\u800c\u72af\u7f6a\u5206\u5b50\u5f80\u5f80\u5229\u7528\u94f6\u884c\u4f5c\u4e3a\u63a9\u62a4\u3002\u5728\u82f1\u56fd\uff0c\u56fd\u5bb6\u53cd\u6d17\u94b1\u5c40\uff08NCA\uff09\u8ba4\u4e3a\uff0c\u82f1\u56fd\u7ecf\u6d4e\u6bcf\u5e74\u56e0\u6d17\u94b1\u800c\u906d\u53d7\u7684\u635f\u5931\u7ea6\u4e3a 240 \u4ebf\u82f1\u9551\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6700\u8fd1\u7684\u5386\u53f2\u8bc1\u660e\u4e86\u76d1\u7ba1\u673a\u6784\u5bf9\u53cd\u6d17\u94b1\uff08AML\uff09\u673a\u5236\u677e\u61c8\u7684\u94f6\u884c\u7684\u6124\u6012\u3002B2B \u4fe1\u606f\u5de8\u5934 Kyckr \u5728 2021 \u5e74\u8fdb\u884c\u7684\u4e00\u9879\u7814\u7a76\u63ed\u793a\u4e86\u4e00\u4e2a\u4ee4\u4eba\u62c5\u5fe7\u7684\u8d8b\u52bf\uff1a2020 \u5e74\uff0c28 \u5bb6\u5168\u7403\u91d1\u878d\u5b9e\u4f53\u9996\u5f53\u5176\u51b2\u5730\u53d7\u5230\u4e86\u4e0e\u53cd\u6d17\u94b1\u76f8\u5173\u7684\u5904\u7f5a\uff0c\u91d1\u989d\u63a5\u8fd1 26 \u4ebf\u82f1\u9551\u3002\u540c\u5e74 3 \u6708\u53e6\u4e00\u4e2a\u503c\u5f97\u6ce8\u610f\u7684\u4f8b\u5b50\u662f\uff0c\u745e\u5178\u548c\u7231\u6c99\u5c3c\u4e9a\u7684\u745e\u5178\u94f6\u884c\u56e0\u53cd\u6d17\u94b1\u8fdd\u89c4\u884c\u4e3a\u88ab\u5904\u7f5a 3.47 \u4ebf\u6b27\u5143\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-financial-crimes-eroding-the-profitability-of-fintechs-and-neobanks\"><strong>\u91d1\u878d\u72af\u7f6a\uff1a\u524a\u5f31\u91d1\u878d\u79d1\u6280\u516c\u53f8\u548c\u65b0\u94f6\u884c\u7684\u76c8\u5229\u80fd\u529b<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u91d1\u878d\u72af\u7f6a\u5bf9\u91d1\u878d\u79d1\u6280\u516c\u53f8\u548c\u65b0\u94f6\u884c\u7684\u5f71\u54cd\u662f\u5de8\u5927\u7684\uff0c\u6781\u5927\u5730\u5f71\u54cd\u4e86\u8fd9\u4e9b\u4f01\u4e1a\u53ca\u5176\u5ba2\u6237\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u8d27\u5e01\u540e\u679c\uff1a<\/strong> \u91d1\u878d\u79d1\u6280\u516c\u53f8\u548c\u65b0\u94f6\u884c\u56e0\u91d1\u878d\u72af\u7f6a\u800c\u9762\u4e34\u7684\u9996\u8981\u6311\u6218\u662f\u76f4\u63a5\u7684\u8d22\u52a1\u8d1f\u62c5\u3002\u8fd9\u5305\u62ec\u6b3a\u8bc8\u6d3b\u52a8\u3001\u9000\u6b3e\u3001\u60e9\u7f5a\u63aa\u65bd\u548c\u6cd5\u5f8b\u8d39\u7528\u9020\u6210\u7684\u635f\u5931\u3002\u5047\u8bbe\u91d1\u878d\u79d1\u6280\u516c\u53f8\u906d\u9047\u6570\u5b57\u5b89\u5168\u6f0f\u6d1e\uff0c\u968f\u540e\u7684\u6210\u672c\u53ef\u80fd\u5305\u62ec\u7cfb\u7edf\u6062\u590d\u3001\u8d54\u507f\u5ba2\u6237\u88ab\u632a\u7528\u7684\u8d44\u91d1\u4ee5\u53ca\u652f\u4ed8\u7f5a\u6b3e\u3002\u6b64\u5916\uff0c\u6d17\u94b1\u6216\u8d44\u52a9\u6050