세계의 디지털 뱅킹 시장 예측(-2032년) : 유형별, 서비스별, 배포별, 거래 유형별, 기술별, 지역별 분석

According to Stratistics MRC, the Global Digital Banking Market is accounted for $11.91 trillion in 2025 and is expected to reach $22.20 trillion by 2032 growing at a CAGR of 9.3% during the forecast period. Digital banking provides financial services through online and mobile platforms, enabling customers to manage accounts, transfer funds, apply for loans and access investment products without visiting physical branches. These banks offer seamless, user-friendly interfaces, automated customer service, and real-time transactions. Digital banking enhances financial inclusion, lowers operational costs, and improves accessibility. Fintech innovations, regulatory support, and changing consumer expectations accelerate market growth. Features such as biometric authentication, AI-driven insights, and open banking APIs empower consumers with enhanced security, personalized services, and efficient money management in a highly competitive digital finance landscape.

Market Dynamics:

Driver:

Increasing demand for low-cost investment solutions

Consumers increasingly prefer digital platforms that offer cost-effective investment alternatives compared to traditional financial services, which are often expensive due to higher management fees and intermediary charges. Digital banking solutions facilitate direct access to investment products such as robo-advisors and automated portfolio management, reducing reliance on human advisors. Moreover, the rise of tech-savvy millennials seeking efficient, affordable solutions accelerates this trend. Additionally, the ease of access through mobile apps and web platforms contributes to customer adoption.

Restraint:

Lack of human financial advice appeal

While digital platforms excel in automating transactions and basic financial services, many consumers, particularly high-net-worth individuals, still value expert advice tailored to their unique financial goals. The absence of face-to-face interaction and nuanced judgment in complex financial decision-making reduces customer trust and satisfaction. Moreover, algorithm-driven recommendations may fail to account for personal circumstances, leading to reluctance among conservative investors. Additionally, concerns about technological reliability and data security further impede adoption.

Opportunity:

Integration with digital banking platforms

By incorporating services such as artificial intelligence-driven analytics, blockchain for secure transactions, and open banking APIs, financial institutions can enhance customer experience, operational efficiency, and service personalization. Additionally, these integrations enable banks to offer a broader range of financial products under a unified digital umbrella, increasing cross-selling opportunities. Moreover, partnerships with fintech startups allow established banks to accelerate digital transformation and meet evolving customer expectations. The convergence of technology and banking not only facilitates seamless transactions but also opens pathways for innovative financial solutions, promoting market growth.

Threat:

Competition from traditional wealth managers

Despite technological advances, traditional wealth managers offer bespoke financial advice, relationship-driven interactions, and in-depth market insights, which digital solutions often lack. Moreover, established wealth management firms have longstanding customer relationships and brand credibility, making them preferred by conservative investors. Additionally, digital-only banks face regulatory challenges and high costs for customer acquisition compared to legacy institutions with established networks. The competitive landscape intensifies as traditional players also adopt digital strategies, blending personal advisory services with technological convenience, thereby limiting the digital banking market's disruptive potential.

Covid-19 Impact:

The COVID-19 pandemic accelerated digital banking adoption as lockdowns and social distancing measures restricted physical branch visits. Consumers and businesses turned to online and mobile banking platforms for transactions, loan applications, and investment management. This rapid shift highlighted the convenience, speed, and accessibility of digital solutions, boosting their market acceptance. Additionally, banks fast-tracked digital innovations to meet surging demand. However, the pandemic also exposed cybersecurity vulnerabilities, prompting stricter regulatory measures. Moreover, economic uncertainty led to cautious consumer behavior, reducing high-risk financial activities. Despite challenges, the crisis underscored digital banking's critical role in ensuring business continuity and customer engagement during unprecedented disruptions.

The retail digital banking segment is expected to be the largest during the forecast period

The retail digital banking segment is expected to account for the largest market share during the forecast period, driven by increased smartphone penetration, growing internet accessibility, and changing consumer behavior toward online financial management. Consumers now prefer seamless, on-demand access to banking services, including savings accounts, personal loans, payments, and investment options. Moreover, the COVID-19 pandemic significantly accelerated the shift toward digital channels as physical branch visits declined. Additionally, innovative offerings such as budgeting tools, real-time notifications, and automated payments enhance customer convenience, promoting adoption.

