新銀行的美國市場的評估:帳號各類型，各用途，各類服務，各地區，機會，預測(2017年～2031年)

美國新銀行市場規模預計將從 2023 年的 240.9 億美元增至 2031 年的 2194.9 億美元，預計 2024-2031 年的複合年增長率為 31.81%。多種因素使得純數位銀行的概念更具吸引力和可行性，推動了美國新銀行市場的成長。費用和營運成本的降低使銀行服務對更多人來說更實惠和有吸引力。

新銀行業務的本質是提供流暢的數位介面，讓您無論身在何處都可以輕鬆存取財務，提供輕鬆和便利。透過在開戶時使用先進的技術，我們很快就吸引了尋求快速、省時的銀行服務的客戶。該服務正在透過數位化和金融包容性創造更廣泛的市場機會，同時由於先進技術的熟悉度和對客製化銀行體驗的偏好而造成需求的轉變。支持性的監管框架、嚴格的合規標準和新技術的快速取得使新銀行能夠安全有效地履行其職能。智慧型手機和網路的普及為世界各地的每個人帶來了新銀行服務，為該行業的持續成長奠定了明確的基礎。

新銀行是指沒有實體分行、僅在網路上運作的銀行。這些數位優先銀行透過行動應用程式和網站提供支票和儲蓄帳戶等傳統金融服務，通常收取最低費用或免費。透過利用數位技術，新型銀行提供快速開戶、即時交易和無縫的用戶體驗，滿足現代數位時代對便利高效的銀行解決方案日益增長的需求。 2024 年 1 月，數位個人金融公司 SoFi 宣佈在 SoFi 產品體驗中擴展一個新的小型企業市場。這項新功能將使 SoFi 能夠將數百萬美國小型企業主的融資需求與 SoFi 的供應商網路連結起來，為他們提供服務。

透過降低成本和創新服務來支持市場成長

低廉的費用和客製化的創新服務增強了新銀行在金融服務市場的成長。它改變了競爭規則並改變了客戶對銀行的看法。也許新型銀行迅速採用的最有力原因是它們能夠以比實體銀行更低的成本提供服務。憑藉最少的實體基礎設施和對數位服務的集中關注，新銀行不必承擔維護實體網路的間接費用。這使我們能夠透過保持較低的交易費用、外匯費用和帳戶管理費用，將成本節省轉嫁給客戶。我們為尋求更平等和更具包容性的金融服務的客戶提供服務，我們的客戶群包括精通技術的千禧世代和厭倦了傳統銀行費用的小企業主。這些費用的降低提高了客戶忠誠度，並為客戶本身提供了更好的財務管理，使新銀行成為傳統銀行業務非常有吸引力的替代品。

2024 年 5 月，Alliant Credit Union 推出了 SBL Edge。 SBL Edge 是一個新的貸款平台，專注於多戶住宅、預製房屋和自助倉儲行業的小型商業房地產借款人。 SBL Edge 由在商業房地產貸款方面擁有豐富經驗的行業資深人士構思和建構。 SBL Edge 簡化營運並利用深厚的行業知識來提供無與倫比的服務。

本報告研究和分析了美國新銀行市場，提供市場規模和預測、市場動態以及主要參與者的現狀和前景。

目錄

第1章 計劃的範圍和定義

第2章 調查手法

第3章 摘要整理

第4章 客戶的迴響

• 產品與市場資訊
• 品牌認識的方式
• 購買決策時考慮的因素
• 顧客支援
• 隱私和法規的考慮

第5章 美國的新銀行市場預測(2017年～2031年)

• 市場規模的分析與預測
  • 金額
• 市場佔有率分析與預測
  • 帳號各類型
  • 各用途
  • 各類服務
  • 各地區
  • 市場佔有率分析:各企業(金額)(前五名公司和其他 - 2023年)
• 市場地圖分析(2023年)
  • 帳號各類型
  • 各用途
  • 各類服務
  • 各地區

第6章 供需分析

第7章 價值鏈分析

第8章 波特的五力分析

第9章 大環境分析

第10章 利率分析

第11章 市場動態

• 推動市場要素
• 市場課題

第12章 市場趨勢與發展

第13章 案例研究

第14章 競爭情形

• 市場領導者前五名公司的競爭矩陣
• 前五名公司的SWOT分析
• 主要企業前十大企業的形勢
  • Chime Financial Inc.
  • Acorns Grow Incorporated
  • Revolut Group Holdings Limited
  • Alliant Credit Union Corporation
  • Finco Services Inc. (Current)
  • Primis Financial Corporation
  • M1 Finance LLC
  • SoFi Technologies Inc.
  • Zeta Services Inc.
  • Axos Financial Inc.

