L'impact des néobanques sur le secteur bancaire traditionnel européen

Abstract

In this thesis, we explore the impact of neobanks on the traditional banking sector in Europe, focusing on their disruptive potential and the role they play in the evolution of financial services. Through a mixed analysis combining both quantitative and qualitative methods, examining how these digital players are redefining banking paradigms, attract young, technophile customers and questioning the relevance of traditional banking models based on physical infrastructures. The thesis also delved in the findings, showed us that neobanks, although perceived as disruptive, also play a complementary role. Indeed, many see them as technological partners, providing complementary solutions to traditional institutions. Increasingly visible in the number of users and deposits they register, they are asserting themselves in the market by demonstrating that their solutions attract a significant proportion of the market. The analysis also provides an insight into the challenges ahead, stressing the need for neutrality towards the various European institutions, and highlights the importance of consumer confidence in the adoption of neobanks, by assessing whether they represent a real a real alternative to traditional banks, or simply a complement in a complement in a rapidly changing market.