{"id":3209,"date":"2016-10-08T12:01:08","date_gmt":"2016-10-08T12:01:08","guid":{"rendered":"https:\/\/insights.invyo.io\/europe\/?p=3209"},"modified":"2019-07-30T13:55:57","modified_gmt":"2019-07-30T13:55:57","slug":"factsfigures-challenger-banking-industry-and-trends-by-devie-mohan-and-finleap","status":"publish","type":"post","link":"https:\/\/insights.invyo.io\/europe\/analyses\/factsfigures-challenger-banking-industry-and-trends-by-devie-mohan-and-finleap\/","title":{"rendered":"Facts&#038;Figures &#8211; Challenger Banking Industry and Trends by Devie Mohan and Finleap"},"content":{"rendered":"<p style=\"text-align: justify;\"><strong>Techfoliance wants to highlight key data and information from the most interesting Fintech reports and researches so that you can go straight to the point.<\/strong><\/p>\n<p style=\"text-align: justify;\">Devie Mohan, a fintech advisor, writer and researcher, in partnership with the Berlin-based Finleap recently published their first Fintech\u00a0report: The Challenger Banking Industry and Trends.<\/p>\n<h3 style=\"text-align: justify;\">Key FIGURES\u00a0on Challenger Banks<\/h3>\n<p style=\"text-align: justify;\">The UK itself has witnessed over <strong>30 challengers\u00a0applying<\/strong> for a banking licence in the past four years,\u00a0but\u00a0<strong>just 8 banking licences<\/strong> were granted by regulators\u00a0between 2010 and 2015.<\/p>\n<hr \/>\n<p style=\"text-align: justify;\"><strong>Customer confidence in banking<\/strong>:\u00a0UK \u2013 33%, France \u2013 33%, Germany \u2013\u00a040%, Italy \u2013 24%, USA \u2013 37%,\u00a0Thailand \u2013 89%,\u00a0Malaysia \u2013 86%, Philippines \u2013 77%, China \u2013 72%,\u00a0India \u2013 70%.<\/p>\n<hr \/>\n<p style=\"text-align: justify;\"><strong>Smartphone penetration<\/strong>:\u00a0Singapore \u2013 92%, South Korea \u2013 82%, UK \u2013 75%, USA\u00a0\u2013 70%, Germany \u2013 65%,\u00a0Hong Kong \u2013 63%, China- 58%,\u00a0Israel \u2013 57%.<\/p>\n<hr \/>\n<p style=\"text-align: justify;\"><strong>Market acceptance<\/strong>;\u00a057% of consumers in the UK have\u00a0been with their account provider for more than 10\u00a0years and 37% for more than 20 years. Less than 3%\u00a0switched their personal current\u00a0account in 2015.<\/p>\n<hr \/>\n<p style=\"text-align: justify;\">By 2020 student debt is expected to grow to a\u00a0staggering <strong>$3 trillion.<\/strong><\/p>\n<hr \/>\n<p style=\"text-align: justify;\"><strong>Adoption propensity<\/strong>:\u00a0Hong Kong (29%), US (17%) and the\u00a0UK (14%).<\/p>\n<hr \/>\n<p style=\"text-align: justify;\"><strong>SME Lending<\/strong>:\u00a0On average, credit\u00a0bureaus in the EU only have credit information on 67%\u00a0of SMEs, reducing SME loans.<\/p>\n<hr \/>\n<p style=\"text-align: left;\"><strong>UK regulation<\/strong>:\u00a0The FCA regulates ~56,000 firms providing\u00a0financial products and services to both UK and\u00a0international customers.<\/p>\n<hr \/>\n<h3 style=\"text-align: left;\">Key FACTS\u00a0on Challenger Banks<\/h3>\n<p style=\"text-align: justify;\"><strong>3 types<\/strong> of &#8216;Challenger Banks&#8217;: embryonic, real and pseudo challengers<\/p>\n<p style=\"text-align: justify;\"><a href=\"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2016\/10\/Techfoliance_burnmark_devie-mohan-finleap_challenger-baning.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-3210 size-full\" src=\"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2016\/10\/Techfoliance_burnmark_devie-mohan-finleap_challenger-baning.png\" alt=\"techfoliance_burnmark_devie-mohan-finleap_challenger-baning\" width=\"653\" height=\"499\" srcset=\"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2016\/10\/Techfoliance_burnmark_devie-mohan-finleap_challenger-baning.png 653w, https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2016\/10\/Techfoliance_burnmark_devie-mohan-finleap_challenger-baning-300x229.png 300w\" sizes=\"(max-width: 653px) 100vw, 653px\" \/><\/a><\/p>\n<hr \/>\n<p style=\"text-align: left;\">The <strong>location of Challenger Banks<\/strong>:<\/p>\n<p style=\"text-align: left;\"><a href=\"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2016\/10\/Techfoliance_challenger-banks_location.