美国的新银行市场评估:户头类型·用途·服务·各地区的机会及预测 (2018-2032年)

美国新银行市场规模预计将从 2024 年的 345.6 亿美元成长到 2032 年的 2,636.7 亿美元，预测期内的复合年增长率为 27.31%。

多种因素使得纯数位银行的概念更具吸引力和可行性，从而推动了该市场的成长。这包括降低费用和营运成本，使银行服务对许多人来说更实惠、更有吸引力。

新银行的本质是透过流畅的数位介面让您无需前往任何地方即可存取您的资金，从而提供便利性和可访问性。使用先进的技术实现快速开户，吸引了注重快速和省时的客户。数位化和金融包容性正在创造更广泛的市场机会，同时也满足了人们对精通技术和客製化银行体验不断变化的偏好。支持性的监管环境、严格的合规标准和新技术的快速采用使新银行能够安全且有效率地运作。智慧型手机和网路的广泛普及为新银行服务向全球每个人开放铺平了道路，进一步推动了该行业的成长。

新银行是指没有实体分行、完全在网路上运作的银行。这些数位优先银行透过其行动应用程式和网站提供传统金融服务，例如支票和储蓄帐户，且收费极低或不收取费用。透过利用数位技术，新银行能够提供快速开户、即时交易和无缝用户体验，满足现代数位时代对便利性和效率的需求。

本报告提供美国的新银行的市场调查，彙整市场定义和概要，市场规模的转变·预测，各种区分的详细分析，产业结构，影响市场成长因素的分析，案例研究，竞争情形，主要企业简介等资讯。

目录

第1章 计划的范围和定义

第2章 调查手法

第3章 摘要整理

第4章 客户的迴响

• 受访者的人口统计
• 品牌认知度
• 考虑的要素
• 服务概要

第5章 美国的新银行市场展望

• 市场规模的分析·预测
• 市场占有率的分析·预测
  • 户头各类型
    • 活期存款户头
    • 事业用户头
  • 各用途
    • 企业
    • 个人
    • 其他
  • 各类服务
    • 行动银行
    • 支付·汇款
    • 活期存款/活期存款户头
    • 贷款·保险
    • 投资
    • 其他
  • 各地区
    • 东北部
    • 中西部
    • 西部
    • 南部
  • 企业占有率分析(前五名公司以及其他)
• 市场地图分析

第6章 供需分析

第7章 价值链分析

第8章 波特的五力分析

第9章 大环境分析

第10章 利率分析

第11章 市场动态

• 推动市场要素
• 市场课题

第12章 市场趋势与发展

第13章 案例研究

第14章 竞争情形

• 前五名公司的竞争矩阵
• 前五名公司的SWOT分析
• 前十大企业的形势
  • Chime Financial Inc.
  • Acorns Grow Incorporated
  • Revolut Group Holdings Limited
  • Alliant Credit Union Corporation
  • Finco Services Inc. (Current)
  • Primis Financial Corporation
  • M1 Finance LLC
  • SoFi Technologies Inc.
  • Zeta Services Inc.
  • Axos Financial Inc.

第15章 策略性建议

第16章 关于本公司·免责声明

United States neobanking market is projected to witness a CAGR of 27.31% during the forecast period 2025-2032, growing from USD 34.56 billion in 2024 to USD 263.67 billion in 2032. Several factors are contributing towards making the concept of a digital-only bank more attractive and workable, hence driving the growth of the United States neobanking market, including reductions in fees and operational costs, making banking services more affordable and attractive to a wider audience.

The essence of neobanking is to provide smooth digital interfaces to provide access to their finances without hustling anywhere, providing ease of accessibility and convenience. The usage of high technology while opening an account speedily attracts customers in search of quick and less time-consuming banking services. The offering generates wider market opportunities due to digitalization and financial inclusion, while demanding shifts due to preferences for tech-savviness and customized banking experiences. With a supportive regulatory framework, strict standards of compliance, and the rapid acquisition of new technologies, neobanks can execute their functions securely and efficiently. Increased access to smartphones and the internet has laid a concrete foundation for neobanking services to reach everybody worldwide and continue growing in this field.