第15章 策略性推薦

第16章 本公司相關資料，免責聲明

United States neobanking market is projected to witness a CAGR of 31.81% during the forecast period 2024-2031, growing from USD 24.09 billion in 2023 to USD 219.49 billion in 2031. Several factors are contributing towards making the concept of a digital-only bank more attractive and workable, hence driving the growth of the United States neobanking market, including reductions in fees and operational costs, making banking services more affordable and attractive to a wider audience.

The essence of neobanking is to provide smooth digital interfaces to provide access to their finances without hustling anywhere, providing ease of accessibility and convenience. The usage of high technology while opening an account speedily attracts customers in search of quick and less time-consuming banking services. The offering generates wider market opportunities due to digitalization and financial inclusion, while demanding shifts due to preferences for tech-savviness and customized banking experiences. With a supportive regulatory framework, strict standards of compliance, and the rapid acquisition of new technologies, neobanks can execute their functions securely and efficiently. Increased access to smartphones and the internet has laid a concrete foundation for neobanking services to reach everybody worldwide and continue growing in this field.

Neobanking refers to banks that operate exclusively online, without any physical branches. These digital-first banks offer traditional financial services, such as current and savings accounts, through mobile apps and websites, often with minimal or no fees. By leveraging digital technology, neobanks provide quick account openings, real-time transactions, and a seamless user experience, addressing the increasing demand for convenient and efficient banking solutions in the modern digital age. In January 2024, SoFi, the digital personal finance company, announced the expansion of a new small business marketplace inside the SoFi product experience. This new feature will allow SoFi to serve millions of American small business owners by connecting their financing needs to SoFi's network of providers.

Reduced Costs and Innovative Services to Boost Market Growth

Lower fees and customized and innovative services have powered the growth of neobanks in the financial services market. It has transformed the rules of competition and changed customer perceptions of banking. Probably the most powerful rationale for rapid neobank adoption is the ability to provide services cheaper than brick-and-mortar banks. With minimal physical infrastructure and concentrated digital services, neobanks are not burdened with the overhead of maintaining a physical branch network. This eventually saves the model for passing on savings to customers by offering low transaction fees, foreign exchanges, or account management fees. Serving customers seeking a more equal and open-minded route to financial services, its clientele went from tech-savvy millennials to small business owners tired of the traditional bank charges. Such a reduction of fees creates customer loyalty and better finance management for the customers themselves, thus making neobanks quite attractive as an alternative to conventional banking.

In May 2024, Alliant Credit Union introduced SBL Edge, its new lending platform that focuses on small balance commercial real estate borrowers in the multifamily, manufactured housing, and self-storage industries. SBL Edge was conceived and built by industry veterans with immense experience in commercial real estate lending. SBL Edge executes operational efficiencies and unleashes deep industry knowledge to deliver unparalleled service.

Integration of Advanced Technologies to Boost the Market Growth

Advanced technological integration shapes the course of the United States neobanking market, which is expanding at a rapid rate since it can support improved operational efficiency and higher customer satisfaction. Indeed, neobanks are driving the shift by leveraging advanced technologies such as AI, machine learning, and blockchain to reshape traditional banking models. Thus, AI and machine learning help neobanks to provide really customized financial services, from tailored investment recommendations to fraud detection in real-time, aside from automating routine jobs and reducing human errors. It makes the entire banking experience more efficient, secure, and user-friendly. In February 2024, Revolut launched an advanced scam detection feature to protect customers against card scams. Revolut's brand-new AI-scam feature can help spot if a customer is being scammed, and hence break the spell of the scammer before they send their money to the criminal. Since testing was initiated, fraud losses from card scams at Revolut have fallen 30%, where money has been sent to take advantages of investment opportunities.

