Ključni dejavniki pojavnosti neobank
DOI:
https://doi.org/10.32015/JIBM.2023.15.1.1Ključne besede:
neobanke, fintech, bančništvo, dejavniki nastankaPovzetek
Neobanke, izključno digitalne fintech banke, hitro postajajo pomembni igralci na finančnih trgih. Razvile so se sunkovito in se še naprej hitro razvijajo, medtem ko je malo znanega o dejavnikih njihove pojavnosti in uspešnosti. Namen te raziskave je najti ključne dejavnike, ki determinirajo pojavnost neobank v izbranih 43 državah. Z modelom naključnih učinkov analiziramo 13 finančnih, gospodarskih in kulturno-geografskih dejavnikov. Ugotavljamo, da so število bankomatov, S&P500 in podeželsko prebivalstvo pomembni dejavniki pri pojavu neobank v izbranih državah. Naša študija predstavlja prvi vpogled v dejavnike povpraševanja po neobankah in s tem prvi korak k razumevanju povpraševanja po tem novem bančnem poslovnem modelu.
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