ʻO Neobanks a me ka hōʻemi ʻana i nā uku panakō

Ua luhi ʻoe i ka uku kālā nā uku panakō nui loa i kēlā me kēia makahiki i kāu panakō kuʻuna? ʻO ka hoʻonā ka hoʻohana ʻana i nā neobanks a me nā waihona pūnaewele.

Ma waena o nā uku mālama moʻokāki, nā komisina hana a me agios no ka overdraft, ʻaʻole kānalua kāu mea panakō kuʻuna e hoʻopaʻa mau i kāu moʻokāki. Hualoaʻa: ʻumi a i ʻole mau haneli kālā i ʻai ʻia e hōʻemi nui i kou mana kūʻai.

Eia nō naʻe, aia nā hoʻonā koʻikoʻi e hoʻopau i kēia hoʻopau kālā a loaʻa hou ka mana o kāu kālā. Ma ka apo ʻana i nā neobanks a 100% nā panakō pūnaewele, hiki iā ʻoe ke hoʻoheheʻe i kāu mau panakō e like me ka hau i ka lā.

E ʻike ma kēia ʻatikala pehea e hōʻemi ai kēia mau mea pāʻani hou i ka waihona kālā pūnaewele ʻoi loa ka hoʻolilo ʻana o kāna panakō. mahalo i ka kā lākou hāʻawi maʻalahi a me kā lākou uku hoʻokūkū ʻoi loa, ʻaʻohe mea kupanaha i ka hopena o ka mahina me kāu panakō kuʻuna.

Finance de Demain hōʻike i nā hana hoʻopunipuni a pau e hoʻololi i kāu mau hana panakō a hana i ka mālama kālā.

Mākaukau e mālama i ke kālā hou aʻe i kāu ʻeke? Akā ma mua o ka hoʻomaka ʻana, eia Pehea e puka ai i waho o ka aie?

Hāele pū !

🌿 He aha nā uku o ka panakō e makaʻala?

ʻO nā uku panakō e pili ana i nā kālā a pau i unuhi ʻia e kahi panakō. Lawe ʻia kēia mau laʻana mai mooolelo mea kuai, inā pilikino a ʻoihana paha. Hoʻopili ʻia lākou no nā lawelawe i hāʻawi ʻia e ka panakō i mālama moʻokāki mea kūʻai.

No laila, ua loaʻa kēia mau komisina no hooponopono hooponopono o ka waihona panakō. Uku ko lakou huina no na hana like ole i hanaia ma ke ano o keia hooponopono ana. Hoʻopili kēia mau uku i nā mea kūʻai aku a me nā mea kūʻai aku ʻoihana.

ʻO ka mea mua, e nānā wikiwiki kākou i nā uku panakō nui e hoʻolohe ai:

• Les uku mālama moʻokāki, uku ʻia i kēlā me kēia makahiki no ka hoʻokele moʻokāki
• Les komisina hana, ʻauhau ʻia no kēlā me kēia hana
• nā koina hoʻonohonoho he kauoha kūpaʻa a i ʻole ka hōʻaiʻē pololei
• ʻO ke kumukūʻai o ke kāleka panakō, ʻoi aku ka hoʻopaneʻe ʻia a i ʻole kāleka gula
• nā uku no ka hoʻouna ʻana i ka puke kikoʻī a me nā ʻōlelo moʻokāki pepa
• Agios no ka overdraft ʻae ʻole ʻia a i ʻole nā ​​moʻohelu hewa

Ma luna o hoʻokahi makahiki, hiki ke maʻalahi kēia mau kumukūʻai ma mua o hoʻokahi haneli euros ma nā waihona kuʻuna. ʻO ka manawa kēia e mālama kālā !

🌿 Neobanks, ka nalu hou o 100% mobile banking

I nā makahiki i hala iho nei, ua puka mai nā ʻōpio 100% hoʻomaka waihona kālā e hāʻawi i kahi ala ʻē aʻe i ka panakō: ʻO kēia nā neobanks. ʻO ko lākou ikaika?

ʻO nā lawelawe panakō maʻalahi ma o ka polokalamu kelepona, nā uku haʻahaʻa haʻahaʻa a me kahi ʻike mea kūʻai maʻalahi.

ʻatikala e heluhelu ai: E hana maʻalahi i ke kālā ma Coinbase

N26, Revolut, Bank Orange, Aloha Bank… hui keia mau neobanks he lanakila nui me ka poʻe noho kūlanakauhale ʻōpio, lanakila ʻia e ko lākou maʻalahi o ka hoʻohana a me nā kumukūʻai haʻahaʻa. E nānā pono kākou i nā pono o kēia poʻe hou.

