The main objective of this paper is to determine the impact of the COVID-19 pandemic on the operations of digital-only banks. In order to achieve the main objective, two methods have been used. The first method is a strategic analysis, and the second method is a financial analysis of the digital-only banks covering two periods, that is, before the emergence of the COVID-19 pandemic (2018–2019) and during the coronavirus pandemic (2020). The strategic analysis of digital-only banks has shown that they have many weaknesses, as well as the fact that they face numerous threats, which are due to the age of fintech banks and competition from traditional banks creating and developing mobile and Internet banking. Preliminary analyses conducted for digital-only banks indicate that most of them generated losses, and these losses were already at the operating level. The return on assets and return on equity ratios showed a slight improvement in 2020, and in most cases the interest income generated was higher than the interest expenses.

本文的主要目的是确定 COVID-19 大流行对纯数字银行运营的影响。为了实现主要目标，使用了两种方法。第一种方法是战略分析，第二种方法是对纯数字银行的财务分析，涵盖两个时期，即 COVID-19 大流行之前（2018-2019 年）和冠状病毒大流行期间（2020 年） ）。对纯数字银行的战略分析表明，它们有许多弱点，也面临着许多威胁，这是由于金融科技银行的时代以及来自创建和发展移动和互联网银行的传统银行的竞争。对纯数字银行进行的初步分析表明，它们中的大多数都产生了损失，这些损失已经处于运营水平。2020年资产收益率和股本收益率略有改善，多数情况下产生的利息收入高于利息支出。