Talk:Digital banking
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First Version
editI just published the first version, integrated from many sources. Reading it, I personally find my style a little bit too catchy, perhaps being taken away by those many business minded sources. I would appreciate your tweaks in text and verbage. Also feel free to add, enhance and correct inaccuracies. ScienceGuard (talk) 19:32, 9 May 2017 (UTC)
Merger proposal
editI propose to merge Digital banking into Neobank as it appears to be two different names for the same concept. Sargdub (talk) 10:03, 4 May 2019 (UTC)
I believe these should not be merged as the concepts are different. Neobanks are start-ups (e.g. Revolut, N26, Monzo) which are challenging the Banking industry. However, many of these only became proper banks recently (i.e. granted Banking license). They tend to be focused on User Experience and offering products at lower fees (e.g. FX) than traditional Banks. On the other hand, Digital Banking is the practice of Banking in the Digital world, something that incumbents (i.e. traditional banks) are focusing on.
- Digital Banking is an expression that is used in academia. Neobanks is not. So I disagree with this suggestion. ScienceGuard (talk) 14:14, 8 August 2019 (UTC)
Many Spam Entries
editThe article has been subject to many spam entries. People openly advertised their books in the text, or their product offerings. I deleted those entries. Please help to check whether the article is clean now. To recapitulate: I conceived the original wikipedia entry based on the publications by Kelman, locke, Ginovsky, Sharma and Dias et al. All these articles were retrieved on 9 May 2017. Some new entries like the texts be eveleth and Villaseca really add value. Others are really irritating. Let us keep the quality up. ScienceGuard (talk) 14:51, 8 August 2019 (UTC)
Digital banking is part of the broader context for the move to online banking, where banking services are delivered over the internet. The shift from traditional to digital banking has been gradual and remains ongoing, and is constituted by differing degrees of banking service digitization. Digital banking involves high levels of process automation and web-based services and may include APIs enabling cross-institutional service composition to deliver banking products and provide transactions. It provides the ability for users to access financial data through desktop, mobile and ATM services.[1]
editDigital banking is part of the broader context for the move to online banking, where banking services are delivered over the internet. The shift from traditional to digital banking has been gradual and remains ongoing, and is constituted by differing degrees of banking service digitization. Digital banking involves high levels of process automation and web-based services and may include APIs enabling cross-institutional service composition to deliver banking products and provide transactions. It provides the ability for users to access financial data through desktop, mobile and ATM services. 36.37.228.137 (talk) 15:01, 22 March 2023 (UTC)