Digital Banking

Neobanks, digital banks, challenger banks and the changing shape of consumer and business banking.

A traditional bank branch beside a smartphone banking app, illustrating two ways to access financial services

Comparison

Traditional Banks vs Neobanks

Traditional banks and neobanks can offer similar everyday services, but their licences, account structures and customer protections may differ. This guide explains how to compare them by legal status, access to money, costs, lending and support across major jurisdictions.

2 h ago · 8 min read

Industry Guide

How to Launch a Digital Banking Business

A practical guide to choosing a banking, payment or e-money model, understanding licensing across six jurisdictions, and building the controls, technology and economics needed for launch.

2 h ago · 8 min read

Diagram of a digital banking business showing the customer app, regulated provider, ledger, payment networks and compliance controls

Industry Guide

Banking-as-a-Service Explained

Banking-as-a-Service lets businesses embed accounts, cards and payments into their own products through regulated financial partners. This guide explains how the model works, who holds customer money, how responsibilities are divided and what to check across major jurisdictions.

2 h ago · 8 min read

Diagram showing a customer-facing app connected through APIs to a regulated financial provider and payment systems

Industry Guide

How Digital Banking Works

Digital banking combines an app or website with the regulated institutions, ledgers and payment systems that hold and move money. This guide explains the mechanics, the differences between banks and non-bank providers, and what to check before opening an account.

2 h ago · 8 min read

Diagram connecting a digital banking app to an account ledger, regulated provider and payment networks

Industry Guide

What Is a Neobank?

A neobank is a digital-first financial service, but it is not necessarily a licensed bank. This guide explains how neobanks operate, where customer money is held, how they earn revenue and what to check across major jurisdictions.

2 h ago · 8 min read

Diagram showing three neobank models: a licensed bank, a payment or electronic money institution, and a fintech connected to a partner bank