디지털뱅킹
Online-only banks and neo-banks offering modern banking services
| Business Model | Revenue Model | Key Metrics | Key Players |
|---|---|---|---|
Neo Bank 네오뱅크 | Interchange + subscription | Monthly Active Users (MAU), Total Deposits, Interchange Revenue | Chime, Nubank, KakaoBank, Revolut, N26 |
Neo Bank 네오뱅크 | Interchange + subscription | Monthly Active Users (MAU), Total Deposits, Interchange Revenue | Chime, Nubank, KakaoBank, Revolut, N26 |
Business Banking 비즈니스 뱅킹 | Interchange + SaaS fees | Business Deposits, Card Spend Volume, Active Business Accounts | Mercury, Brex, Toss Bank, Ramp, Tide |
Business Banking 비즈니스 뱅킹 | Interchange + SaaS fees | Business Deposits, Card Spend Volume, Active Business Accounts | Mercury, Brex, Toss Bank, Ramp, Tide |
Embedded Banking 임베디드 뱅킹 | Interchange + program fees | Active Partner Platforms, Total Accounts Opened, Deposit Growth Rate | Green Dot, Cross River Bank, Synapse, Unit, Treasury Prime |
Embedded Banking 임베디드 뱅킹 | Interchange + program fees | Active Partner Platforms, Total Accounts Opened, Deposit Growth Rate | Green Dot, Cross River Bank, Synapse, Unit, Treasury Prime |
Credit Card 신용카드 | Interchange + interest | Total Card Spend, Active Cardholders, Loss Ratio | Apple Card, Goldman Sachs Marcus, Toss Card, Capital One, Chase Sapphire |
Credit Card 신용카드 | Interchange + interest | Total Card Spend, Active Cardholders, Loss Ratio | Apple Card, Goldman Sachs Marcus, Toss Card, Capital One, Chase Sapphire |
Savings Platform 저축 플랫폼 | Net interest margin | Total Deposits, Average Yield Spread, Deposit Growth Rate | Marcus by Goldman Sachs, Ally Bank, Toss Bank, CIT Bank, Synchrony |
Savings Platform 저축 플랫폼 | Net interest margin | Total Deposits, Average Yield Spread, Deposit Growth Rate | Marcus by Goldman Sachs, Ally Bank, Toss Bank, CIT Bank, Synchrony |
Multi-currency Banking 다중 통화 뱅킹 | FX spread + subscription | Active Multi-currency Users, FX Transaction Volume, Currency Corridors Supported | Revolut, Wise, N26, Monzo, Starling Bank |
Multi-currency Banking 다중 통화 뱅킹 | FX spread + subscription | Active Multi-currency Users, FX Transaction Volume, Currency Corridors Supported | Revolut, Wise, N26, Monzo, Starling Bank |