数字银行2家已面市3家蓄势待发 大马银行业将迎大变革？一起了解优劣势！
▌热点短视频 ▌GX Bank和AEON Bank正式加入大马数字银行战围，未来还有3家蓄势待发！数字银行的诞生，会对大马银行业带来大变革吗？
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#GXBank #AEONBank #BOOSTBank
#数字银行 #传统银行 #DigitalBank
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主持 | @Jazkee 界錤
#GXBank #AEONBank #BOOSTBank
#数字银行 #传统银行 #DigitalBank
#发射热点 #84hotspot #热点短视频
更多新闻资讯看这里 ▹ https://xuan.com.my/hotspot
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NewsTranscript
00:00There is another digital bank in China, which is getting more and more popular.
00:03After GGS Bank took the lead at the end of last year and launched its market,
00:07Aon Bank has now become the first domestic digital bank in Iceland.
00:11Then there is Bush Digital Bank, which cooperates with Bush Stock and RSV Bank.
00:16It is expected to join the battlefield in the second quarter of this year.
00:19And digital banks, which are thought to subvert banking business and change the rules of the game,
00:24have you already got on the train?
00:26Will these digital banks be more convenient than traditional banks?
00:30GGS Bank and Aon Bank, which are already in operation,
00:34did send out a lot of discounts when they were launched.
00:37For example, they gave out a relatively favorable deposit rate
00:40and can accumulate higher points and cashback in specific platforms or store consumption.
00:45I don't know if these have successfully attracted you to join the game.
00:48Welcome to share your experience.
00:50If the birth of a digital bank is in line with the era when everything can be done online,
00:54will it replace traditional banks?
00:57What is the difference between digital banks and traditional banks?
01:01The biggest difference between the two is that digital banks do not have a physical branch.
01:05In addition to the fact that traditional banks such as deposits, transfer payments, and bills can do this,
01:11digital banks do not even need to apply for a loan, open an account, apply for a bank card, and so on.
01:15Digital banks only need a mobile phone or a computer to get it done.
01:19You don't need to step into a traditional bank, press a number, line up, and so on.
01:23The advantages of digital banks also include these.
01:30Here is another question.
01:32The main target group of digital banks are those who find it difficult to open an account in a traditional bank,
01:37such as workers who work part-time and low-income groups,
01:41and small and medium-sized enterprises that are thought to be loans from traditional banks.
01:45Digital banks fill this gap in financial services.
01:49Speaking of which, what everyone cares about most is my blood and money.
01:52Is it safe to be in a digital bank?
01:55As long as you get national bank approval and get a digital bank license,
01:58you are naturally safe.
02:00Don't worry.
02:01At present, Aon Bank and GS Bank are also listed in the list of PIDM, a large Chinese deposit insurance organization.
02:07It is guaranteed.
02:08But digital banks still have some disadvantages.
02:15In terms of feeling, the way digital banks operate
02:18At this stage, it seems that it will be easier to attract young people who are willing to try.
02:22As for digital banks and financial services in this new era,
02:25will they eat up traditional banks directly in the future?
02:28According to reports, it will intensify the competition between banks.
02:32It may cause further pressure on NIM, a near-interest bank.
02:37An investment bank analyst used the trend of China and South Korea as an example.
02:42Digital banks will not become the main threat to traditional banks.
02:45It can be integrated with traditional banks.
02:48At present, digital banks have a long way to go to make a profit.
02:53Traditional banks originally had more funds and budget space to spend and innovate.
02:58It won't be so easy to be overthrown.
03:00By the way,
03:01in addition to the two digital banks we mentioned at the beginning of the news,
03:06there is also a boost bank that is in line.
03:08China sent a total of five digital bank photos in 2022.
03:13The other two are owned by Donghai Group, a shopping mall company,
03:16and Yang Zongli Digital Capital Company,
03:18and KF Investment Bank.
03:22But we haven't heard any more news yet.
03:25In addition to RSV Bank, which has invested in domestic digital banks,
03:29CIMB Bank is the first digital bank to run ahead in the Philippines as early as 2019.
03:36The wave of digital banks has come.
03:39Will you follow the trend with me?
03:41What are the key factors that drive you to use digital banks?
03:45Welcome to share your opinions.
03:47I hope this video will help you understand what a digital bank is.
03:51If it helps you, please share it with your friends.
03:54Remember to like, share, and subscribe to Hotsearch
03:56to let you know more about the big and small things in China.