{"?xml":{"@version":"1.0"},"edm:RDF":{"@xmlns:dc":"http://purl.org/dc/elements/1.1/","@xmlns:edm":"http://www.europeana.eu/schemas/edm/","@xmlns:wgs84_pos":"http://www.w3.org/2003/01/geo/wgs84_pos","@xmlns:foaf":"http://xmlns.com/foaf/0.1/","@xmlns:rdaGr2":"http://rdvocab.info/ElementsGr2","@xmlns:oai":"http://www.openarchives.org/OAI/2.0/","@xmlns:owl":"http://www.w3.org/2002/07/owl#","@xmlns:rdf":"http://www.w3.org/1999/02/22-rdf-syntax-ns#","@xmlns:ore":"http://www.openarchives.org/ore/terms/","@xmlns:skos":"http://www.w3.org/2004/02/skos/core#","@xmlns:dcterms":"http://purl.org/dc/terms/","edm:WebResource":[{"@rdf:about":"http://www.dlib.si/stream/URN:NBN:SI:doc-BSAOZBC3/c920c9a5-59ef-44c6-86d4-ee42e3770122/PDF","dcterms:extent":"341 KB"},{"@rdf:about":"http://www.dlib.si/stream/URN:NBN:SI:doc-BSAOZBC3/9670277a-8834-4a66-8afe-33159e005cea/TEXT","dcterms:extent":"0 KB"}],"edm:TimeSpan":{"@rdf:about":"2009-2025","edm:begin":{"@xml:lang":"en","#text":"2009"},"edm:end":{"@xml:lang":"en","#text":"2025"}},"edm:ProvidedCHO":{"@rdf:about":"URN:NBN:SI:doc-BSAOZBC3","dcterms:isPartOf":[{"@rdf:resource":"https://www.dlib.si/details/URN:NBN:SI:SPR-MX6W7YD8"},{"@xml:lang":"sl","#text":"Mednarodno inovativno poslovanje"}],"dcterms:issued":"2023","dc:creator":["Amon, Aleksandra","Jagrič, Timotej"],"dc:format":[{"@xml:lang":"sl","#text":"številka:1"},{"@xml:lang":"sl","#text":"12 str."},{"@xml:lang":"sl","#text":"letnik:15"}],"dc:identifier":["DOI:10.32015/JIBM.2023.15.1.1","COBISSID_HOST:158771459","ISSN:1855-6175","URN:URN:NBN:SI:doc-BSAOZBC3"],"dc:language":"en","dc:publisher":{"@xml:lang":"sl","#text":"Doba Epis"},"dc:subject":[{"@xml:lang":"sl","#text":"bančništvo"},{"@xml:lang":"sl","#text":"Banke in bančništvo"},{"@xml:lang":"en","#text":"banking"},{"@xml:lang":"sl","#text":"dejavniki nastanka"},{"@xml:lang":"en","#text":"factors of occurrence"},{"@xml:lang":"sl","#text":"fintech"},{"@xml:lang":"sl","#text":"neobanke"},{"@xml:lang":"en","#text":"neobanks"}],"dcterms:temporal":{"@rdf:resource":"2009-2025"},"dc:title":{"@xml:lang":"sl","#text":"Key factors of neobanking’s occurrence| Ključni dejavniki pojavnosti neobank|"},"dc:description":[{"@xml:lang":"sl","#text":"Neobanks, exclusively digital fintech-based banks are swiftly becoming a significant player in the financial markets. They bloomed rapidly and continue to develop swiftly, while there is little known about determinants of their establishment and performance. Purpose of this research is to find key factors determining occurrence of neobanks in selected 43 countries. We use random-effects model to analyse 13 financial, economic, and cultural–geographical factors. We find number of ATMs, S&P500 and rural population tobe significant factors in occurrence of neobanks in selected countries. Our study presents first insight in factors of demand for neobanks and thus, first step in understanding demand for this new banking business model"},{"@xml:lang":"sl","#text":"Neobanke, izključno digitalne fintech banke, hitro postajajo pomembni igralci na finančnih trgih. Razvile so se sunkovito in se še naprej hitro razvijajo, medtem ko je malo znanega o dejavnikih njihove pojavnosti in uspešnosti. Namen te raziskave je najti ključne dejavnike, ki determinirajo pojavnost neobank v izbranih 43 državah. Z modelom naključnih učinkov analiziramo 13 finančnih, gospodarskih in kulturno-geografskih dejavnikov. Ugotavljamo, da so število bankomatov, S&P500 in podeželsko prebivalstvo pomembni dejavniki pri pojavu neobank v izbranih državah. Naša študija predstavlja prvi vpogled v dejavnike povpraševanja po neobankah in s tem prvi korak k razumevanju povpraševanja po tem novem bančnem poslovnem modelu"}],"edm:type":"TEXT","dc:type":[{"@xml:lang":"sl","#text":"znanstveno časopisje"},{"@xml:lang":"en","#text":"journals"},{"@rdf:resource":"http://www.wikidata.org/entity/Q361785"}]},"ore:Aggregation":{"@rdf:about":"http://www.dlib.si/?URN=URN:NBN:SI:doc-BSAOZBC3","edm:aggregatedCHO":{"@rdf:resource":"URN:NBN:SI:doc-BSAOZBC3"},"edm:isShownBy":{"@rdf:resource":"http://www.dlib.si/stream/URN:NBN:SI:doc-BSAOZBC3/c920c9a5-59ef-44c6-86d4-ee42e3770122/PDF"},"edm:rights":{"@rdf:resource":"http://creativecommons.org/licenses/by-nc/4.0/"},"edm:provider":"Slovenian National E-content Aggregator","edm:intermediateProvider":{"@xml:lang":"en","#text":"National and University Library of Slovenia"},"edm:dataProvider":{"@xml:lang":"sl","#text":"DOBA Fakulteta za uporabne poslovne in družbene študije Maribor"},"edm:object":{"@rdf:resource":"http://www.dlib.si/streamdb/URN:NBN:SI:doc-BSAOZBC3/maxi/edm"},"edm:isShownAt":{"@rdf:resource":"http://www.dlib.si/details/URN:NBN:SI:doc-BSAOZBC3"}}}}