Neobanks vs. παραδοσιακές τράπεζες : ποιο μοντέλο είναι βιώσιμο μακροπρόθεσμα
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Keywords
Neobanks ; Παραδοσιακές ΤράπεζεςAbstract
This thesis explores the evolving relationship between neobanks and traditional banks, focusing on financial performance, consumer trust, competition–cooperation strategies, and global trends shaping the banking sector’s future. Relying exclusively on secondary data from academic articles and policy documents, the study adopts a theoretical and comparative methodology. Findings reveal that neobanks outperform incumbents in cost efficiency, customer acquisition speed, and technological innovation, while traditional banks retain advantages in capital adequacy, liquidity resilience, and stability, particularly during crises. The analysis of consumer trust highlights generational differences: younger cohorts prioritize digital experiences, low costs, and speed, whereas older generations emphasize regulatory credibility, reputational stability, and physical presence. Moreover, the competitive landscape shows a clear shift toward collaborative ecosystems, including Banking-as-a-Service, embedded finance, and API-driven integration. Global patterns demonstrate rapid neobank adoption in regions with regulatory openness and digital readiness, contrasted by slower uptake in areas with financial illiteracy or weak institutional frameworks. Ultimately, the study concludes that long-term sustainability depends on hybrid banking ecosystems combining neobank agility with traditional banks’ resilience under forward-looking regulatory and technological conditions.