The cloud-based segment is expected to have the highest CAGR during the forecast period

Over the forecast period, the cloud-based banks segment is predicted to witness the highest growth rate, reflecting a growing shift toward cloud technology adoption. Financial institutions increasingly migrate to cloud infrastructure to benefit from scalability, cost-efficiency, and advanced data analytics capabilities. Moreover, cloud-based solutions enable rapid deployment of innovative services and improve system resilience. Additionally, these solutions support regulatory compliance by providing robust security frameworks and real-time data monitoring. The ability to handle large volumes of transactions securely and flexibly positions cloud-based banking as an attractive proposition for both established banks and fintech disruptors.

Region with largest share:

During the forecast period, the North America region is expected to hold the largest market share, driven by advanced technological infrastructure, high smartphone penetration, and early adoption of digital financial solutions. Additionally, the presence of key industry players and strong fintech ecosystems further accelerates market expansion. Moreover, stringent regulatory frameworks ensure secure and compliant digital banking operations, instilling customer confidence. The region's significant investment in research and development fosters continuous innovation, enhancing product offerings. Furthermore, consumer demand for convenience and digital transformation post-COVID-19 has surged, solidifying North America's leadership position in the global digital banking market.

Region with highest CAGR:

Over the forecast period, the Asia Pacific region is anticipated to exhibit the highest CAGR due to rapid digitalization, expanding internet and mobile connectivity, and increasing financial inclusion initiatives. The large, underserved population in emerging economies presents significant growth opportunities. Moreover, government policies promoting digital finance adoption and favorable regulatory frameworks stimulate market development. Additionally, the rise of fintech startups focusing on mobile-first strategies accelerates innovation and customer acquisition. Increased smartphone penetration and a growing middle-class population further drive demand for accessible, low-cost digital banking services.

Key players in the market

Some of the key players in Digital Banking Market include Fiserv, Temenos, Finastra, Infosys, Backbase, nCino, Oracle, SAP, Tata Consultancy Services, Mambu, Sopra Banking Software, Alkami Technology, Q2 Holdings, Crealogix, ebankIT, Revolut, Nubank, SoFi, and Chime.

Key Developments:

In May 2025, Infosys extended strategic collaboration with DNB Bank ASA (Norway's largest bank) to accelerate digital transformation, leveraging Infosys' services and the Infosys Finacle platform to modernize IT infrastructure, improve resilience, and deliver enhanced customer experiences.

In May 2025, nCino unveiled transformative AI-powered banking solutions at nSight 2025, releasing key platform enhancements to help banks, credit unions, and IMBs gain competitive advantage through intelligence-driven automation.

In April 2025, Fiserv partnered with Vanquis Bank to support their technology transformation, making Vanquis the first bank to select Fiserv's next-generation processing platform Vision Next(TM), an end-to-end cloud-native solution that enables banks to accelerate digital transformation.

Types Covered:

• Retail Digital Banking
• Corporate Digital Banking
• Neobanking / Challenger Banks

Services:

• Payment Services
• Lending Services
• Wealth Management & Investment Services
• Account Management & Core Banking Services
• Other Services

Deployments Covered:

• Cloud-Based
• On-Premise

Transaction Types Covered:

• Peer-to-Peer (P2P)
• Business-to-Business (B2B)
• Business-to-Consumer (B2C)

Technologies Covered:

• Artificial Intelligence (AI) & Machine Learning (ML)
• Blockchain Technology
• Cloud Computing
• Big Data & Analytics
• Internet of Things (IoT) Integration
• Mobile Banking Platforms
• Cybersecurity & Fraud Detection Solutions

Regions Covered:

• North America
  • US
  • Canada
  • Mexico
• Europe
  • Germany
  • UK
  • Italy
  • France
  • Spain
  • Rest of Europe
• Asia Pacific
  • Japan
  • China
  • India
  • Australia
  • New Zealand
  • South Korea
  • Rest of Asia Pacific
• South America
  • Argentina
  • Brazil
  • Chile
  • Rest of South America
• Middle East & Africa
  • Saudi Arabia
  • UAE
  • Qatar
  • South Africa
  • Rest of Middle East & Africa

What our report offers:

• Market share assessments for the regional and country-level segments
• Strategic recommendations for the new entrants
• Covers Market data for the years 2024, 2025, 2026, 2028, and 2032
• Market Trends (Drivers, Constraints, Opportunities, Threats, Challenges, Investment Opportunities, and recommendations)
• Strategic recommendations in key business segments based on the market estimations
• Competitive landscaping mapping the key common trends
• Company profiling with detailed strategies, financials, and recent developments
• Supply chain trends mapping the latest technological advancements

Free Customization Offerings:

All the customers of this report will be entitled to receive one of the following free customization options:

