Analiza njemačke digitalne banke N26

master's thesis

• Title (english): Analysis of the german digital bank N26
• Author: Patricia Krcivoj
• Mentor: August Cesarec (mentor)
• Committee member: Antonija Buljan (predsjednik povjerenstva)
• Committee member: Ana Ivanišević Hernaus (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; Zagreb
• Defense date and country: 2024-09-23, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

Poslovanje digitalnih banaka predstavlja revolucionarnu promjenu u tradicionalnom bankarskom sektoru, pružajući korisnicima nove mogućnosti u upravljanju njihovim financijama putem mobilnih aplikacija. U ovom kontekstu, analiza njemačke digitalne banke N26 pruža dublji uvid u njezinu strategiju, stanje poslovanja i buduće perspektive. N26 se ističe kao vodeća digitalna banka fokusirana na europsko tržište, nudeći širok raspon usluga uključujući tekuće račune, debitne kartice i mogućnost podizanja gotovine. S naglaskom na pristupačnost, transparentnost troškova i jednostavnost korištenja, N26 je stekao veliku popularnost među korisnicima koji traže moderno i fleksibilno bankarstvo. Analiza N26 - ovog poslovanja otkriva brojne prednosti poput inovativnih značajki, rasta korisničke baze i financijske stabilnosti. Međutim, suočava se i s izazovima kao što su konkurencija na tržištu, regulatorni zahtjevi i potreba za kontinuiranim poboljšanjima. Unatoč tim izazovima, buduće perspektive N26-a su optimistične jer ima čvrstu poziciju na tržištu, snažan financijski temelj i mogućnost daljnjeg rasta i razvoja. U konačnici, N26 predstavlja primjer kako digitalne banke transformiraju bankarski sektor i prilagođavaju se potrebama modernih potrošača, postavljajući temelje za budući razvoj digitalnog bankarstva.

Abstract (english)

The operation of digital banks represents a revolutionary change in the traditional banking sector, providing users with new opportunities in managing their finances through mobile applications. In this context, the analysis of the German digital bank N26 provides a deeper insight into its strategy, state of operations and future prospects. N26 stands out as a leading digital bank focused on the European market, offering a wide range of services including current accounts, debit cards and cash withdrawals. With an emphasis on affordability, cost transparency and ease of use, N26 has gained great popularity among customers looking for modern and flexible banking. An analysis of N26's business reveals numerous advantages such as innovative features, growing user base and financial stability. However, it also faces challenges such as market competition, regulatory requirements and the need for continuous improvements. Despite these challenges, the future prospects of N26 are optimistic because it has a solid position in the market, a strong financial foundation and the possibility of further growth and development. Ultimately, N26 is an example of how digital banks are transforming the banking sector and adapting to the needs of modern consumers, laying the foundations for the future development of digital banking.

• Keywords: digitalne banke; Fintech usluge; N26; Revolut; Wise
• Keywords (english): digital banks; Fintech services; N26; Revolut; Wise
• Language: croatian
• URN:NBN: urn:nbn:hr:148:514284
• Study programme: Title: Business economics; Study programme type: university; Study level: integrated undergraduate and graduate; Academic / professional title: sveučilišni magistar ekonomije/sveučilišna magistra ekonomije (sveučilišni magistar ekonomije/sveučilišna magistra ekonomije)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Access restricted to authenticated users
• Created on: 2024-09-25 12:58:43