WhiteSight

From Z to A: The New Battleground of Neobanks & FinTechs

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Bye Millennials, Hello GenZ & Gen Alpha! Here are the neobanks catering to the vibrant youths of the world and ushering in a new era of digital banking – one that’s a lot more fun and full of learnings. Coming of age in a technological boom makes today’s Z & Alpha generations digitally savvy like no other. It’s only natural that their ‘financial coming of age’ will be a much different experience.From ‘How Much?’ to ‘How?’Bringing in the parental perspective, in a digital age like ours, the concern of ‘How much pocket money should I give my child?’ (amount) has evolved into ‘How should I give it to them?’ (channel).This whitespace was tapped into brilliantly by the early-movers in this segment to target a future generation of customers. ,,GoHenry, and ,,Osper were the first of many that emerged in Europe circa 2012.The FocusOver the years, the segment has seen a bubbling emergence of new fintechs and neobanks globally, that can be broadly classified into two types:Kids & Teen banking as a ‘core-offering’ – GoHenry, Spriggy, Step – Fintechs partnering with a licensed bank or payments provider on the backend.Kids & Teen banking as a ‘sub-offering’ – Tinkoff Junior, Kakao Bank, […]

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