\u6016\u4e3b\u4e49\u7b49\u95ee\u9898\u4e5f\u4f1a\u635f\u5bb3\u58f0\u8a89\uff0c\u5bfc\u81f4\u5ba2\u6237\u51cf\u5c11\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u58f0\u8a89\u53d7\u635f\uff1a<\/strong> \u91d1\u878d\u72af\u7f6a\u7684\u6c61\u70b9\u4f1a\u4e25\u91cd\u635f\u5bb3\u91d1\u878d\u79d1\u6280\u516c\u53f8\u6216\u65b0\u94f6\u884c\u7684\u516c\u4f17\u5f62\u8c61\u3002\u4e0d\u826f\u4e8b\u4ef6\u4f1a\u7834\u574f\u516c\u53f8\u7684\u54c1\u724c\u8bda\u4fe1\uff0c\u524a\u5f31\u5ba2\u6237\u7684\u4fe1\u4efb\uff0c\u5e76\u5438\u5f15\u6709\u5bb3\u7684\u5a92\u4f53\u5173\u6ce8\u3002\u4e3e\u4f8b\u6765\u8bf4\uff0c\u4e00\u5bb6\u91d1\u878d\u79d1\u6280\u516c\u53f8\u88ab\u53d1\u73b0\u4e0d\u9075\u5b88\u53cd\u6d17\u94b1\u6807\u51c6\uff0c\u53ef\u80fd\u4f1a\u9762\u4e34\u76d1\u7ba1\u90e8\u95e8\u7684\u53cd\u5f39\uff0c\u52a0\u5267\u58f0\u8a89\u53d7\u635f\u3002\u4fe1\u4efb\u548c\u58f0\u8a89\u5bf9\u91d1\u878d\u79d1\u6280\u516c\u53f8\u548c\u65b0\u94f6\u884c\u5c24\u4e3a\u91cd\u8981\uff1b\u5b83\u4eec\u7684\u6574\u4e2a\u6a21\u5f0f\u90fd\u4f9d\u8d56\u8fd9\u4e9b\u652f\u67f1\u6765\u5438\u5f15\u65b0\u5ba2\u6237\u548c\u7559\u4f4f\u73b0\u6709\u5ba2\u6237\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u76d1\u7ba1\u548c\u6cd5\u5f8b\u6311\u6218\uff1a<\/strong> \u9519\u7efc\u590d\u6742\u7684\u76d1\u7ba1\u548c\u6cd5\u5f8b\u95ee\u9898\u4f7f\u5377\u5165\u91d1\u878d\u6e0e\u804c\u884c\u4e3a\u7684\u5b9e\u4f53\u9762\u4e34\u7684\u95ee\u9898\u66f4\u52a0\u590d\u6742\u3002\u8fd9\u4e9b\u5931\u804c\u884c\u4e3a\u53ef\u80fd\u5bfc\u81f4\u8fdd\u53cd\u65e2\u5b9a\u6cd5\u89c4\uff0c\u62db\u81f4\u5904\u7f5a\u3001\u7f5a\u6b3e\u751a\u81f3\u66f4\u4e25\u5389\u7684\u6267\u6cd5\u884c\u52a8\u3002\u8fdd\u89c4\u884c\u4e3a\u53ef\u80fd\u5305\u62ec\u4e0d\u9075\u5b88\u4ee5\u4e0b\u89c4\u5b9a <a href=\"https:\/\/www.investglass.com\/zh\/%e9%93%b6%e8%a1%8c%e4%b8%9a%e5%8a%a1-2\/\">\u53cd\u6d17\u94b1\uff08AML\uff09 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class=\"wp-block-paragraph\">\u5c3d\u7ba1\u53ef\u4ee5\u8282\u7701\u6210\u672c\u5e76\u5177\u6709\u6570\u5b57\u5316\u4f18\u52bf\uff0c\u4f46\u91d1\u878d\u4e1a\u53d1\u73b0\uff0c\u5927\u591a\u6570\u65b0\u94f6\u884c\u90fd\u96be\u4ee5\u5b9e\u73b0\u6536\u5165\u6765\u6e90\u7684\u591a\u6837\u5316\u3002\u7b2c\u4e00\u5bb6\u6570\u5b57\u94f6\u884c\u53ef\u80fd\u4f1a\u63d0\u4f9b\u66f4\u4f4e\u7684\u8d39\u7528\uff0c\u5e76\u627f\u8bfa\u8fdb\u884c\u4e00\u573a\u5d4c\u5165\u5f0f\u91d1\u878d\u9769\u547d\uff0c\u4f46\u5f53\u83b7\u53d6\u6210\u672c\u4e0a\u5347\u65f6\uff0c\u76c8\u5229\u4e4b\u8def\u5e76\u4e0