همفکران فناوری شریف
1Introduction
Neobanks offer fully app-based banking with fast onboarding, transparent fees and simple UX.
2Discussion
They hold their own licence or run on a licensed partner; in Iran digital banks are mostly brands of existing banks.
Advantages: low operating cost, fast innovation and data-driven personalisation; challenges: profitability and trust for large deposits.
3Conclusion
Customer expectations are now set by digital experience.
Sources
همفکران فناوری شریفThis article summarises the official sources cited, prepared by the Hamfekran Fanavari Sharif team for finance leaders.
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