| Naslov: | A tool for detecting neobanking users |
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| Avtorji: | ID Amon, Aleksandra (Avtor)
ID Jagrič, Timotej (Avtor) |
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| Datoteke: |  https://www.mdpi.com/2227-7072/13/2/51
 A_Tool_for_Detecting_Neobanking_Users.pdf (1,08 MB)
MD5: 99AD0D1CC6F2BF8F3BF81D93786AEB3C
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| Jezik: | Angleški jezik |
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| Vrsta gradiva: | Znanstveno delo |
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| Tipologija: | 1.01 - Izvirni znanstveni članek |
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| Organizacija: | EPF - Ekonomsko-poslovna fakulteta
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| Opis: | 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. |
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| Ključne besede: | traditional banks, neobanks, users, characteristics, demand |
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| Status publikacije: | Objavljeno |
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| Verzija publikacije: | Objavljena publikacija |
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| Poslano v recenzijo: | 24.01.2025 |
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| Datum sprejetja članka: | 04.03.2025 |
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| Datum objave: | 01.04.2025 |
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| Založnik: | MDPI AG |
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| Leto izida: | 2025 |
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| Št. strani: | str. 1-18, art. 51 |
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| Številčenje: | Vol. 13, issue 2 |
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| PID: | 20.500.12556/DKUM-92814  |
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| UDK: | 336.71 |
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| COBISS.SI-ID: | 232203267 |
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| DOI: | 10.3390/ijfs13020051 |
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| ISSN pri članku: | 2227-7072 |
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| Datum objave v DKUM: | 04.07.2025 |
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| Število ogledov: | 145 |
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| Število prenosov: | 17 |
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| Metapodatki: |    |
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| Področja: | Ostalo
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