d\u5e73\u5766\u3002\u6311\u6218\u4e0d\u4ec5\u5728\u4e8e\u83b7\u53d6\u65b0\u5ba2\u6237\uff0c\u8fd8\u5728\u4e8e\u7559\u4f4f\u5ba2\u6237\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8001\u724c\u94f6\u884c\u5229\u7528\u73b0\u6709\u5ba2\u6237\u7fa4\u548c\u4fe1\u6258\u94f6\u884c\u7684\u58f0\u8a89\uff0c\u5f00\u59cb\u63d0\u4f9b\u6570\u5b57\u94f6\u884c\u670d\u52a1\u3002\u8fd9\u6837\u4e00\u6765\uff0c\u5b83\u4eec\u5c31\u4f1a\u4e0e\u540e\u8d77\u4e4b\u79c0\u5c55\u5f00\u6fc0\u70c8\u7ade\u4e89\u3002\u8fd9\u4e9b\u8001\u724c\u94f6\u884c\u4e5f\u5728\u5411\u65b0\u5e02\u573a\u548c\u65b0\u4e1a\u52a1\u591a\u5143\u5316\u53d1\u5c55\u3002 <a href=\"https:\/\/www.investglass.com\/zh\/%e6%9c%80%e4%bd%b3-ai-%e7%94%b5%e5%ad%90%e9%82%ae%e4%bb%b6%e7%94%9f%e6%88%90%e5%99%a8-%e8%8a%82%e7%9c%81%e6%97%b6%e9%97%b4%ef%bc%8c%e6%8f%90%e9%ab%98%e7%94%9f%e4%ba%a7%e5%8a%9b\/\" target=\"_blank\" rel=\"noopener\" data-wpil-monitor-id=\"2104\">\u52a0\u5f3a\u5176\u4ea7\u54c1<\/a> \u548c\u670d\u52a1\u8303\u56f4\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-sme-and-corporate-digital-banking-the-profitable-paradigm-shift\"><strong>\u4e2d\u5c0f\u4f01\u4e1a\u548c\u4f01\u4e1a\u6570\u5b57\u94f6\u884c\uff1a\u76c8\u5229\u6a21\u5f0f\u7684\u8f6c\u53d8<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e2d\u5c0f\u578b\u4f01\u4e1a\uff08SMB\uff09\u94f6\u884c\u4e1a\u52a1\u6b63\u5728\u8fc5\u901f\u5d1b\u8d77\uff0c\u6210\u4e3a\u6570\u5b57\u94f6\u884c\u9886\u57df\u7684\u76c8\u5229\u6c83\u571f\u3002\u4e2a\u4eba\u96f6\u552e\u5ba2\u6237\u901a\u5e38\u5bfb\u6c42\u4f4e\u6210\u672c\u7684\u94f6\u884c\u670d\u52a1\uff0c\u800c\u4e2d\u5c0f\u4f01\u4e1a\u5219\u66f4\u613f\u610f\u4e3a\u6ee1\u8db3\u5176\u72ec\u7279\u9700\u6c42\u7684\u4e13\u4e1a\u5316\u94f6\u884c\u670d\u52a1\u652f\u4ed8\u8d39\u7528\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u4e00\u5ba2\u6237\u7fa4\u4f53\u5f80\u5f80\u88ab\u4f20\u7edf\u91d1\u878d\u673a\u6784\u6240\u5ffd\u89c6\uff0c\u4f46\u5176\u7279\u6027\u5374\u80fd\u6781\u5927\u5730\u5f71\u54cd\u865a\u62df\u94f6\u884c\u7684\u5e95\u7ebf\u3002\u9996\u5148\uff0c\u4e0e\u96f6\u552e\u5ba2\u6237\u76f8\u6bd4\uff0c\u4e2d\u5c0f\u4f01\u4e1a\u7684\u73b0\u91d1\u6d41\u548c\u5b58\u6b3e\u91cf\u901a\u5e38\u66f4\u9ad8\u3002\u8fd9\u610f\u5473\u7740\u4ed6\u4eec\u7684\u94b1\u5305\u66f4\u5927\uff0c\u9002\u5408\u65b0\u94f6\u884c\u5229\u7528\u3002\u6b64\u5916\uff0c\u8fd9\u4e9b\u4f01\u4e1a\u7ecf\u5e38\u5bfb\u6c42\u8425\u8fd0\u8d44\u91d1\u548c\u5e94\u6536\u8d26\u6b3e\u878d\u8d44\u7b49\u5229\u6da6\u7387\u66f4\u9ad8\u7684\u4ea7\u54c1\uff