20.500.12556/DKUM-92814 A tool for detecting neobanking users The banking sector is experiencing significant disruption due to technological advancements and evolving customer demand. This study analysed over 2000 banking and/or neobanking users across 28 countries. A multinomial logit model was applied to examine three user characteristics groups: demographics, banking habits, and neobanking habits. Several interesting effects were found. Higher-educated and single users are more likely to use neobanks, while self-employed and lower-income users are less likely. Neobank users prioritize affordability, availability, and speed, while traditional bank users prioritize stability and personal interaction. We have developed a tool to identify clients likely to leave traditional banks, fully or partially, with high reliability. Even partial outflows mean banks lose important services generating significant revenue to competitors. A crucial factor here is the single banking market, which eases switching between banks. Neobanks further reduce barriers, enhancing customer mobility. Moreover, opening an account with a neobank takes only minutes. The findings of this study provide valuable insights for banks and neobanks, allowing for a more comprehensive understanding of users’ characteristics that reflects current customer demand and enables new strategies to better address them. traditional banks neobanks users characteristics demand true false true MDPI AG Angleški jezik Angleški jezik Znanstveno delo 2025-05-15 03:09:58 2025-07-04 12:20:18 2025-08-29 12:26:27 0000-00-00 00:00:00 2025 0 0 str. 1-18, art. 51 issue 2 Vol. 13 2025 0000-00-00 Zaloznikova Objavljeno apc 2025-01-24 2025-03-04 2025-04-01 336.71 232203267 10.3390/ijfs13020051 2227-7072 https://www.mdpi.com/2227-7072/13/2/51 1 5208c994-3129-11f0-832c-00155d000105 https://dk.um.si/Dokument.php?lang=slv&id=191022 A_Tool_for_Detecting_Neobanking_Users.pdf A_Tool_for_Detecting_Neobanking_Users.pdf 1 99AD0D1CC6F2BF8F3BF81D93786AEB3C f78a985998f89df815b7e48ff2a841f6cb0262c13e3769211d228952cd4ff62f 6f4416e0-58c0-11f0-8567-00155d000105 https://dk.um.si/Dokument.php?lang=slv&id=193254 Ekonomsko-poslovna fakulteta 0 0 0