Furthermore, blockchain makes transactions more transparent and secure, further cutting costs due to intermediaries and, at the same time, increasing user trust. The nature of the technological changes is to smoothen banking operations and introduce new, innovative services that will meet the changing needs and preferences of customers. And as these technologies get further refined, they are likely to further distinguish neobanks from traditional financial institutions, bringing a diverse and technology-savvy customer base on board, and ensuring significant market growth in the digital age.

Savings Account to Dominate the United States Neobanking Market

Savings accounts are predominant in the United States neobanking market. This can be identified as a reason for dominance from neobanks that can place their initial focus on personal users or consumers rather than businesses. The cost-effective and user-friendly features usually attract personal users. Neobanks usually encourage personal consumers with features related to high-yield savings, low fees, and hassle-free digital experience. These low fees and hassle-free features are increasingly driving the consumer's need for cost-effective and user-friendly banking solutions. Savings accounts are in high demand among neobank users due to the attractive interest rates, tiny maintenance fees, and ease of management with mobile applications. The features improve a host of common consumer pain points regarding traditional banking that charges exorbitant fees and provides limited access to digital tools. In 2023, GoHenry and Pixpay have now partnered with the United States savings and investing app, Acorns, to bring financial wellness to families worldwide. With nearly 6 million customers worldwide, this new union brings amazing innovation for our customers, enabling us to collaborate and move forward in innovating for the next generation toward a brighter future.

While neobanks have increasingly added business accounts to their services, the latter naturally tends to be relatively smaller in comparison. Business accounts would relate to invoicing tools, expense management features, or business loans, which demand a different set of requirements and compliance standards altogether. But while neobanks are making strong headways toward catering to such needs in businesses, the market for personal savings accounts remains a more developed and widely adopted segment.

West Region to Dominate the United States Neobanking Market Share

Various key factors drive the leading position of the Western United States. West has major technology hubs, such as Silicon Valley, that drive innovation and early adoption of digital financial solutions, accelerating the adoption of neobanking services. Coupled with its advanced and enforced digital infrastructure, which guarantees seamless access to online banking, the region has become a haven for neobanks. Furthermore, the West places great emphasis on fintech, supported by enormous venture and technology company investments. The combination of such factors puts the West in a competitive position for the growth of neobanking market, setting the trends and benchmarks for the remainder of the country, while fastening an already leading position in the market. In August 2024, Axos Bank is a nationwide subsidiary of Axos Financial Inc. and has earned several class-leading spots in various USA TODAY Blueprint, Best Of lists, including the top spots for Best Checking Account, Best Business Bank Account, and Best Personal Loan.

Northeast region is turning out to be the main force in the United States neobanking market as the region is among the major financial centers, with innovations and venture capital investments in digital financial services flowing from cities such as New York. The Northeast indeed has a very high population density in the urban centers, hence offering a great market potential for neobanking solutions.

Future Market Scenario (2024 - 2031F)

As digital transformation reshapes the landscape for financial services, the neo-banking pace is expected to increase. Neobanks will extend their effort in fostering financial inclusion by continuing extensive services to the low-income and underbanked segments.

Advanced analytics intends neo-banks to offer bespoke financial products and proactive financial management tools, meeting customer needs in the forecast period.

Key Players Landscape and Outlook

Key players invest heavily in research and development to widen their portfolio of products and offerings in the growth of the neo-banking market. Since companies focus on research and development activities, they are therefore able to provide innovative new features that continue shaping the changing needs of consumers and manage the competitive advantage of companies.

Market players focus on strategic plans for expansion across various regions. These include new product development, partnering through contractual agreements, and merger and acquisition deals to expand their portfolio with new technologies and market opportunities. Further, additional investment in technology and infrastructure added to the points of scalability of operation improvement and better service delivery. Strategic partnerships between organizations and other fintech startups contribute to the innovation of ideas and expansion of services available. Put together, these activities underline a dynamic and fast-changing neobanking landscape with continuous innovation and global expansion.

In June 2024, Chime's has acquired Salt Labs, which will include Jason Lee and the team at Salt Labs, along with their offerings, joining Chime as part of this acquisition. The move allows Chime to further advance its mission of empowering people to achieve financial progress by adding top-tier enterprise capabilities and industry expertise.