✔️ Ka ikaika o nā neobanks

• Unbeatable rates, ʻoiai he hāʻawi kumu manuahi loa
• 100% lawe lima: ka wehe ʻana a me ka hoʻokele moʻokāki ma o ka app
• ʻAʻohe kūlana loaʻa: hiki ke loaʻa i nā profiles a pau
• ʻAʻohe uku moʻokāki a uku kāleka hōʻaiʻē
• Nā kālepa haole ma ka uku hoʻololi Mastercard
• Nā hoʻoili koke manuahi ma waena o nā mea hoʻohana
• ʻO nā koho hou e like me nā loko iʻa like

ʻIke loa, hāʻawi nā neobanks i kahi waiwai maikaʻi loa no ke kālā no kahi ʻike panakō maʻalahi a hou. He mea e hoʻopiʻi i nā mea kūʻai kelepona kelepona ʻōpio.

✔️ Nā palena e noʻonoʻo ai

ʻOiaʻiʻo, ʻo nā neobanks kekahi mau palena:

• Liʻiliʻi a i ʻole ʻaʻohe ʻoihana kino
• Loaʻa ka lawelawe mea kūʻai aku ma ka pūnaewele ma o ke kamaʻilio a i ʻole leka uila
• Ka palena palena o nā huahana mālama a hoʻopukapuka
• Kāleka hōʻemi a me ka ʻinikua kālepa
• noi i kekahi manawa ua hemolele ma kekahi mau kiko

No laila ʻoi aku ka maikaʻi o nā Neobanks ma ke ʻano he moʻokāki lua a i ʻole no ka hoʻohana pono ʻana.

🌿 Nā panakō pūnaewele, ka mea ʻokoʻa i nā panakō kuʻuna

Ma kahi o nā neobanks, ʻo 100% nā waihona pūnaewele e like me Boursorama Banque, ING, Hello Bank, Monabanq he koho hoihoi e hōʻemi nui i kāu uku panakō. Ka nānā 'ana i ko lākou ikaika.

✔️ No ke aha e hoʻololi ai i ka panakō pūnaewele?

• Des uku kupono : ʻaʻole a liʻiliʻi paha nā uku mālama moʻokāki
• He pūnaewele nui o nā mīkini kūʻai manuahi
• ʻO kahi hui piha o nā huahana mālama kālā
• ʻO ka lawelawe mea kūʻai aku ma ka leka uila, kamaʻilio a me ke kelepona
• hooponopono 100% kikohoʻe inā makemake ʻoe

Hoʻohui nā panakō pūnaewele i nā kumukūʻai haʻahaʻa a me nā lawelawe piha. ʻO kahi hoʻohālikelike maikaʻi loa no nā mea he nui.

✔️ He aha nā hemahema o ka waihona kālā pūnaewele?

Eia naʻe, loaʻa i nā panakō pūnaewele kekahi mau palena:

• Nui loa kakaikahi na oihana kino, aia ma nā kūlanakauhale nui
• I kekahi manawa lōʻihi ke kali kelepona e hiki ai i ka lawelawe mea kūʻai aku
• Paʻakikī nā kaʻina hana wehe moʻokāki
• Hāʻawi ʻoi aku ka palena o ka aie ma mua o nā panakō kuʻuna
• ʻAʻole ergonomic loa nā polokalamu kelepona

Eia nō naʻe, ʻaʻole hiki ke hōʻole ʻia kā lākou mau mea maikaʻi e pili ana i nā tariff i ka hoʻohālikelike ʻia me nā pūnaewele kuʻuna.

🌿 Pehea e koho ai i kāu neobank a i ʻole ka panakō pūnaewele?

Pono e aʻo pono ʻia kekahi mau pae hoʻohālikelike e koho i kāu neobank:

• Hoʻohālikelike i loko kikoʻī i nā hāʻawi : manuahi, kaupaku, ʻinikua pili…
• E nānā i ka hilinaʻi a me ka ikaika kālā o ka neobank
• kukakuka hōʻike kikoʻī o nā mea kūʻai aku ma nā polokalamu kelepona a me ka lawelawe ma hope o ke kūʻai aku
• E hōʻoia i ka ka launa pū ʻana o ka hāʻawi me kāu mau pono kikoʻī
• E hoʻāʻo i nā polokalamu nou iho me nā hoʻāʻo manuahi
• E nānā i ka maʻalahi o ka lawe ʻana i kāu ʻikepili inā hoʻololi ʻoe i kou manaʻo

E lawe i ka manawa e aʻo i kēia mau kikoʻī e ʻike i ka neobank me ka maikaʻi maikaʻi loa / kumu kūʻai no kāu ʻaoʻao.

