最有看点的互联网金融门户

最有看点的互联网金融门户
国际资讯基于互联网平台的金融业务

调查显示,英国人似乎并不喜欢数字银行创企

国际资讯基于互联网平台的金融业务

调查显示,英国人似乎并不喜欢数字银行创企

近来年,英国在移动端数字银行方面发展迅速,出现了包括Monzo、Atom和Starling Bank在内的多个明星品牌。这些创业企业先后融资数亿英镑,用户总量也一路攀升至数十万。而近日Virgin Money也表示,为推出自有品牌数字银行,目前集团已经累计投资约4000万英镑。

然而,数字银行产业真的像上文所述那样一路向好吗?答案可能是否定的。

近日,商业情报服务商RFI Group针对英国2000多名用户展开了一项数字银行使用意愿调查。结果显示,英国用户对数字银行的使用意愿已经从2017年上半年的78%下降到了2017年年末的54%。这样的需求与整个全球数字银行产业的发展趋势类似。有关统计显示,全球主要数字银行的需求度已经从2017年上半年的50%下降到了下半年的44%。

不过值得注意的是,2017年全球数字银行的用户比例却从58%上升到了68%。相比于创业企业的产品,消费者更倾向于使用现有银行的数字产品。

RFI集团首席执行官查尔斯格林认为,这样的调查结果说明,消费者的需求正在不断变化,他们可能更倾向于兼具传统和创新产品的销售渠道和产品模式。所以如果传统银行能够继续”以数字方式吸引消费者“,那么将会在未来获得更好的回报率。

 

 

British people are going off the idea of entrusting their finances to a digital-only startup bank, according to new data.

A survey by business intelligence provider RFI Group found a decline in appetite among UK consumers between the first half of 2017 and the second half of the year. People's willingness to bank with a digital-only startup fell from 78% at the start of 2017 to just 54% at the end of the year.

RFI surveyed over 2,000 people from the UK and said the group made up a "nationally representative sample of the banked population."

Britain has experienced in a boom in app-only, startup banks in recent years, including Monzo, Atom, and Starling Bank. These companies have raised hundreds of millions of pounds in funding and grown quickly to attract hundreds of thousands of customers. However, their client numbers are still dwarfed by traditional banks.

The decline in the UK's willingness to bank with digital startups mirrors feelings globally. RFI Group found the global appetite for digital-only main bank provider decreased from 50% to 44% between the first and second half of last year.

Despite the mood change, RFI found the proportion of consumers using digital banking globally rose from 58% to 68% across 2017. RFI Group said consumers appear to be preferring digital offerings from existing banks rather than turning to startups.

Charles Green, CEO of RFI Group, said in a statement: "The findings suggest that traditional banks which continue to ‘up their game’ in engaging consumers digitally will likely be the ones to benefit in the near future.

"Consumers are becoming more sophisticated when it comes to digital banking, their needs will continue to change and while this happens we are seeing them lean towards a model that provides channel choice which includes both the traditional and more recent offerings."

Virgin Money announced last week that it has spent almost £40 million so far developing its own digital bank.


用微信扫描可以分享至好友和朋友圈

扫描二维码或搜索微信号“iweiyangx”
关注未央网官方微信公众号,获取互联网金融领域前沿资讯。

发表评论

发表评论

您的评论提交后会进行审核,审核通过的留言会展示在下方留言区域,请耐心等待。

评论

您的个人信息不会被公开,请放心填写! 标记为的是必填项

取消

个人数据被盗,你却可能是最后一个知道的

栀航 07-05

阻止赌博成瘾,Starling Bank有新招

高旭 | FINEXTRA 06-13

英国与印度达成金融科技合作计划

Daniel Lan... 04-26

TransferWise成首个获准直接进入英国央行支付系统的金融科技创企

Nicholas M... 04-24

英国政府投资1000万英镑支持区块链项目

Marie Huil... | 36Kr 04-20

版权所有 © 清华大学五道口金融学院互联网金融实验室 | 京ICP备17044750号-1