Neobanking refers to banks that operate exclusively online, without any physical branches. These digital-first banks offer traditional financial services, such as current and savings accounts, through mobile apps and websites, often with minimal or no fees. By leveraging digital technology, neobanks provide quick account openings, real-time transactions, and seamless user experience, addressing the increasing demand for convenient and efficient banking solutions in the modern digital age.

In January 2024, SoFi, the digital personal finance company, announced the expansion of a new small business marketplace inside the SoFi product experience. This new feature will allow SoFi to serve millions of American small business owners by connecting their financing needs to SoFi's network of providers.

Reduced Costs and Innovative Services to Boost Market Growth

Lower fees and customized and innovative services have powered the growth of neobanks in the financial services market. It has transformed the rules of competition and changed customer perceptions of banking. Probably the most powerful rationale for rapid neobank adoption is the ability to provide services cheaper than brick-and-mortar banks. With minimal physical infrastructure and concentrated digital services, neobanks are not burdened with the overhead of maintaining a physical branch network. This eventually saves the model for passing on savings to customers by offering low transaction fees, foreign exchanges, or account management fees. Serving customers seeking a more equal and open-minded route to financial services, its clientele went from tech-savvy millennials to small business owners tired of the traditional bank charges. Such a reduction of fees creates customer loyalty and better financial management for the customers themselves, thus making neobanks quite attractive as an alternative to conventional banking.

In May 2024, Alliant Credit Union introduced SBL Edge, its new lending platform that focuses on small balance commercial real estate borrowers in the multifamily, manufactured housing, and self-storage industries. SBL Edge was conceived and built by industry veterans with immense experience in commercial real estate lending. SBL Edge executes operational efficiencies and unleashes deep industry knowledge to deliver unparalleled service.

Neobanks generate revenue by charging for services such as overdraft protection, foreign currency transactions, ATM withdrawals, and wire transfers. They attract customers with high-interest savings accounts, investment options like mutual funds and ETFs, and cashback rewards for debit card purchases. Additionally, they partner with fintech companies to offer auxiliary services like insurance products.

In 2024, SoFi Technologies Inc.'s Loan Platform Business generated USD 63.2 million in fees and USD 2.1 billion in personal loan volume, with USD 1.1 billion of this volume for third parties in one quarter.

Integration of Advanced Technologies to Boost Market Growth

Advanced technological integration shapes the course of the United States neobanking market, which is expanding at a rapid rate since it can support improved operational efficiency and higher customer satisfaction. Indeed, neobanks are driving the shift by leveraging advanced technologies such as AI, machine learning, and blockchain to reshape traditional banking models. Thus, AI and machine learning help neobanks to provide really customized financial services, from tailored investment recommendations to fraud detection in real-time, aside from automating routine jobs and reducing human errors. It makes the entire banking experience more efficient, secure, and user-friendly. In February 2024, Revolut launched an advanced scam detection feature to protect customers against card scams. Revolut's brand-new AI-scam feature can help spot if a customer is being scammed, and hence break the spell of the scammer before they send their money to the criminal. Since testing was initiated, fraud losses from card scams at Revolut have fallen 30%, where money has been sent to take advantages of investment opportunities.

Furthermore, blockchain makes transactions more transparent and secure, further cutting costs due to intermediaries and, at the same time, increasing user trust. The nature of the technological changes is to smoothen banking operations and introduce new, innovative services that will meet the changing needs and preferences of customers. And as these technologies get further refined, they are likely to further distinguish neobanks from traditional financial institutions, bringing a diverse and technology-savvy customer base on board, and ensuring significant market growth in the digital age. Additionally, neo-banks are deploying robo-advisors for automated investment management, offering tailored financial planning tools to help customers achieve their financial goals.

