Robinhood首席执行官Vlad Tenev近期在一次访谈中，阐述了该公司在进军银行业领域时，相较于传统大型银行所拥有的优势与劣势。他指出，大型银行在监管经验、全球规模和客户基础方面拥有显著优势，但其弊端在于技术更新缓慢、工程团队能力不足以及决策效率低下。Tenev强调，Robinhood凭借其优秀的人才、快速的响应能力和先进的技术，能够规避这些劣势，并有潜力成为一个综合性的金融服务平台，尽管目前其总资产规模与巨头银行相比仍有较大差距，但他对未来的增长充满信心，并提出能否在保持初创企业敏捷性的同时，获得规模化优势的挑战。

🟢 **Robinhood的敏捷性与技术优势**：Robinhood CEO Vlad Tenev认为，相较于大型银行，Robinhood在技术创新和快速响应方面具有明显优势。大型银行往往因技术更新缓慢、工程团队能力限制而难以快速适应市场变化，而Robinhood凭借其优秀的技术人才和敏捷的运营模式，能够更快地推出新产品和服务，满足用户不断变化的需求。

🏦 **传统银行的规模与监管优势**：Tenev承认，传统银行在规模、客户基础和监管经验方面拥有Robinhood难以比拟的优势。它们拥有庞大的客户群、全球化的运营网络以及处理复杂监管环境的丰富经验，这使得它们在金融服务领域拥有深厚的根基和强大的市场影响力。

🚀 **Robinhood的综合金融平台愿景**：Robinhood正积极拓展其服务范围，计划推出包括支票和储蓄账户在内的私人银行业务，并整合财富管理服务。Tenev设想Robinhood能够成为一个“综合性的金融平台”，吸引用户将直接存款等资金存入，并提供包括现金递送、国际转账和遗产规划等一系列增值服务，挑战传统银行的客户忠诚度。

❓ **规模与敏捷性的平衡挑战**：Tenev提出的核心挑战在于，Robinhood能否在追求规模化增长的同时，保持其作为一家科技初创公司的灵活和敏捷性。如何在快速扩张业务、积累客户和资产的同时，依然能够快速迭代产品、响应市场变化，将是Robinhood能否成功的关键。

Robinhood CEO Vlad Tenev laid out the advantages and disadvantages he has compared to big banks.He said he can move faster, but doesn't have the same scale or regulatory chops.Robinhood announced earlier this year that it will offer some private banking services by the fall.

There's a new kid on the banking block.

Robinhood announced earlier this year that it will offer banking services for premium members this fall, and CEO Vlad Tenev was asked about how his upcoming project will compete with long-standing finance companies, including JPMorgan and Mastercard, at the All-In Summit.

Robinhood's banking and wealth management service will provide "access to traditional checking and savings accounts with luxury benefits," according to a press release from March. The banking feature will include cash deliveries, international transfers, estate planning services, and whole-family accounts. Robinhood is not insured by the Federal Deposit Insurance Corporation, which protects deposits when banks fail.

"If you think about an incumbent, they have certain benefits," Tenev said on an All-In podcast episode of the conversation that aired September 15. "They're very muscular from a regulatory standpoint, like they know how to deal with regulators; they've got global scale; they've got tens, hundreds of millions of customers; lots of assets."

Robinhood has faced investigations from federal regulators in the past, and the Securities and Exchange Commission dropped its investigation into the company's crypto unit in February. Yet Tenev said smaller players like himself will also have certain advantages over the big banks in the near future.

"The disadvantage is that they're sometimes slow to adopt new technologies, they don't have the best engineering teams, they can't move very fast, they can't hire the best talent," he said. "We don't have those downsides. We have great talent, we move really quickly, we use the best technology."

Banks have worked to scale up their technology chops in recent years, all as the talent wars have reached a fever pitch.

Tenev said that as Robinhood has rolled out more features, like retirement accounts and a credit card, users put more money into the app.

"So then that gets to a future where we ask ourselves, can we be your comprehensive financial platform?" he said. He posed the hypothetical of putting your direct deposit and other funds into the platform.

Robinhood has $304 billion in total platform assets, according to its website, which Tenev said was "a drop in the bucket compared to what's going to happen." By comparison, JPMorgan, the largest American bank, had $4.6 trillion in assets as of its second-quarter earnings.

Robinhood's stock was up more than 189% year-to-date as of September 15.

As Tenev put it on All-In, "It's a question of, can we get the benefits of scale while also maintaining the nimbleness of a technology startup?"