冠状病毒后，数字化未来银行将成为世界上最好的银行

数字银行新贵Nubank是巴西评级最高的银行，击败传统银行寡头垄断。公司创始人兼首席执行官大卫?韦雷斯（David Velez）表示。“即使作为一家初创企业，我们也可以与大银行正面竞争。尤其疫情之后，突然之间你不需要数十亿美元来建立银行实体分行店面，也不需要花费数亿美元来从IBM购买大型机器，完全可以利用互联网在线获取客户。线上数字银行会从根本上降低成本，并增加更好的用户体验。” 2019年，这家银行的客户从600万激增至2000万，其估值目前也达到100亿美元。 数字银行在美国的评级也很高：Online-only Discover 和Capital One排名23和30，neobank Chime排名36。三家线上银行均击败了大型银行摩根大通（JPMorgan Chase）、和排名71的花旗银行。而其他四大银行，美国银行和富国银行，甚至没有进入前75名。

Digital upstart Nubank is the top-rated bank in Brazil, beating out an oligopoly of legacy banks on our list. “The penetration of the internet and the penetration of smartphones created a window of opportunity for us,” says founder and CEO David Velez. “Even as a startup we could compete head-to-head with the big banks. Suddenly, you didn't need billions of dollars to build bank branches and you didn't need hundreds of millions of dollars to buy mainframes from IBM. You could use the internet to acquire customers,” adds Velez, “It enables a model that has fundamentally lower costs and a better user experience.”Growth at Nubank, which operates throughout South America, has been staggering. In 2019, the lender saw its customers surge from 6 million to 20 million and its private valuation now stands at $10 billion.
Digital banks rated well in the United States as well. Online-only Discover and Capital One ranked #23 and #30, while neobank Chime ranked #36. All three beat out mega-lenders JPMorgan Chase, #36 and Citigroup #71. The other big four lenders, Bank of America and Wells Fargo, didn’t make the top-75.  source

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