Okhmatovskiy, IlyaOleza, Jaime de2024-02-232024-02-232023-01-212022-12-16http://hdl.handle.net/10362/164010increased use of apps by neo-banks and payment providers as a new tool to manage individual finances. In addition, consumers’ role in the industry is changing organizations’ decision making process by driving digital banks to build a more tailored service. Consequently, an analysis of the business model of the industry is presented, followed by recommendations that leverage on maximizing advantages and minimizing threats.engPayment systemDigital banksEuropeBusiness modelDigitalizationTraditional bankFintechmaster thesis203314204