Savings Account to Dominate the United States Neobanking Market

Savings accounts are predominant in the United States neobanking market. This can be identified as a reason for dominance from neobanks that can place their initial focus on personal users or consumers rather than businesses. The cost-effective and user-friendly features usually attract personal users. Neobanks usually encourage personal consumers with features related to high-yield savings, low fees, and hassle-free digital experience. These low fees and hassle-free features are increasingly driving the consumer's need for cost-effective and user-friendly banking solutions. Savings accounts are in high demand among neobank users due to the attractive interest rates, tiny maintenance fees, and ease of management with mobile applications. The features improve a host of common consumer pain points regarding traditional banking that charges exorbitant fees and provides limited access to digital tools. In September 2024, SoFi Technologies, Inc. announced that it now serves more than 10 million members across its products and services. In 2024, total members increased by nearly 2.5 million; these growing numbers will further enhance the dominance of savings accounts in this market.

While neobanks have increasingly added business accounts to their services, the latter naturally tends to be relatively smaller in comparison. Business accounts would relate to invoicing tools, expense management features, or business loans, which demand a different set of requirements and compliance standards altogether. But while neobanks are making strong headways toward catering to such needs in businesses, the market for personal savings accounts remains a more developed and widely adopted segment.

West Region to Dominate the United States Neobanking Market Share

Various key factors drive the leading position of the Western United States. West has major technology hubs, such as Silicon Valley, that drive innovation and early adoption of digital financial solutions, accelerating the adoption of neobanking services. Coupled with its advanced and enforced digital infrastructure, which guarantees seamless access to online banking, the region has become a haven for neobanks. Furthermore, the West places great emphasis on fintech, supported by enormous venture and technology company investments. The combination of such factors puts the West in a competitive position for the growth of neobanking market, setting trends and benchmarks for the remainder of the country, while fastening an already leading position in the market. In August 2024, Axos Bank is a nationwide subsidiary of Axos Financial Inc. and earned several class-leading spots in various USA TODAY Blueprint, Best Of lists, including the top spots for Best Checking Account, Best Business Bank Account, and Best Personal Loan.

Northeast region is turning out to be the main force in the United States neobanking market as the region is among the major financial centers, with innovations and venture capital investments in digital financial services flowing from cities such as New York. The Northeast indeed has a very high population density in the urban centers, hence offering a great market potential for neobanking solutions.

Future Market Scenario (2025 - 2032F)

As digital transformation reshapes the landscape for financial services, the neo-banking pace is expected to increase. Neobanks will extend their effort in fostering financial inclusion by continuing extensive services to the low-income and underbanked segments.

Advanced analytics intends neo-banks to offer bespoke financial products and proactive financial management tools, meeting customer needs in the forecast period.

Mergers and acquisitions (M&A) among fintech firms have become a strategic approach to strengthening market positions in the highly competitive financial industry. By combining resources, technologies, and customer bases, fintech companies can enhance their service offerings and expand their market reach.

Neo-banks are diversifying their offerings beyond traditional banking services by delving into wealth management, insurance, and investment products. They are incorporating cryptocurrency services, providing customers with more options for their financial portfolios.

Key Players Landscape and Outlook

Key players invest heavily in research and development to widen their portfolio of products and offerings in the growth of the neo-banking market. Since companies focus on research and development activities, they are therefore able to provide innovative new features that continue shaping the changing needs of consumers and manage the competitive advantage of companies.

Market players focus on strategic plans for expansion across various regions. These include new product development, partnering through contractual agreements, and merger and acquisition deals to expand their portfolio with new technologies and market opportunities. Further, additional investment in technology and infrastructure added to the points of scalability of operation improvement and better service delivery. Strategic partnerships between organizations and other fintech startups contribute to the innovation of ideas and expansion of services available. Put together, these activities underline a dynamic and fast-changing neobanking landscape with continuous innovation and global expansion.

In June 2024, Chime's has acquired Salt Labs, which will include Jason Lee and the team at Salt Labs, along with their offerings, joining Chime as part of this acquisition. The move allows Chime to further advance its mission of empowering people to achieve financial progress by adding top-tier enterprise capabilities and industry expertise.