0c\u4ece\u800c\u8fdb\u4e00\u6b65\u63d0\u9ad8\u4e86\u65b0\u94f6\u884c\u7684\u6f5c\u5728\u6536\u5165\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u65b0\u94f6\u884c\u5728\u4e2d\u5c0f\u578b\u4f01\u4e1a\u9886\u57df\u7684\u53d1\u5c55\u5f80\u5f80\u59cb\u4e8e\u83b7\u5f97\u94f6\u884c\u6267\u7167\u3002\u5728\u83b7\u5f97\u76d1\u7ba1\u8bb8\u53ef\u540e\uff0c\u5b83\u4eec\u5f00\u59cb\u901a\u8fc7\u57fa\u672c\u7684\u5546\u4e1a\u4ea4\u6613\u8d26\u6237\u63d0\u4f9b\u670d\u52a1\u3002\u968f\u7740\u65f6\u95f4\u7684\u63a8\u79fb\uff0c\u5728\u6570\u636e\u6d1e\u5bdf\u529b\u7684\u652f\u6301\u4e0b\uff0c\u5b83\u4eec\u6269\u5c55\u5230\u4e00\u7cfb\u5217\u4e3a\u4e2d\u5c0f\u4f01\u4e1a\u91cf\u8eab\u5b9a\u5236\u7684\u4ea7\u54c1\u548c\u670d\u52a1\u3002\u8fd9\u4e9b\u4ea7\u54c1\u548c\u670d\u52a1\u5305\u62ec\u50a8\u84c4\u8d26\u6237\u548c\u53d1\u7968\u878d\u8d44\uff0c\u4ee5\u53ca\u4e0e\u4f1a\u8ba1\u5408\u4f5c\u4f19\u4f34\u7684\u65e0\u7f1d\u96c6\u6210\u548c\u91cf\u8eab\u5b9a\u5236\u7684\u8d37\u6b3e\u89e3\u51b3\u65b9\u6848\u3002\u8fd9\u79cd\u591a\u6837\u5316\u4e0d\u4ec5\u6709\u52a9\u4e8e\u7559\u4f4f\u5ba2\u6237\uff0c\u8fd8\u80fd\u4e0e\u73b0\u6709\u5ba2\u6237\u5efa\u7acb\u66f4\u6df1\u5c42\u6b21\u7684\u8054\u7cfb\uff0c\u4fc3\u8fdb\u957f\u671f\u5408\u4f5c\u5173\u7cfb\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u52aa\u73ed\u514b\u63a8\u51fa NuTap \u7684\u521b\u65b0\u505a\u6cd5\u5c31\u662f\u4e00\u4e2a\u5f88\u597d\u7684\u4f8b\u5b50\u3002NuTap \u662f\u4e00\u6b3e\u6570\u5b57\u9500\u552e\u7ec8\u7aef\uff0c\u5b83\u4f7f\u5356\u5bb6\u80fd\u591f\u5c06\u81ea\u5df1\u7684\u667a\u80fd\u624b\u673a\u8f6c\u5316\u4e3a\u652f\u4ed8\u53d7\u7406\u8bbe\u5907\u3002\u9664\u4e86\u5355\u7eaf\u7684\u94f6\u884c\u5361\u652f\u4ed8\u5916\uff0c\u5b83\u8fd8\u96c6\u6210\u4e86 \u2018\u5373\u4e70\u5373\u4ed8 \u2019\u529f\u80fd\uff0c\u5c06\u4fbf\u5229\u6027\u4e0e\u91d1\u878d\u5305\u5bb9\u6027\u878d\u4e3a\u4e00\u4f53\u3002\u8fd9\u662f\u4e00\u4e2a\u5f88\u597d\u7684\u4f8b\u5b50\uff0c\u8bf4\u660e\u65b0\u94f6\u884c\u6b63\u5728\u91cd\u65b0\u8c03\u6574\u6218\u7565\uff0c\u4e0d\u4ec5\u4e3a\u4e2a\u4eba\u5ba2\u6237\u670d\u52a1\uff0c\u800c\u4e14\u8fd8\u4e3a\u4ee5\u4e0b\u5ba2\u6237\u670d\u52a1 <a href=\"https:\/\/www.investglass.com\/zh\/%e5%b0%8f%e9%a2%9d%e8%b4%b7%e6%ac%be%e7%9a%84%e7%8e%b0%e7%8a%b6%e5%92%8c%e6%9c%aa%e6%9d%a5%e8%b5%b0%e5%90%91\/\">\u4e2d\u5c0f\u578b\u4f01\u4e1a<\/a> \u548c\u5176\u4ed6\u4e1a\u52a1\uff0c\u786e\u4fdd\u94f6\u884c\u4e1a\u52a1\u7684\u5168\u9762\u6027\u548c\u6574\u4f53\u6027\u3002.