意大利線上銀行市場(chǎng)調(diào)研和分析報(bào)告（英文版）-2024年1月上傳培訓(xùn)課件

INDUSTRIES

&

MARKETSOnlinebankinginItalyCHAPTER

01OverviewFintechrevenueinselectedEuropeancountriesin2023(inbillionU.S.dollars)FintechrevenueinEurope2023,bycountryRevenueinbillionU.S.dollars4012356789UnitedKingdomGermanyFrance8.157.473.263.04SpainNetherlandsSwitzerlandItaly2.261.91.88Sweden1.2BelgiumIreland1.190.77DenmarkPortugal0.610.323Description:In2023,thevalueofrevenuegeneratedinthefintechsectorintheUnitedKingdom(UK)wasestimatedat8.15billionU.S.dollars,makingtheUKtheleadingEuropeancountryintermsoffintechrevenue.GermanyandFrancefollowed,with7.47and3.26billionU.S.dollars,respectively.FurtherinformationandmethodologynotescanbefindinStatista'sDigitalMarketInsights.ReadmoreNote(s):Belgium,Denmark,France,Germany,Ireland,Italy,Netherlands,Portugal,Spain,Sweden,Switzerland,UnitedKingdom;2023;datashownisusingcurrentexchangeratesandreflectsmarketimpactsoftheRussia-UkrainewarSource(s):DigitalMarketInsightsNumberoffintechusersinselectedEuropeancountriesin2023(inmillions)FintechusersinEurope2023,bycountryNumberofusersinmillions600204080100120UnitedKingdomGermanyFrance106.5396.479.4Italy57.4950.52SpainNetherlands22.65SwedenBelgium12.7612.4SwitzerlandPortugal11.039.237.977.32DenmarkIreland4Description:In2023,theUnitedKingdom(UK)hadthehighestnumberoffintechusersinEurope,withanestimated106.53millionusers.TheUKwasfollowedbyGermanyandFrance,with96.4and79.4millionusers,respectively.FurtherinformationandmethodologynotescanbefindinStatista'sDigitalMarketInsights.ReadmoreNote(s):Belgium,Denmark,France,Germany,Ireland,Italy,Netherlands,Portugal,Spain,Sweden,Switzerland,UnitedKingdom;2023;datashownisusingcurrentexchangeratesandreflectsmarketimpactsoftheRussia-UkrainewarSource(s):DigitalMarketInsightsFintechtransactionvalueinEuropein2023,bycountry(inbillionU.S.dollars)FintechtransactionvalueinEurope2023,bycountryTransactionvalueinbillionU.S.dollars600

80002004001,0001,2001,215.431,400UnitedKingdomFrance471.47456.28NetherlandsGermanySwitzerlandItaly354240.55233.56Sweden168.11162.53149.28144.24137.21SpainDenmarkIrelandBelgiumPortugal80.375Description:In2023,thevalueoffintechtransactionsexceeded1.2trillionU.S.dollarsintheUnitedKingdom,makingittheEuropeanmarketwiththehighestfintechtransactiongenerated.TheUnitedKingdomwasfollowedbyFranceandtheNetherlands,withroughly471.5and456.3billionU.S.dollars,respectively.FurtherinformationandmethodologynotescanbefindinStatista'sDigitalMarketInsights.ReadmoreNote(s):Belgium,Denmark,France,Germany,Ireland,Italy,Netherlands,Portugal,Spain,Sweden,Switzerland,UnitedKingdom;2023;datashownisusingcurrentexchangeratesandreflectsmarketimpactsoftheRussia-UkrainewarSource(s):DigitalMarketInsightsAssetsundermanagement(AUM)offintechsectorinselectedEuropeancountriesin2022(inbillionU.S.dollars)AssetsundermanagementoffintechsectorinEurope2022,bycountryAssetsundermanagementinbillionU.S.dollars40

