Neobanks da rage kudaden banki

Kun gaji da biyan kuɗi kudaden banki masu yawa kowace shekara zuwa bankin ku na gargajiya? Mafita ita ce amfani da neobanks da kuma bankunan kan layi.

Tsakanin kudaden kula da asusu, kwamitocin shiga tsakani da agios don overdraft, ma'aikacin bankin ku na gargajiya baya jinkirin huda asusunku akai-akai. Sakamako: dubun ko ma ɗaruruwan Yuro sun haɗiye wanda hakan ya rage ƙarfin siyan ku sosai.

Koyaya, akwai takamaiman mafita don kawo ƙarshen wannan ɓarna na kuɗi da kuma dawo da sarrafa kuɗin ku. Ta hanyar rungumar neobanks da 100% bankunan kan layi, za ku iya narkar da kuɗin banki kamar dusar ƙanƙara a rana.

Gano a cikin wannan labarin yadda waɗannan sabbin 'yan wasa a cikin banki na kan layi zasu iya ragewa kashe kudi a banki sosai. Godiya ga su m tayi da ƙimar gasa mai ƙarfi, babu ƙarin abubuwan ban mamaki a ƙarshen wata tare da ma'aikacin banki na gargajiya.

Finance de Demain yana bayyana duk dabaru don canza dabi'un banki da yin babban tanadi.

Kuna shirye don adana ƙarin kuɗi a cikin walat ɗin ku? Amma kafin mu fara, ga Yadda za a fita daga bashi?

Mu tafi!

🌿 Menene kuɗaɗen banki don lura da su?

Kudin banki yana nufin duk kudaden da banki ya cire. Ana ɗaukar waɗannan samfuran daga asusun abokin ciniki, na sirri ko na sana'a. Ana ci musu bashin ne domin ayyukan da bankin ke yi wa sarrafa asusun abokin ciniki.

Waɗannan ana karɓar kwamitocin don gudanarwa na asusun banki. Adadin su yana biyan ayyuka daban-daban da aka gudanar a matsayin wani bangare na wannan gudanarwa. Waɗannan kudade suna rufe duka ɗaiɗaikun mutane da ƙwararrun abokan ciniki.

Da farko, bari mu yi saurin duba manyan kuɗin da ake kashewa a banki don kula da su:

• Les kudin kula da asusu, ana biya duk shekara don sarrafa asusun kawai
• Les kwamitocin shiga tsakani, da aka ba wa kowane ma'amala ta musamman
• saitin farashin oda na tsaye ko zare kudi kai tsaye
• Farashin katin banki, musamman debit debit ko Gold cards
• kudade don aika littafin rajistan bayanai da bayanan asusun takarda
• Agios don overdraft rashin izini ko rashin bin ka'ida

Fiye da shekara guda, waɗannan farashin na iya zarce Yuro ɗari cikin sauƙi a bankunan gargajiya. Lokaci yayi ajiye kudi !

🌿 Neobanks, sabon yanayin bankin wayar hannu 100%.

A cikin 'yan shekarun nan, matasa 100% masu farawa na banki na kan layi sun fito don ba da wata hanya ta daban ta banki: Waɗannan su ne neobanks. Karfinsu?

Sassauƙan sabis na banki ta hanyar aikace-aikacen hannu, ƙananan kuɗaɗe da sauƙin ƙwarewar abokin ciniki.

Labari don karantawa: Yi kuɗi cikin sauƙi akan Coinbase

N26, Revolut, Orange Bank, Hello Bank… wadannan neobanks hadu babban nasara tare da matasa mazauna birni, sun ci nasara ta hanyar sauƙin amfani da ƙarancin farashi. Bari mu dubi fa'idar waɗannan sababbin.

✔️ Karfin Neobanks

• Ƙimar da ba za a iya doke su ba, har ma da tayin asali na kyauta gaba ɗaya
• 100% wayar hannu: bude asusu da gudanarwa ta hanyar aikace-aikacen
• Babu yanayin samun kudin shiga: m ga duk bayanan martaba
• Babu kuɗin asusu ko kuɗin katin kiredit
• Ma'amaloli na ƙasashen waje a darajar musayar Mastercard
• Canja wurin kai tsaye kyauta tsakanin masu amfani
• Sabbin zaɓuɓɓuka kamar wuraren tafki masu raba

A bayyane yake, neobanks suna ba da a mai kyau darajar kudi don sassauƙa da ƙwarewar banki na zamani. Wani abu don jan hankalin matasa abokan cinikin wayar hannu.

✔️ Iyaka don la'akari

Tabbas alƙawarin, neobanks duk da haka suna da wasu iyakoki:

• Kadan ko babu hukumomin jiki kwata-kwata
• Ana samun damar sabis na abokin ciniki akan layi ta taɗi ko imel
• Iyakantaccen kewayon tanadi da samfuran saka hannun jari
• Rage kati da inshorar ciniki
• Aikace-aikace wani lokacin har yanzu cikakke akan wasu batutuwa

Saboda haka Neobanks sun fi dacewa a matsayin asusun na biyu ko don ingantaccen amfani.

🌿 Bankunan kan layi, madadin bankunan gargajiya

Baya ga neobanks, bankunan kan layi 100% kamar Boursorama Banque, ING, Hello Bank, Monabanq wani zaɓi ne mai ban sha'awa don rage cajin bankin ku sosai. Bayanin karfinsu.