<\/p>\n\n\n\n<p 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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=\"2325\">\u94f6\u884c\u548c Starling \u94f6\u884c\u5f3a\u8c03\u4e86\u53d8\u9769\u6027\u7684<\/a> \u65b9\u6cd5\u3002\u4ed6\u4eec\u5c06\u4f20\u7edf\u94f6\u884c\u4e1a\u6240\u4ee3\u8868\u7684\u60a0\u4e45\u4fe1\u4efb\u4e0e\u73b0\u4ee3\u94f6\u884c\u4e1a\u6240\u7279\u6709\u7684\u6d3b\u529b\u548c\u521b\u65b0\u5b8c\u7f8e\u5730\u7ed3\u5408\u5728\u4e00\u8d77\u3002 <a href=\"https:\/\/www.investglass.com\/zh\/%e4%ba%ba%e5%b7%a5%e6%99%ba%e8%83%bd%e4%b8%ba%e9%93%b6%e8%a1%8c%e7%bd%91%e7%bb%9c%e5%ae%89%e5%85%a8%e5%b8%a6%e6%9d%a5%e9%9d%a9%e5%91%bd%e6%80%a7%e5%8f%98%e5%8c%96-%e4%b8%80%e4%b8%aa%e5%85%a8%e6%96%b0\/\" target=\"_blank\" rel=\"noopener\" data-wpil-monitor-id=\"2291\">\u6570\u5b57<\/a> 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InvestGlass\u3001\u4eba\u5de5\u667a\u80fd\u548c\u81ea\u52a8\u5316\u529f\u80fd\u53ef\u4ee5\u5f7b\u5e95\u6539\u53d8\u65b0\u94f6\u884c\u4e0e\u5ba2\u6237\u4e92\u52a8\u548c\u4e3a\u5ba2\u6237\u670d\u52a1\u7684\u65b9\u5f0f\u3002\u7ed3\u5408\u4eba\u5de5\u667a\u80fd\u9a71\u52a8\u7684\u804a\u5929\u6a21\u578b\uff08\u5982 ChatGPT\uff09\u53ef\u4ee5\u8fdb\u4e00\u6b65\u589e\u5f3a\u8fd9\u79cd\u4f53\u9a8c\uff0c\u63d0\u4f9b\u5b9e\u65f6\u3001\u4e2a\u6027\u5316\u7684\u4e92\u52a8\uff0c\u4ece\u800c\u52a0\u6df1\u4fe1\u4efb\u5e76\u63d0\u5347\u4ef7\u503c\u4e3b\u5f20\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7efc\u4e0a\u6240\u8ff0\uff0c\u65b0\u94f6\u884c\u7684\u5d1b\u8d77\u65e0\u7591\u91cd\u5851\u4e86\u91d1\u878d\u4e1a\u7684\u683c\u5c40\u3002\u7136\u800c\uff0c\u8981\u5b9e\u73b0\u53ef\u6301\u7eed\u76c8\u5229\uff0c\u5c31\u5fc5\u987b\u5728\u6210\u672c\u7ba1\u7406\u3001\u4fe1\u4efb\u57f9\u517b\u548c\u63a8\u51fa\u5f15\u4eba\u6ce8\u76ee\u7684\u4ea7\u54c1\u7b49\u65b9\u9762\u7cbe\u96d5\u7ec6\u7422\u3002\u968f\u7740\u4f20\u7edf\u94f6\u884c\u548c\u6570\u5b57\u94f6\u884c\u4e4b\u95f4\u7684\u9e3f\u6c9f\u9010\u6e10\u7f29\u5c0f\uff0c\u91d1\u878d\u754c\u70ed\u5207\u671f\u5f85\u7740\u66f4\u591a\u94f6\u884c\u4e0d\u4ec5\u5b9e\u73b0\u76c8\u5229\uff0c\u800c\u4e14\u4e0e\u5ba2\u6237\u4e0d\u65ad\u53d8\u5316\u7684\u504f\u597d\u4ea7\u751f\u5171\u9e23\u7684\u6545\u4e8b\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>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 [&hellip;]<\/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":"<!-- 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>Why 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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