60

80020100120140GermanyUnitedKingdomFrance126.7106.6472.54Spain40.59Italy33.9433.28NetherlandsSwitzerlandSweden25.6918.9617.16BelgiumDenmarkIreland11.1611.13Portugal5.56Description:Germanyisleadingtherankingbyindicator'AssetsunderManagement'inthe'DigitalInvestment'segmentofthefintechmarket,recording126.7billionU.S.dollars.FollowingcloselybehindistheUnitedKingdomwith106.64billionU.S.dollars,whilePortugalistrailingtherankingwith5.5billionU.S.dollars,resultinginadifferenceof121.2billionU.S.dollarstotherankingleader,Germany.ReadmoreNote(s):Belgium,Denmark,France,Germany,Ireland,Italy,Netherlands,Portugal,Spain,Sweden,Switzerland,UnitedKingdom;Jan1sttoDec31st2022;datashownisusingcurrentexchangeratesandreflectsmarketimpactsoftheRussia-UkrainewarSource(s):DigitalMarketInsightsOnlinebankingpenetrationinselectedEuropeanmarketsin2022OnlinebankingpenetrationinEuropeanmarkets2022Shareofindividuals0%10%20%30%40%50%60%70%80%90%100%110%NorwayIceland*Finland95.84%94.84%94.68%94.35%DenmarkNetherlandsIreland90.72%86.29%83.5%SwedenEstoniaLatvia83.36%82.45%BelgiumSwitzerland*Czechia79.51%77.44%77.09%Lithuania74.82%7Description:In2022,itwasfoundthatcloseto96percentoftheNorwegianpopulationaccessonlinebankingsites,makingNorwaythecountrywiththestrongestinternetbankingpenetrationinEurope,followedbyIcelandandFinland.MontenegroandAlbania,ontheotherhand,hadthelowestinternetbankingpenetration,with11.35and5.24percent,respectively.ReadmoreNote(s):Europe;2022;16to74years;*2021data.TheEUsurveyontheuseofInformationandCommunicationTechnologies(ICT)inhouseholdsandbyindividualsisanannualsurveyconductedsince2002aimingatcollectinganddisseminating[...]

ReadmoreSource(s):EurostatCHAPTER

02OnlinebankinglandscapeValueoffintechrevenueinItalyinfrom2017to2023,withforecastsfrom2024to2027,bysegment(inmillionU.S.dollars)FintechrevenueinItaly2017-2023,withforecaststo2027,bysegmentDigitalassetsDigitalinvestment3,5003,0002,5002,0001,5001,0005000201720182019202020212022202320242025202620279Description:TotalrevenueofthefintechindustryinItalyamountedtoroughly1.88billionU.S.dollarsin2023,whichwasanotableincreasecomparedtothepreviousyearwhenfintechrevenuedroppedslightly.AccordingtoStatista'sDigitalMarketInsights,fintechrevenuewillincreasefurtherinthefollowingyears,reachingapproximately2.9billionU.S.dollarsby2027.ReadmoreNote(s):Italy;2017to2023Source(s):DigitalMarketInsightsNumberoffintechusersinItalyin2023,bysegment(inmillions)NumberoffintechusersinItaly2023,bysegment4540.334035302520151057.575.823.780DigitalpaymentsDigitalassetsNeobankingDigitalinvestment10Description:Therewereapproximately52.5millionfintechusersinItalyin2023.ThisisaccordingtoStatista'sDigitalMarketInsights,whichestimatedthatthedigitalpaymentssegmentofthefintechindustryhad40.3millionusers,makingitthelargestfintechsegmentintermsofuserbase.Thedigitalassetssegmentcountedroughly7.57millionusers,whichwasfollowedbyneobanking,withanestimateduserbaseof5.82million.ReadmoreNote(s):Italy;2023Source(s):DigitalMarketInsightsRevenueofneobankinginItalyfrom2017to2023,withforecastsfrom2024to2027(inbillionU.S.dollars)NeobankingrevenueinItaly2017-2023,withforecaststo2027RevenueRevenuechange2501201008060402002001501005002017201820192020202120222023202420252026202711Description:NeobankingrevenueinItalyincreasedsharplybetween2017and2023,anditisforecasttoincreaseevenfurtherinthefollowingyears.AccordingtoStatista'sDigitalMarketInsights,neobankingrevenueexceeded114billionU.S.dollarsin2023,upfrom78.3billionU.S.dollarsin2022.Despitethesteadyrevenueincrease,revenuegrowthsloweddowninthesameperiod.ReadmoreNote(s):Italy;2017to2023Source(s):DigitalMarketInsightsNumberofneobankingusersinItalyfrom2017to2023,withforecastsfrom2024to2027(inmillions)NumberofneobankingusersinItaly2017-2023,withforecaststo20271098.78.357.7986.9575.82654.3143.5532.372101.50.910.552017201820192020202120222023202420252026202712Description:ThenumberofneobankingusersinItalyincreasedsteadilybetween2017and2023,exceeding5.8millionin2023.AccordingtoStatista'sDigitalMarketInsights,theuserbaseofneobankingisforecasttoincreaseevenfurtherinthefollowingyears.By2027,thenumberofneobankingusersinItalyisestimatedtoreach8.7million.ReadmoreNote(s):Italy;2017to2023Source(s):DigitalMarketInsightsOnlinebankingpenetrationinItalyfrom2013to2022OnlinebankingpenetrationinItaly2013-202260%50%40%48.35%45.15%39.45%36.31%33.83%30.83%28.96%28.06%30%20%10%0%26.07%21.72%201320142015201620172018201920202021202213Description:OnlinebankingpenetrationinItalyincreasedsignificantlybetween2013and2022.In2013,lessthan22percentofallindividualsusedinternetbanking.By2020,theshareofindividualsusingthisformofbankingreachedalmost40percent,andthisnumberincreasedevenfurtherinthefollowingyears.Asof2022,onlinebankingpenetrationinItalywas48.35percent.ReadmoreNote(s):Italy;2007to2022Source(s):EurostatShareofbankaccountholdersprocessingbankingmattersviaonlinebanking(PCorlaptop)inItalyfrom1sthalf2019to2ndquarter2023OnlinebankingpenetrationinItaly2019-2023,byquarter70%63%63%61%60%60%59%59%59%58%58%60%50%40%30%20%10%0%56%54%53%52%H12019