✔️ Me yasa aka canza zuwa banki ta kan layi?

• des m rates : babu ko kaɗan kuɗin kula da asusu
• Babban cibiyar sadarwa na injunan siyarwa kyauta
• Cikakken kewayon tanadi da samfuran saka hannun jari
• Sabis na abokin ciniki mai amsawa ta imel, taɗi da waya
• gudanarwa 100% dijital in kina so

Bankunan kan layi suna haɗa ƙananan farashi da cikakkun ayyuka. Kyakkyawan sulhu ga mutane da yawa.

✔️ Menene illar hada-hadar banki ta yanar gizo?

Koyaya, bankunan kan layi suna da wasu hani:

• sosai ƙananan hukumomi na jiki, dake cikin manyan garuruwa
• Wani lokaci dogon lokacin jiran tarho don isa sabis na abokin ciniki
• Hanyoyin buɗe asusun har yanzu suna da rikitarwa
• tayi ɗan ƙaramin ƙima mai iyaka fiye da bankunan gargajiya
• Aikace-aikacen wayar hannu ba koyaushe bane ergonomic sosai

Koyaya, fa'idodin su dangane da jadawalin kuɗin fito ya kasance ba a musanta idan aka kwatanta da hanyoyin sadarwar gargajiya.

🌿 Yadda ake zabar bankin neobank ko kan layi?

Ya kamata a yi nazari da yawa a hankali don zaɓar bankin neobank:

• Kwatanta cikin daki-daki da tayi : kyauta, rufi, inshora mai alaƙa…
• Bincika aminci da ƙarfin kuɗi na neobank
• shawarci cikakken abokin ciniki reviews akan aikace-aikacen hannu da sabis na tallace-tallace
• Tabbatar da dacewa da tayin tare da bukatun ku bayanai
• Gwada apps da kanka tare da gwaji kyauta
• Duba sauƙin fitar da bayanan ku idan kun canza tunanin ku

Ɗauki lokaci don nazarin waɗannan abubuwan daki-daki don nemo bankin neobank tare da mafi kyawun ingancin / ƙimar bayanin martabar ku.

🌿 Bambanci tsakanin bankunan neo da bankunan kan layi

Bankunan kan layi sun kasance a kusa don shekaru 1990, yayin da neobanks sun bayyana da yawa kwanan nan, bayan 2010. Don haka bankunan kan layi sun daɗe suna aiki a kasuwa. Sun ci gaba da zuwan Intanet da sabis na kan layi.

Neobanks 'yan wasa ne sosai kwanan nan a cikin yanayin banki. Waɗannan su ne fintechs, farawa waɗanda ke ba da sabbin ayyukan banki. Sun sami damar cin gajiyar sabbin fasahohi kamar wayar hannu.

Labarin da za a karanta: Bambance-bambancen cakin banki, cak na sirri da takaddun shaida

Bankunan kan layi gabaɗaya sun dogara da manyan ƙungiyoyin banki na gargajiya. Suna daga cikin dabarun rarraba su tashoshin rarrabawa. Sabanin haka, neobanks ne ƙungiyoyi masu zaman kansu masu neman kawo sauyi a fannin banki.

Har ila yau, neobanks akan layi kawai ta hanyar wayar hannu apps. Ayyukansu sun lalace 100%. Wasu bankunan kan layi har yanzu suna da rassa na zahiri ban da tayin su na nesa.

Neobanks suna niyya fifiko matasa abokin ciniki, Birni da wayar hannu. Bankunan kan layi suna nufin manufa mafi girma, tare da abokan ciniki na kowane zamani da bayanan martaba.

Sharudda	Bankin kan layi	Neobanks
Ranar farawa	Shekaru 1990 📆	Bayan 2010 📅
status	Ƙungiyoyin manyan ƙungiyoyin banki 🏢	Masu farawa masu zaman kansu 🏗️
Rariyar	Yanar Gizo + aikace-aikacen hannu 💻📱	100% mobile 📱
manufa	Duk nau'ikan abokan ciniki 👨‍👩‍👧‍👦	Matashi kuma an haɗa 🧑‍💻
Yawan sabis	Babban: bashi, tanadi, inshora… 🏦	Iyakance ga ayyukan yau da kullun 💳
rates	Rage kudade 💰	Sau da yawa kyauta 🆓
Abokin ciniki	Waya, imel, hira 📞 💬	Email, chat 💬

🌿 A karshe

Godiya ga sassauƙan tayinsu, fa'idar farashinsu da nasu 100% gwaninta dijital, waɗannan 'yan wasan kwaikwayo sun sa ya yiwu yi babban tanadi idan aka kwatanta da bankunan gargajiya.

Ɗauki lokaci don nazarin zaɓuɓɓuka daban-daban bisa ga bayanin martabarku. Kada ku yi jinkirin haɗa neobanking da banki kan layi don jin daɗin mafi kyawun duniyoyin biyu. Babban abu shine fita daga tsare-tsare masu tsada na bankunan gargajiya.

Labarin da za a karanta: Aikace-aikace don samun kuɗi ta hanyar kallon tallace-tallace

Ni ku yi fatan babban rabo a cikin wannan canjin yanayin banki. Jin kyauta don raba ra'ayoyin ku a cikin sharhi. Wallet ɗinku zai gode muku!

Amma kafin ku tafi, ga Yadda ake Ƙirƙirar Taimakon Kasuwanci mara Gama