Strategic business models in the European banking industry: business model optimization for neobanks

Schwienbacher, Lukas

http://hdl.handle.net/10362/140023

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Autores

Schwienbacher, Lukas

Orientador(es)

Okhmatovskiy, Ilya

Resumo(s)

This report examines business models in the banking industry while putting an in-depth focus on the business model of Neobanks. To evaluate the increasing recognition of the business model of Neobanks, strategic advantages and vulnerabilities are identified, and the robust ness of the business model is tested. The results indicate that Neobanks provide a promising customer-centric value proposition while profitability represents a core challenge. Essential recommendations to enhance the business model include the expansion and diversification of the product and service portfolio and the development of a data monetization plan.

Palavras-chave

Strategy Economics Business model Europe Banking Industry Neobanks Business model canvas Customer Organizational architecture Value proposition Evolution Variation Optimization Challenger banks Business model dimensions