H22019

H12020

H22020

Q12021

Q22021

Q32021

Q42021

Q12022

Q22022

Q32022

Q42022

Q12023

Q2202314Description:TheshareofbankaccountholderswhoprocessedbankingmattersviaonlinebankingdecreasedbutremainedrelativelyhighinItalybetween2019and2023.AccordingtoStatista'sConsumerInsights,theshareofbankaccountholderswhoprocessedbankingaffairsviaPCorlaptopdroppedfrom63percentin2019to52percentinthesecondquarterof2023.Despitethedownwardtrend,onlinebankingremainedtheprimarymethodtoprocessbankingaffairsinItaly.

ReadmoreNote(s):Italy;H12019toQ22023;1,911respondents;18-64years;bankaccountholdersSource(s):ConsumerInsightsShareofbankaccountholdersprocessingbankingmattersviamobilebanking(smartphoneortablet)inItalyfrom1sthalf2019to2ndquarter2023MobilebankingpenetrationinItaly2019-2023,byquarter60%52%51%51%50%50%50%50%50%50%49%48%50%40%30%20%10%0%47%47%47%H12019

H22019

H12020

H22020

Q12021

Q22021

Q32021

Q42021

Q12022

Q22022

Q32022

Q42022

Q12023

Q2202315Description:Mobilebankingpenetrationincreasedslowlybetween2019and2023amongbankaccountholdersinItaly,with51percentofallbankaccountholdersprocessingbankingmattersviamobileinthesecondquarterof2023.AccordingtoStatista'sConsumerInsights,theshareofrespondentswhoprocessedbankingaffairsviasmartphoneortabletincreasedbythreepercentintheobservedperiod.Despitetheslightincrease,onlinebankingremainedthemostpopularmethodtoprocess[...]

ReadmoreNote(s):Italy;H12019toQ22023;1,911respondents;18-64years;bankaccountholdersSource(s):ConsumerInsightsCHAPTER