• Company Profiling
  • Comprehensive profiling of additional market players (up to 3)
  • SWOT Analysis of key players (up to 3)
• Regional Segmentation
  • Market estimations, Forecasts and CAGR of any prominent country as per the client's interest (Note: Depends on feasibility check)
• Competitive Benchmarking
  • Benchmarking of key players based on product portfolio, geographical presence, and strategic alliances

Table of Contents

1 Executive Summary

2 Preface

• 2.1 Abstract
• 2.2 Stake Holders
• 2.3 Research Scope
• 2.4 Research Methodology
  • 2.4.1 Data Mining
  • 2.4.2 Data Analysis
  • 2.4.3 Data Validation
  • 2.4.4 Research Approach
• 2.5 Research Sources
  • 2.5.1 Primary Research Sources
  • 2.5.2 Secondary Research Sources
  • 2.5.3 Assumptions

3 Market Trend Analysis

• 3.1 Introduction
• 3.2 Drivers
• 3.3 Restraints
• 3.4 Opportunities
• 3.5 Threats
• 3.6 Technology Analysis
• 3.7 Emerging Markets
• 3.8 Impact of Covid-19

4 Porters Five Force Analysis

• 4.1 Bargaining power of suppliers
• 4.2 Bargaining power of buyers
• 4.3 Threat of substitutes
• 4.4 Threat of new entrants
• 4.5 Competitive rivalry

5 Global Digital Banking Market, By Type

• 5.1 Introduction
• 5.2 Retail Digital Banking
• 5.3 Corporate Digital Banking
• 5.4 Neobanking / Challenger Banks

6 Global Digital Banking Market, By Service

• 6.1 Introduction
• 6.2 Payment Services
• 6.3 Lending Services
• 6.4 Wealth Management & Investment Services
• 6.5 Account Management & Core Banking Services
• 6.6 Other Services

7 Global Digital Banking Market, By Deployment

• 7.1 Introduction
• 7.2 Cloud-Based
• 7.3 On-Premise

8 Global Digital Banking Market, By Transaction Type

• 8.1 Introduction
• 8.2 Peer-to-Peer (P2P)
• 8.3 Business-to-Business (B2B)
• 8.4 Business-to-Consumer (B2C)

9 Global Digital Banking Market, By Technology

• 9.1 Introduction
• 9.2 Artificial Intelligence (AI) & Machine Learning (ML)
• 9.3 Blockchain Technology
• 9.4 Cloud Computing
• 9.5 Big Data & Analytics
• 9.6 Internet of Things (IoT) Integration
• 9.7 Mobile Banking Platforms
• 9.8 Cybersecurity & Fraud Detection Solutions

10 Global Digital Banking Market, By Geography

• 10.1 Introduction
• 10.2 North America
  • 10.2.1 US
  • 10.2.2 Canada
  • 10.2.3 Mexico
• 10.3 Europe
  • 10.3.1 Germany
  • 10.3.2 UK
  • 10.3.3 Italy
  • 10.3.4 France
  • 10.3.5 Spain
  • 10.3.6 Rest of Europe
• 10.4 Asia Pacific
  • 10.4.1 Japan
  • 10.4.2 China
  • 10.4.3 India
  • 10.4.4 Australia
  • 10.4.5 New Zealand
  • 10.4.6 South Korea
  • 10.4.7 Rest of Asia Pacific
• 10.5 South America
  • 10.5.1 Argentina
  • 10.5.2 Brazil
  • 10.5.3 Chile
  • 10.5.4 Rest of South America
• 10.6 Middle East & Africa
  • 10.6.1 Saudi Arabia
  • 10.6.2 UAE
  • 10.6.3 Qatar
  • 10.6.4 South Africa
  • 10.6.5 Rest of Middle East & Africa

11 Key Developments

• 11.1 Agreements, Partnerships, Collaborations and Joint Ventures
• 11.2 Acquisitions & Mergers
• 11.3 New Product Launch
• 11.4 Expansions
• 11.5 Other Key Strategies

12 Company Profiling

• 12.1 Fiserv
• 12.2 Temenos
• 12.3 Finastra
• 12.4 Infosys
• 12.5 Backbase
• 12.6 nCino
• 12.7 Oracle
• 12.8 SAP
• 12.9 Tata Consultancy Services
• 12.10 Mambu
• 12.11 Sopra Banking Software
• 12.12 Alkami Technology
• 12.13 Q2 Holdings
• 12.14 Crealogix
• 12.15 ebankIT
• 12.16 Revolut
• 12.17 Nubank
• 12.18 SoFi
• 12.19 Chime