Table of Contents

1. Project Scope and Definitions

2. Research Methodology

3. Executive Summary

4. Voice of Customer

• 4.1. Product and Market Intelligence
• 4.2. Mode of Brand Awareness
• 4.3. Factors Considered in Purchase Decisions
  • 4.3.1. Account Type
  • 4.3.2. Service
  • 4.3.3. Account Opening Fees
  • 4.3.4. Tenure
  • 4.3.5. Interest Rate
  • 4.3.6. Security
  • 4.3.7. Discounts and Offers
• 4.4. Customer Support
• 4.5. Consideration of Privacy and Regulations

5. United States Neobanking Market Outlook, 2017-2031F

• 5.1. Market Size Analysis & Forecast
  • 5.1.1. By Value
• 5.2. Market Share Analysis & Forecast
  • 5.2.1. By Account Type
    • 5.2.1.1. Savings Account
    • 5.2.1.2. Business Account
  • 5.2.2. By Application
    • 5.2.2.1. Enterprises
    • 5.2.2.2. Personal
    • 5.2.2.3. Others
  • 5.2.3. By Service
    • 5.2.3.1. Mobile Banking
    • 5.2.3.2. Payments and Money Transfer
    • 5.2.3.3. Checking/Savings Account
    • 5.2.3.4. Loans and Insurance
    • 5.2.3.5. Investments
    • 5.2.3.6. Others
  • 5.2.4. By Region
    • 5.2.4.1. Northeast
    • 5.2.4.2. Midwest
    • 5.2.4.3. West
    • 5.2.4.4. South
  • 5.2.5. By Company Market Share Analysis (Top 5 Companies and Others - By Value, 2023)
• 5.3. Market Map Analysis, 2023
  • 5.3.1. By Account Type
  • 5.3.2. By Application
  • 5.3.3. By Service
  • 5.3.4. By Region

6. Demand Supply Analysis

7. Value Chain Analysis

8. Porter's Five Forces Analysis

9. PESTLE Analysis

10. Interest Rate Analysis

11. Market Dynamics

• 11.1. Market Drivers
• 11.2. Market Challenges

12. Market Trends and Developments

13. Case Studies

14. Competitive Landscape

• 14.1. Competition Matrix of Top 5 Market Leaders
• 14.2. SWOT Analysis for Top 5 Players
• 14.3. Key Players Landscape for Top 10 Market Players
  • 14.3.1. Chime Financial Inc.
    • 14.3.1.1. Company Details
    • 14.3.1.2. Key Management Personnel
    • 14.3.1.3. Products and Services
    • 14.3.1.4. Financials (As Reported)
    • 14.3.1.5. Key Market Focus and Geographical Presence
    • 14.3.1.6. Recent Developments/Collaborations/Partnerships/Mergers and Acquisition
  • 14.3.2. Acorns Grow Incorporated
  • 14.3.3. Revolut Group Holdings Limited
  • 14.3.4. Alliant Credit Union Corporation
  • 14.3.5. Finco Services Inc. (Current)
  • 14.3.6. Primis Financial Corporation
  • 14.3.7. M1 Finance LLC
  • 14.3.8. SoFi Technologies Inc.
  • 14.3.9. Zeta Services Inc.
  • 14.3.10. Axos Financial Inc.

Companies mentioned above DO NOT hold any order as per market share and can be changed as per information available during research work.

15. Strategic Recommendations

16. About Us and Disclaimer

List of Tables

• Table 1. Pricing Analysis of Products from Key Players
• Table 2. Competition Matrix of Top 5 Market Leaders
• Table 3. Mergers & Acquisitions/ Joint Ventures (If Applicable)
• Table 4. About Us - Regions and Countries Where We Have Executed Client Projects

List of Figures

• Figure 1. United States Neobanking Market, By Value, In USD Billion, 2017-2031F
• Figure 2. United States Neobanking Market Share (%), By Account Type, 2017-2031F
• Figure 3. United States Neobanking Market Share (%), By Application, 2017-2031F
• Figure 4. United States Neobanking Market Share (%), By Service, 2017-2031F
• Figure 5. United States Neobanking Market Share (%), By Region, 2017-2031F
• Figure 6. By Account Type Map-Market Size (USD Billion) & Growth Rate (%), 2023
• Figure 7. By Application Size Map-Market Size (USD Billion) & Growth Rate (%), 2023
• Figure 8. By Service Map-Market Size (USD Billion) & Growth Rate (%), 2023
• Figure 9. By Region Map-Market Size (USD Billion) & Growth Rate (%), 2023