20.500.12556/DKUM-93038 Neobanks’ footprint on the transformative path of the Austrian and the Slovenian banking Market Odtis neobank na poti transformacije avstrijskega in slovenskega bančnega trga The digital transformation in banking, which is supported by the European regulatory framework, has enabled new business models for banking. One example of these changes is the emergence of neobanks. We examine the presence of neobanks in two national markets, Austria and Slovenia. Despite the geographical proximity and rich history of banking integration between the two markets, our findings reveal significant differences in this perspective between the two markets. In the analytical part, we use available indirect and descriptive data. We have identified two historical periods. In the first, domestic neobanks appeared. Unlike in Austria, where there is a rich history of domestic neobanks, there were none in Slovenia. In the second identified period, the most propulsive European neobanks are similarly active in both markets, which increases competition in the banking markets. In the future, the neobanks could contribute to the increase in the mobility of deposits outside the national banking markets. Digitalna preobrazba v bančništvu, ki jo podpira evropski regulativni okvir, je omogočila nove poslovne modele za bančništvo. Primer takih sprememb je pojav neobank. Preučujemo prisotnost neobank na dveh nacionalnih trgih, v Avstriji in Sloveniji. Kljub geografski bližini in bogati zgodovini bančne integracije med obema trgoma naše ugotovitve razkrivajo pomembne razlike med obema trgoma v tej perspektivi. V analitičnem delu uporabljamo razpoložljive posredne ter opisne podatke. Identificirali smo dve zgodovinski obdobji. V prvem so se pojavile domače neobanke. Drugače kot v Avstriji, kjer obstaja bogata zgodovina domačih neobank, jih v Sloveniji ni bilo. V drugem prepoznanem obdobju so na obeh trgih podobno aktivne najbolj propulzivne evropske neobanke, kar povečuje konkurenco na bančnih trgih. V prihodnosti bi lahko neobanke prispevale k povečanju mobilnosti vlog v čezmejni prostor, zunaj nacionalnih bančnih trgov. neobanks digital-only banks cross-border banking digital transformation neobanke digitalne banke čezmejno bančništvo digitalna transformacija true false true Angleški jezik Slovenski jezik Znanstveno delo 2025-06-02 12:47:06 2025-06-02 12:47:06 2026-03-12 15:15:43 0000-00-00 00:00:00 2025 0 0 str. 63-73 no. 1 Vol. 71 jan. 2025 0000-00-00 Zaloznikova Objavljeno NiDoloceno 0000-00-00 0000-00-00 2025-04-03 336.71:004(436)(497.4) 233499651 10.2478/ngoe-2025-0006 0547-3101 https://journals.um.si/index.php/oe/article/view/5056 1 ee7c3c00-3f9e-11f0-924c-00155d000105 https://dk.um.si/Dokument.php?lang=slv&id=191619 RAZ_Cech_Christian_2025.pdf RAZ_Cech_Christian_2025.pdf 1 5EB221F5876D326034F933BD3AF5F744 1c46e970ea048522732a4219ad2eece2e733f7a4a695e9a5ca0e53d660a3574d 1a63f7ad-3f9f-11f0-924c-00155d000105 https://dk.um.si/Dokument.php?lang=slv&id=191621 Ekonomsko-poslovna fakulteta Naše gospodarstvo Naše gospodarstvo 0 0 0