Table of Contents

1. Project Scope and Definitions

2. Research Methodology

3. Executive Summary

4. Voice of Customer

• 4.1. Respondent Demographic
• 4.2. Brand Awareness
• 4.3. Factors Considered
• 4.4. Services Overview

5. United States Neobanking Market Outlook, 2018-2032F

• 5.1. Market Size Analysis & Forecast
  • 5.1.1. By Value
• 5.2. Market Share Analysis & Forecast
  • 5.2.1. By Account Type
    • 5.2.1.1. Savings Account
    • 5.2.1.2. Business Account
  • 5.2.2. By Application
    • 5.2.2.1. Enterprises
    • 5.2.2.2. Personal
    • 5.2.2.3. Others
  • 5.2.3. By Service
    • 5.2.3.1. Mobile Banking
    • 5.2.3.2. Payments and Money Transfer
    • 5.2.3.3. Checking/Savings Account
    • 5.2.3.4. Loans and Insurance
    • 5.2.3.5. Investments
    • 5.2.3.6. Others
  • 5.2.4. By Region
    • 5.2.4.1. Northeast
    • 5.2.4.2. Midwest
    • 5.2.4.3. West
    • 5.2.4.4. South
  • 5.2.5. By Company Market Share Analysis (Top 5 Companies and Others - By Value, 2024)
• 5.3. Market Map Analysis, 2024
  • 5.3.1. By Account Type
  • 5.3.2. By Application
  • 5.3.3. By Service
  • 5.3.4. By Region

6. Demand Supply Analysis

7. Value Chain Analysis

8. Porter's Five Forces Analysis

9. PESTLE Analysis

10. Interest Rate Analysis

11. Market Dynamics

• 11.1. Market Drivers
• 11.2. Market Challenges

12. Market Trends and Developments

13. Case Studies

14. Competitive Landscape

• 14.1. Competition Matrix of Top 5 Market Leaders
• 14.2. SWOT Analysis for Top 5 Players
• 14.3. Key Players Landscape for Top 10 Market Players
  • 14.3.1. Chime Financial Inc.
    • 14.3.1.1. Company Details
    • 14.3.1.2. Key Management Personnel
    • 14.3.1.3. Products and Services
    • 14.3.1.4. Financials (As Reported)
    • 14.3.1.5. Key Market Focus and Geographical Presence
    • 14.3.1.6. Recent Developments/Collaborations/Partnerships/Mergers and Acquisition
  • 14.3.2. Acorns Grow Incorporated
  • 14.3.3. Revolut Group Holdings Limited
  • 14.3.4. Alliant Credit Union Corporation
  • 14.3.5. Finco Services Inc. (Current)
  • 14.3.6. Primis Financial Corporation
  • 14.3.7. M1 Finance LLC
  • 14.3.8. SoFi Technologies Inc.
  • 14.3.9. Zeta Services Inc.
  • 14.3.10. Axos Financial Inc.

Companies mentioned above DO NOT hold any order as per market share and can be changed as per information available during research work.

15. Strategic Recommendations

16. About Us and Disclaimer

List of Tables

• Table 1. Competition Matrix of Top 5 Market Leaders
• Table 2. Mergers & Acquisitions/ Joint Ventures (If Applicable)
• Table 3. About Us - Regions and Countries Where We Have Executed Client Projects

List of Figures

• Figure 1. United States Neobanking Market, By Value, In USD Billion, 2018-2032F
• Figure 2. United States Neobanking Market Share (%), By Account Type, 2018-2032F
• Figure 3. United States Neobanking Market Share (%), By Application, 2018-2032F
• Figure 4. United States Neobanking Market Share (%), By Service, 2018-2032F
• Figure 5. United States Neobanking Market Share (%), By Region, 2018-2032F
• Figure 6. By Account Type Map-Market Size (USD Billion) & Growth Rate (%), 2024
• Figure 7. By Application Size Map-Market Size (USD Billion) & Growth Rate (%), 2024
• Figure 8. By Service Map-Market Size (USD Billion) & Growth Rate (%), 2024
• Figure 9. By Region Map-Market Size (USD Billion) & Growth Rate (%), 2024