• Neobanks and Covid19

    Performance of Challenger Banks during Covid19

  • What Different Cultures Do Most And Least In Mobile Messaging Apps

Dieses Dossier ist in sechs Teile gegliedert:

  1. Aktuelle Gesamtlage zu Open Banking APIs in der Schweiz
  2. Erklärung des Ursprungs aus der EU
  3. Initianten-Gremien in der Schweiz
  4. Chronologie der ersten Open-Banking-Projekten in der Schweiz
  5. Rechtliche Situation
  6. Schwierigkeiten betreffend Open-Banking
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Major trends in Neobanking at beginning of 2021:

  • The global neobank market 2020: From 100 to 300 neobanks in 3 years (2017 to 2020). Makes a new neobank every week.
  • US-based neobank Chime tops the global valuation list with a price-tag of $14.5bn, while Brazil’s Nubank tops the leaderboard for the most customers, claiming to have 30m users.
  • 2021 will potentially be the first neobank IPO year, starting with South Corea’s Kakao Bank that has attracted $2.5bn in investment to date.
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Die aktuellsten Studien und Resultate

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Welcome to the site of messaging! If you are a Product Manager for a messaging tool or are just very much interested in mobile messaging, then you should read my master thesis about messaging (global user behaviour and new technologies in mobile messaging). Just drop me an email, and I will send you my thesis for free.

mhaenni at hotmail dot com.

 

Please participate in this international survey: ‘What would be the ideal messenger for you?’. The findings (activitiy and preference rankings) will be shared with participants.

Where is currently the hightest growth potential in mobile messaging apps?
In all messaging app segments is still high growth evident. Beside the Top10 players, special interest messaging solutions which focus on end-to-end messaging encryption and privacy features are currently strongly gaining new users. Solutions like threema.com (secure) or franklychat.com (privacy) are examples for this newest market development.

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It is happening like the economics books stimpulate: After a cycle of (user) hypergrowth follows a cycle of acquisitions and consolidation. With this acquisition on 19th February 2014, Mark Zuckerberg ultimately made sure about 3 things: 1) there won’t be any new ‘Facebook’ from a competitor in the near future, 2) his empire will be a strong player in the increasingly growing global mCommerce and 3) his empire will still exist within the next 8 years. – Consider WhatsApp, a clear threat to Facebook, just needed 4.5 years to come to this point. Another 2 years and WhatsApp would have 1B users. When new technologies and platforms (mobile) evolve, things can happen disruptingly fast.

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In the past 6 months, WhatsApp and Line have been growing fastest – WhatsApp with 25M monthly active user per month (MAU), and LINE with 25M registered users per month. Read the messaging app essentials 2013/14 incl. the 6 segmentation models for messaging apps in below summary, which is partly the result of my messaging consumer research. More facts to follow soon.

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