03FinancialindicatorsofdigitalbanksNetinterestincomeofthedigitalbankingindustryinItalyfrom2017to2023,withforecastsfrom2024to2028(inbillionU.S.dollars)NetinterestincomeofdigitalbanksinItaly2017-2023,withforecaststo2028353029.527.725.52522.819.4201510515.410.67.94.62.61.40.8020172018201920202021202220232024202520262027202817Description:ThenetinterestincomeofthedigitalbankingindustryinItalymultipliedinrecentyears,exceeding15billionU.S.dollarsin2023.Accordingtofollowingyears,reaching29.5billionU.S.dollarsin2028.ReadmoreFinancialMarketInsights,thenetinterestincomeofdigitalbankswillincreaseevenfurtherintheNote(s):Italy;2017to2023Source(s):FinancialMarketInsightsValueofcustomerdepositsatdigitalbanksinItalyfrom2017to2023,withforecastsfrom2024to2028(inbillionU.S.dollars)ValueofdepositsatdigitalbanksinItaly2017-2023,withforecaststo2028900800700852.6800.8737.4661.96005004003002001000564446.8309.92022236.12021142.4202081.146.226.120172018201920232024202520262027202818Description:Between2017and2023,thevalueofcustomerdepositsatdigitalbanksinItalygrewsharply,reaching446.8billionU.S.dollarsin2023.AccordingtoStatista'sFinancialMarketInsights,thevalueofdepositsisforecasttogrowevenfurtherinthefollowingyears.By2028,thetotalvalueofcustomerdepositsisestimatedtoexceed852billionU.S.dollars.ReadmoreNote(s):Italy;2017to2023Source(s):FinancialMarketInsightsValueofloansprovidedbydigitalbanksinItalyfrom2017to2023,withforecastsfrom2024to2028(inbillionU.S.dollars)ValueofloansbydigitalbanksinItaly2017-2023,withforecaststo2028500450400455.5426.7391.7350.3350297.230025020015010050234.1161.12022121.820217241.622.713.10201720182019202020232024202520262027202819Description:AccordingtothevalueofloansprovidedbydigitalbanksinItalyexceeded234billionU.S.dollarsin2023,whichwasasharpincreasecomparedtothepreviousyears.BasedonStatista'sFinancialMarketInsights,thevalueofloansisforecasttogrowevenfurtherinthefollowingyears.By2028,thetotalvalueofloansisestimatedtoexceed455billionU.S.dollars.ReadmoreNote(s):Italy;2017to2023Source(s):FinancialMarketInsightsCHAPTER

04BankingappsNumberoffinanceappdownloadsinItalyin2022,bytype(inmillions)FinanceappdownloadsinItaly2022,bytype2017.81816141210813.57.15.863.85420.270DigitalwalletsandpaymentsMobilebankingCryptocurrencytradingPersonalinvestingPersonalloansOther21Description:DigitalwalletsandpaymentsappswerethemostpopulartypeoffinanceappsinItalyin2022,basedonthenumberofdownloads.Throughouttheyear,suchappsweredownloadedroughly17.8milliontimes.Mobilebankingappsfollowed,with13.5milliondownloads.BancoPostawastheleadingbankingappbetween2015and2023.Financeappsprovidingpersonalloanservicesweretheleastpopularintermsofthenumberofdownloads.

ReadmoreNote(s):Italy;2022Source(s):Data.ai;ShareoflocallyheadquarteredfinanceappdownloadsinselectedEuropeancountriesfrom2019to2022ShareoflocalfinanceappdownloadsinEurope2019-2022GermanyFranceUnitedKingdomSpainItaly80%70%60%50%40%30%20%10%0%201920202021202222Description:Between2019and2022,thefintechsectorinthemajorEuropeancountriesbecamelesslocalizedintermsoffinanceappdownloads.Inallobservedcountries,theshareoflocallyheadquarteredfinanceappdownloadsdecreasedbetween2019and2022,although2022sawanincreaseinallcountriesbutItaly.Incomparison,theshareoflocalfinanceappdownloadsintheUnitedStateswasmuchhigher(87.2percent)thaninanyoftheobservedEuropeancountries.ReadmoreNote(s):France,Germany,Italy,Spain,UnitedKingdom;2019to2022Source(s):Data.aiLeadingbankingappsinItalyfrom1stquarter2015to1stquarter2023,bynumberofGooglePlaydownloadsKeybankingappsinItaly2015-2023,bynumberofGooglePlaydownloadsBancoPostaRevolutIntesaSanpaoloMobileKlarnaMobileBankingUniCreditN26BPERBancaBBVAItaliaRelaxBankingMobileWise800,000700,000600,000500,000400,000300,000200,000100,000023Description:BancoPostawastheleadingbankingappinItalybetween2015andthefirstquarterof2023,withtotaldownloadsthroughGooglePlayexceedingninemillionintheobservedperiod.QuarterlydownloadsoftheItalianpostalsavingssystemthatoperatesasaunitoftheItalianPostOfficereachedanewhighinthefirstquarterof2023,whenalmost500,000peopledownloadedtheapp.TheleadingneobanksinEurope(Revolut,N26,andWise)werealsoamongthemostpopularbanking[...]