🌿 Ka ʻokoʻa ma waena o nā waihona neo a me nā panakō pūnaewele

Ua puni nā panakō pūnaewele no nā makahiki 1990, ʻoiai ua ʻike hou ʻia nā neobanks, ma hope o ka makahiki 2010. No laila ke hana nei nā panakō pūnaewele ma ka mākeke no ka manawa lōʻihi. Ua hoʻomohala lākou me ka hiki ʻana mai o ka Pūnaewele a me nā lawelawe pūnaewele.

ʻO Neobanks nā mea pāʻani hou loa i ka ʻāina panakō. ʻO kēia nā fintechs, nā hoʻomaka e hāʻawi i nā lawelawe waihona kālā hou. Ua hiki iā lākou ke hoʻohana i nā ʻenehana hou e like me ka mobile.

Heluhelu 'atikala: Nā ʻokoʻa kāke panakō, nā loiloi pilikino a me nā māka hōʻoia

Ke hilinaʻi nui nei nā panakō pūnaewele i nā hui panakō kuʻuna nui. He ʻāpana lākou o kā lākou hoʻolālā hoʻololi nā ala hāʻawi. ʻO ka ʻokoʻa, ʻo nā neobanks nā hui kūʻokoʻa e ʻimi nei e hoʻololi i ka ʻoihana panakō.

Eia kekahi, ʻo nā neobanks loaʻa ma ka pūnaewele wale nō ma o nā polokalamu kelepona. ʻO kā lākou lawelawe he 100% dematerialized. Loaʻa i kekahi mau panakō pūnaewele nā ​​lālā kino ma kahi o kā lākou hāʻawi mamao.

Ke kuhi nei nā Neobanks mea nui i ka poʻe ʻōpio, kūlanakauhale a me ka lawe lima. Kuhi ʻia nā panakō pūnaewele i kahi pahuhopu ākea, me nā mea kūʻai aku o nā makahiki āpau a me nā profile.

Nā Kaulike	Panakō pūnaewele	Neobanks
Ka lā i hoʻomaka ai	Makahiki 1990 📆	Ma hope o 2010 📅
kūlana	Nā lālā o nā hui panakō nui 🏢	Nā hoʻomaka kūʻokoʻa 🏗️
accessibility	Paena pūnaewele + polokalamu kelepona 💻📱	100% lawe lima 📱
ka pale kaua	ʻO nā ʻano mea kūʻai āpau 👨‍👩‍👧‍👦	ʻOpio a pili 🧑‍💻
Laulā o nā lawelawe	Nui: hōʻaiʻē, mālama, ʻinikua… 🏦	Ua kaupalena ʻia i nā lawelawe i kēlā me kēia lā 💳
holo 'awelika	Uku hoemi 💰	Ua noa pinepine 🆓
Customer Service	Kelepona, leka uila, kamaʻilio 📞 💬	Leka uila, kamaʻilio 💬

🌿 I ka hopena

Mahalo i kā lākou hāʻawi maʻalahi, kā lākou kumukūʻai maikaʻi a me kā lākou 100% ʻike kikohoʻe, hiki i keia poe keaka ke e hoʻokoe nui hoʻohālikelike ʻia me nā panakō kuʻuna.

E hoʻokaʻawale i ka manawa e nānā i nā koho like ʻole e like me kāu ʻaoʻao. Mai hoʻokaʻulua e hoʻohui i ka neobanking a me ka waihona kālā pūnaewele e hauʻoli i ka maikaʻi o nā ao ʻelua. ʻO ka mea nui ʻo ka puka ʻana i waho o nā hoʻolālā pipiʻi o nā panakō maʻamau.

ʻatikala e heluhelu: Nā noi e loaʻa kālā ma ka nānā ʻana i nā hoʻolaha

Oe au makemake i ka lanakila nui loa i kēia hoʻololi i nā maʻamau panakō. Eʻoluʻolu e kaʻana like i kāu manaʻo ma nā manaʻo. Mahalo kāu ʻeke kālā iā ʻoe!

Akā ma mua o kou haʻalele ʻana, eia Pehea e hana ai i kahi hāʻawi pāʻoihana ʻaʻole hiki ke pale ʻia