Panowicz, who is best known for leading the development of mBank in Poland, disagreed, pointing to the delight mBank and other innovative banks in Europe bring to their customers daily. He pointed out that neobanks such as Simple, Moven, and even Fidor had paltry customer uptake. Fidor, he said, has about 60,000 customers after five years, while mBank had 130,000 in three days. Panowicz also lamented that “banks” is so often used when “U.S. banks” is meant. If you saw what other banks around the world had to offer, he said, you would hate your American bank even more.
- Limited-Purpose Banks: Chancen und Risiken
- Die digitale Bank – eine Sackgasse #1
- Die digitale Bank – eine Sackgasse #2
- Digitale Banken – Durchbruch mit dem „Atom-Modell“?
- FinTech-Startups und der „Halo-Effekt“
- Personalführung, Organisation und Kommunikation: Die eigentlichen Herausforderungen der FinTech-Startups
- Will Nonbanks Kill the Banks? Ja und Nein
Ironically, many fintech startups lead a schizophrenic existence. They spend much of their time acting like banks while also distancing themselves from them. Yet they can’t exist without banks. They need to partner with them for checking accounts and insured deposits. A bank charter guarantees regulatory oversight, cybersecurity and a stable banking system — features you can’t buy in an app store.
Etwas anders sieht das bei Online Banken aus, die Bestandteil digitaler Ökosysteme, wie von Alibaba, Google, Apple, Xiaomi oder facebook sind bzw. werden. Aber das ist ein anderes Thema.