ReadmoreNote(s):Italy;Q12015toQ12023Source(s):AppMagic;LeadingbankingappsinItalyfrom1stquarter2015to1stquarter2023,bynumberofiPhoneAppStoredownloadsKeybankingappsinItaly2015-2023,bynumberofiPhoneAppStoredownloadsBancoPostaRevolutIntesaSanpaoloMobileKlarnaMobileBankingUniCreditN26BPERBancaBBVAItaliaRelaxBankingMobileWise350,000300,000250,000200,000150,000100,00050,000024Description:IntesaSanpaoloMobilewastheleadingbankingappinItalybetween2015andthefirstquarterof2023,withtotaldownloadsthroughiPhoneAppStoreexceedingfourmillionintheobservedperiod.QuarterlydownloadsofIntesaSanpaolo'sbankingapppeakedinthesecondquarterof2021,whenalmost300,000peopledownloadedit.AmongtheleadingneobanksinEurope,Revoluthadthehighestnumberofdownloadsintheobservedperiod,buttheappsoftraditionalbanks,such[...]

ReadmoreNote(s):Italy;Q12015toQ12023Source(s):AppMagic;CHAPTER

05OnlineandmobilebankingservicesPaymentservicesavailableviainternetandmobilebankinginItalyin2022PaymentservicesavailableviainternetandmobilebankinginItaly2022InternetbankingMobilebanking120%100%80%60%40%20%0%96%83%79%67%63%58%46%41%29%

29%25%13%

13%8%8%PaymentF24PaymentwithcameraSCTInstP2PPaymentwithNFCATMcardlessPISPOtherpayments

Billsplitting26Description:In2022,paymentservicesofferedondigitalbankingchannelsinItalyvariedacrossplatforms.ThemostwidelyadoptedservicewastheF24payment,whichwasavailableon96percentoftheinternetbankingplatformsand83percentofthemobilebankingplatforms.SEPAInstantCreditTransfer(SCTInst)wasalsoawidelyavailableservice,with67and63percentofinternetandmobilebankingplatformsofferingthisformofpayment,respectively.ReadmoreNote(s):Italy;2022Source(s):AssociazionebancariaitalianaLoanservicesavailableviainternetandmobilebankinginItalyin2022LoanservicesavailableviainternetandmobilebankinginItaly2022InternetbankingMobilebanking70%60%50%40%30%20%10%0%63%59%46%33%25%21%LoanrequestMortgagesimulationMortgagerequest27Description:In2022,Italysawtheprevalenceofvariousloanservicesthroughinternetandmobilebankingplatforms.Mortgagesimulationwasaccessibleto46percentofusersviainternetbankingand33percentthroughmobilebanking.Loanrequestserviceswereevenmorewidelyavailable,with59percentaccessibleviainternetbankingand63percentthroughmobilebanking.Meanwhile,mortgagerequestserviceswereaccessibleto25percentofusersthroughinternetbankingand21percent[...]

ReadmoreNote(s):Italy;2022Source(s):AssociazionebancariaitalianaPersonalfinancialmanagement(PFM)andbusinessfinancialmanagement(BFM)servicesavailableviainternetandmobilebankinginItalyin2022PFMandBFMservicesavailableviainternetandmobilebankinginItaly2022InternetbankingMobilebanking59%80%70%60%50%40%30%20%10%0%75%58%42%38%33%17%16%12%12%PFMDashboardanalysisAISPretailBFMAISPbusiness28Description:In2022,financialmanagementservicesinItalyviainternetbankingandmobilebankingexhibitedvaryinglevelsofusage.Personalfinancialmanagement(PSM)wasavailableon58percentoftheinternetbankingplatformsand75percentofthemobilebankingplatforms.Dashboardanalysiswasofferedon42percentofthesurveyedmobilebankingplatformsand38percentoftheinternetbankingplatforms,makingitanotherrelativelywidelyavailableservice.

