Financial Revolution

Are neobanks profitable? Revolut, Monzo, Starling, Nubank and Chime results compared, why some closed, and how to check a profit claim.

How to value a neobank: market multiples, unit economics, cohort analysis and DCF, neobank-specific adjustments and a worked example.

What does a neobank do? Everyday accounts, cards, savings tools and credit features in an app, how it earns money and what it does not do.

Neobank vs direct bank explained: who holds the licence and deposits, insurance, features, fees and support, plus a simple way to choose.

Are neobanks FDIC insured? Only via an insured partner bank or their own charter. How pass-through cover works, the limits and how to check.

Are neobanks safe? What decides it: licence, deposit protection, fraud controls and access, plus the Synapse lessons and a checklist.

How many neobanks are there in the world? Sourced counts from 60 to 380, why trackers disagree, and how to quote a number you can defend.