Особливості розвитку необанків як складової цифрової економіки

Neobanks, as subjects of the financial market, are fintech companies that operate under their own banking license or based on the license of an existing bank. They focus exclusively on the digital environment and do not have traditional physical branches. This allows them to reduce costs and offer more favorable commission rates and interest rates to their customers. Neobanks own digital platforms based on mobile applications and web platforms. This provides an opportunity to provide innovative and convenient financial services that appeal to a young and technologically oriented audience. In addition, digital transformation encourages the creation of new formats for providing payment services. Neobanks often introduce innovative solutions such as prepaid cards, contactless payments and mobile money transfers, which make it easier for customers to carry out operational transactions. Some neobanks specialize in providing investment services that allow clients to invest in various assets through digital platforms with low fees and minimal restrictions. Neobanks can offer innovative approaches to lending, such as using alternative data to assess creditworthiness or providing instant loans via a mobile app. The use of digital technologies allows neobanks to offer customers a simplified process of registration and receiving services, which attracts new users. Digitization allows neobanks to provide services through mobile applications and web platforms, making them very convenient and accessible to customers. Customers can make transactions, check account balances, transfer funds and receive financial services from anywhere with convenience and speed.