ReadmoreNote(s):Italy;2022Source(s):AssociazionebancariaitalianaCustomerservicesavailableviainternetandmobilebankinginItalyin2022CustomerservicesavailableviainternetandmobilebankinginItaly2022InternetbankingMobilebanking80%70%60%50%40%30%20%10%0%67%54%50%50%42%38%8%4%ViachatViachatbotCallforassitanceViavideochat29Description:In2022,customerserviceinItalyshowedvaryingadoptionratethroughinternetandmobilebankingchannels.Customerserviceviachatwasthemostwidelyavailableservice,witha67percentadoptionrateoninternetbankingchannels,and50percentadoptionrateonmobilebankingchannels.Chatbotwasthesecondmostcommoncustomerservice,withmorethanhalfoftheinternetbankingplatformsofferingthisservice.ReadmoreNote(s):Italy;2022Source(s):AssociazionebancariaitalianaInvestmentservicesavailableviainternetandmobilebankinginItalyin2022InvestmentservicesavailableviainternetandmobilebankinginItaly2022InternetbankingMobilebanking80%70%60%50%40%30%20%10%0%75%67%46%38%13%8%8%8%MarketmonitoringTradingalertingCryptotradingRoboadvisor30Description:In2022,investmentservicesinItalyofferedthroughinternetbankingandmobilebankingexhibitedvaryingdegreesofadoption.Marketmonitoringwasaprevalentfeature,with75percentofusersaccessingitthroughinternetbankingand67percentviamobilebanking.Tradingalertingserviceswerealsowidelyavailable,with46percenthavingaccesstothisserviceoninternetbankingand38percentonmobilebanking.ReadmoreNote(s):Italy;2022Source(s):AssociazionebancariaitalianaCHAPTER

06CustomerattitudesMethodsofprocessingbankingaffairsinItalyin2ndquarter2023ProcessesinbankingaffairsinItaly2023Shareofrespondents0%10%20%30%40%50%60%Online(PC/laptop)Mobile(smartphone/tablet)InpersoninabranchTelephonebankingOther52%51%48%8%2%2%Don'tknow32Description:OnlinebankingwastheprimarymethodtoprocessbankingmattersamongbankaccountholdersinItalyinthesecondquarterof2023.AccordingtoStatista'sConsumerInsights,theshareofbankaccountholderswhoprocessedbankingmattersonPCorlaptopwas52percent,slightlyhigherthanthosewhoprocessedbankingmattersviamobile.Branchbankingwasalsoacommonmethod,with48percentoftherespondentsindicatingprocessingbankingmattersinperson.

ReadmoreNote(s):Italy;July4,2022toJune16,2023;1,911respondents;18-64years;bankaccountholdersSource(s):ConsumerInsightsCustomerattitudetowardpersonalfinancesinItalyin2ndquarter2023CustomerattitudetowardpersonalfinancesinItaly2023Shareofrespondents0%5%10%15%20%25%30%35%34%40%40%45%I'mwellinformedaboutmypersonalfinancialsituationI'mworriedaboutmyfinancialfutureIcouldimaginedealingwithmyfinancialtransactionsexclusivelyonline25%Icouldimaginedealingwithmyfinancialtransactionsexclusivelyviamysmartphone22%Iftheserviceisgood,I'mhappytopayforaccountadministrationandtransactionsNewfinancialtopics,suchascryptoandNFTs,fascinateme19%15%14%OnlinefinancialserviceshavemademeconfidentabouthandlingmyownfinancesIcouldsavealotofmoneyifItookadvicefromafinanceexpert10%IcouldimaginegettingallmyfinancialservicesfromatechcompanysuchasGoogleorApple7%33Description:MorethanathirdofallbankaccountholdersindicatedthattheyworriedabouttheirfinancialfutureinItalyinthesecondquarterof2023,accordingtoStatista'sConsumerInsights.InStatista'ssurvey,34percentoftherespondentsexpresseddoubtsabouttheirfinancialfuture.Atthesametime,40percentoftherespondentsfoundthemselveswellinformedabouttheirfinancialsituation.ReadmoreNote(s):Italy;July4,2022toJune16,2023;2,032respondents;18-64years;bankaccountholdersSource(s):ConsumerInsightsConsumerattitudestowardstraditionalandonlinebanksinItalyin2022ConsumeropinionsontraditionalandneobanksinItaly2022Shareofrespondentswhoagree05101520253035404544504955IprefertraditionalbanksbecausetheyofferbettercustomerserviceIprefertraditionalbanksbecauseIlikephysicallyvisitingthebranchandbeingadvisedbyprofessionals47Iwoulduseanonline/neobankbutworryabouthowtodepositcashintoitIwoulduseanonline/neobankbutdon'tfullytrustthemwithmypersonaldataIwoulduseanonline/neobankbutworryaboutmanagingfinancesonlineOnline/neobanksofferadvancedspendinganalyticstocontrolmyspendingOnline/neobankshaveabetterdigitaluserexperience42424040Preferbankingwithanonline/neobankovertraditionalbanksduetohigherfeesWithtraditionalbanksclosing,Imightswitchtoanonline/neobank374834Description:AlmosthalfoftherespondentsinItalywhotookpartinasurveyinApril2022saidtheyprefertraditionalbanksoveronlineb