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-3218 size-full\" src=\"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2016\/10\/Techfoliance_challenger-banks_location.png\" alt=\"techfoliance_challenger-banks_location\" width=\"801\" height=\"297\" srcset=\"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2016\/10\/Techfoliance_challenger-banks_location.png 801w, https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2016\/10\/Techfoliance_challenger-banks_location-300x111.png 300w, https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2016\/10\/Techfoliance_challenger-banks_location-768x285.png 768w, https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2016\/10\/Techfoliance_challenger-banks_location-700x260.png 700w\" sizes=\"(max-width: 801px) 100vw, 801px\" \/><\/a><\/p>\n<hr \/>\n<p style=\"text-align: justify;\"><strong>Regulation<\/strong>: Newer banks are required to hold more capital\u00a0(8 -10 times higher than big banks) because they\u00a0have fewer years of data on the robustness of their\u00a0lending.<\/p>\n<hr \/>\n<p style=\"text-align: left;\"><strong>Too see the full report, please follow this link<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Techfoliance wants to highlight key data and information from the most interesting Fintech reports and researches so that you can go straight to the point. Devie Mohan, a fintech advisor, writer and researcher, in partnership with the Berlin-based Finleap recently published their first Fintech\u00a0report: The Challenger Banking Industry and Trends. Key FIGURES\u00a0on Challenger Banks The [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":3224,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[551,2181],"tags":[1014,1013,1015,1012,396,318,935,586,1011,1016,184],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Facts&amp;Figures - Challenger Banking Industry and Trends by Devie Mohan and Finleap - INVYO Insights Europe : Media Fintech<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/insights.invyo.io\/europe\/analyses\/factsfigures-challenger-banking-industry-and-trends-by-devie-mohan-and-finleap\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Facts&amp;Figures - Challenger Banking Industry and Trends by Devie Mohan and Finleap - INVYO Insights Europe : Media Fintech\" \/>\n<meta property=\"og:description\" content=\"Techfoliance wants to highlight key data and information from the most interesting Fintech reports and researches so that you can go straight to the point. Devie Mohan, a fintech advisor, writer and researcher, in partnership with the Berlin-based Finleap recently published their first Fintech\u00a0report: The Challenger Banking Industry and Trends. Key FIGURES\u00a0on Challenger Banks The [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/insights.invyo.io\/europe\/analyses\/factsfigures-challenger-banking-industry-and-trends-by-devie-mohan-and-finleap\/\" \/>\n<meta property=\"og:site_name\" content=\"INVYO Insights Europe\" \/>\n<meta property=\"article:published_time\" content=\"2016-10-08T12:01:08+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-07-30T13:55:57+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2016\/10\/Techfoliance_challenger-banking-industry-and-trends_devie-mohan_finleap.png\" \/>\n\t<meta property=\"og:image:width\" content=\"722\" \/>\n\t<meta property=\"og:image:height\" content=\"344\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Team Europe\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Team Europe\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/insights.invyo.io\/europe\/analyses\/factsfigures-challenger-banking-industry-and-trends-by-devie-mohan-and-finleap\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/insights.invyo.io\/europe\/analyses\/factsfigures-challenger-banking-industry-and-trends-by-devie-mohan-and-finleap\/\"},\"author\":{\"name\":\"Team Europe\",\"@id\":\"https:\/\/insights.invyo.io\/europe\/#\/schema\/person\/1050c8d334a20712305f7f60e2671b0b\"},\"headline\":\"Facts&#038;Figures &#8211; 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