Online banking usage for Bunq customers in the Netherlands 2017

In 2017, most Dutch customers of Amsterdam-based online bank Bunq used its app less than once per month. Why the app of the Fintech startup wasn’t used that often was likely due to the high number of competing domestic banks in the Netherlands with online banking services. 22 percent of ING customers in the Netherlands for example said they used its smartphone application daily.The Dutch adopted mobile banking early There are no exact numbers on how many people that uses an online banking app. There is no source in the Netherlands which collects these numbers, and Dutch banks (who do not have to share user information publicly) often do not mention user numbers in their press releases. However, what is clear from a 2016 survey, is that Dutch consumers were more likely than their Belgian or Luxembourgish counterparts to answer that they already used a smartphone or tablet for their banking needs. Bunq is a relatively new player in the online banking market Bunq was founded in 2015 and is a mobile start-up with a banking license in the Netherlands. It uses an app which connects online banking with social activities as can be found in an application like WhatsApp. The app first connects itself to the contact list on one's mobile phone. Then, after depositing money from your bank account on the account of Bunq, it is possible to send payment requests to your contacts, to "app" them money or to make special chat groups. The company received 104.4 million euros worth of customer deposits in 2017 and made a net loss of nine million euros.

2017年，阿姆斯特丹在线银行Bunq的大多数荷兰客户每月使用其应用程序的次数不足一次。Fintech初创企业Bunq的应用程序使用频率不高，其可能性主要归因于荷兰国内拥有众多提供在线银行服务的竞争性银行。例如，22%的荷兰ING客户表示他们每天使用其智能手机应用程序。荷兰人较早接受了移动银行，关于使用在线银行应用程序的人数，尚无确切数据。在荷兰，没有收集这些数据的来源，而且荷兰银行（无需公开分享用户信息）通常在其新闻稿中不提及用户数量。然而，从2016年的调查中可以明确看出，与比利时或卢森堡的消费者相比，荷兰消费者更有可能表示他们已经使用智能手机或平板电脑来满足他们的银行需求。Bunq是在线银行市场中的相对新参与者，成立于2015年，是一家在荷兰拥有银行执照的移动初创企业。该应用程序通过一个连接在线银行与社交活动的应用（如WhatsApp）实现这一功能。首先，应用程序会连接到用户的手机联系人列表。然后，在将银行账户中的资金存入Bunq账户后，用户可以向联系人发送付款请求，向他们“应用”金钱或创建特殊的聊天群组。2017年，该公司收到了价值1.044亿欧元的客户存款，并实现了九百万欧元的净亏损。