数位银行市场规模、份额和成长分析（按组件、部署类型、银行类型、银行模式、最终用户和地区）- 产业预测 2025-2032

2023 年全球数位银行市场规模价值 105.3 亿美元，预计将从 2024 年的 119.2 亿美元成长到 2032 年的 321.4 亿美元，预测期内（2025-2032 年）的复合年增长率为 13.2%。

由于提供付款、投资、保险、贷款和资产管理等广泛金融服务的金融科技公司不断增多，全球数位银行市场预计将加速成长。精通科技的消费者更喜欢这些平台，因为它们提供无缝的用户体验，鼓励银行与金融科技和第三方应用程式合作。此次合作使客户能够更好地控制自己的财务，同时优化银行基础设施，而无需进行重大的系统维修。 WhatsApp Pay 和 PhonePe 等即时付款服务的激增进一步增加了对强大银行基础设施的需求。特别是，Visa 以 53 亿美元收购 Plaid 凸显了云端基础方案在数位银行中日益增长的重要性。预计到 2022 年，将有超过 1.97 亿美国使用数位银行，北美仍然是关键的成长地区。

目录

介绍

• 调查目的
• 研究范围
• 定义

调查方法

• 资讯采购
• 次要和主要资料方法
• 市场规模预测
• 市场假设与限制

执行摘要

• 全球市场展望
• 供需趋势分析
• 细分机会分析

市场动态及展望

• 市场概况
• 市场规模
• 市场动态
  • 驱动因素和机会
  • 限制与挑战
• 波特的分析

主要市场考察

• 关键成功因素
• 竞争程度
• 主要投资机会
• 市场生态系统
• 市场吸引力指数（2024 年）
• PESTEL 分析
• 总体经济指标
• 价值链分析
• 定价分析

数位银行市场规模按组成部分

• 市场概况
• 平台
• 服务
• 专业服务
  • 咨询
  • 执行
  • 支援和维护
• 託管服务
• 交易服务
  • 现金存取
  • 资金转帐
  • 自动提款/自动存款服务
  • 贷款
• 非交易服务
  • 资讯安全
  • 风险管理
  • 财务规划
  • 股票建议

按部署类型分類的数位银行市场规模

• 市场概况
• 本地
• 云

按银行类型分類的数位银行市场规模

• 市场概况
• 零售银行
• 公司银行
• 投资银行

按银行模式分類的数位银行市场规模

• 市场概况
• 网路银行
• 行动银行

按最终用户分類的数位银行市场规模

• 市场概况
• 个人
  • 网路银行平台
  • 行动银行应用程式
• 政府
  • 网路银行平台
  • 行动银行应用程式
• 企业
  • 网路银行平台
  • 行动银行应用程式

数位银行市场规模

• 北美洲
  • 美国
  • 加拿大
• 欧洲
  • 德国
  • 西班牙
  • 法国
  • 英国
  • 义大利
  • 其他欧洲国家地区
• 亚太地区
  • 中国
  • 印度
  • 日本
  • 韩国
  • 其他亚太地区
• 拉丁美洲
  • 巴西
  • 其他拉丁美洲国家
• 中东和非洲
  • 海湾合作委员会国家
  • 南非
  • 其他中东和非洲地区

竞争资讯

• 前 5 家公司对比
• 主要企业市场定位（2024年）
• 主要市场参与者所采用的策略
• 近期市场趋势
• 公司市场占有率分析（2024 年）
• 主要企业简介
  • 公司详细信息
  • 产品系列分析
  • 公司分部份额分析
  • 收益与前一年同期比较对比（2022-2024 年）

主要企业简介

• Nubank（Brazil）
• Revolut（United Kingdom）
• Monzo（United Kingdom）
• Starling Bank（United Kingdom）
• Chime（United States）
• Varo Bank（United States）
• SoFi（United States）
• Ally Bank（United States）
• Tinkoff Bank（Russia）
• KakaoBank（South Korea）
• WeBank（China）
• Judo Bank（Australia）
• Volt Bank（Australia）
• N26（Germany）
• bunq（Netherlands）
• Fidor Bank（Germany）
• BankMobile（United States）
• Current（United States）
• Aspiration（United States）
• Zempler Bank（United Kingdom）

结论和建议

Global Digital Banking Market size was valued at USD 10.53 billion in 2023 and is poised to grow from USD 11.92 billion in 2024 to USD 32.14 billion by 2032, growing at a CAGR of 13.2% during the forecast period (2025-2032).

The global digital banking market is set for accelerated growth, driven by the increasing presence of fintech players offering diverse financial services, including payments, investments, insurance, loans, and asset management. Tech-savvy consumers prefer these platforms for their seamless user experience, prompting banks to collaborate with fintech firms and third-party apps. This collaboration enhances customer control over finances while optimizing banking infrastructure without major system overhauls. The surge in real-time payment services like WhatsApp Pay and PhonePe has further heightened the demand for robust banking infrastructure. Notably, Visa's $5.3 billion acquisition of Plaid underscores the rising importance of cloud-based solutions in digital banking. With over 197 million Americans using digital banking in 2022, North America remains a key growth region.

Top-down and bottom-up approaches were used to estimate and validate the size of the Global Digital Banking market and to estimate the size of various other dependent submarkets. The research methodology used to estimate the market size includes the following details: The key players in the market were identified through secondary research, and their market shares in the respective regions were determined through primary and secondary research. This entire procedure includes the study of the annual and financial reports of the top market players and extensive interviews for key insights from industry leaders such as CEOs, VPs, directors, and marketing executives. All percentage shares split, and breakdowns were determined using secondary sources and verified through Primary sources. All possible parameters that affect the markets covered in this research study have been accounted for, viewed in extensive detail, verified through primary research, and analyzed to get the final quantitative and qualitative data.

Global Digital Banking Market Segments Analysis

Global Digital Banking Market is segmented by Component, Deployment Type, Banking Type, Banking Mode, End users and region. Based on Component, the market is segmented into Platforms, Services, Professional services, Managed Services, Transactional Services and Non-Transactional Services. Based on Deployment Type, the market is segmented into On-premises and Cloud. Based on Banking Type, the market is segmented into Retail Banking, Corporate Banking and Investment Banking. Based on Banking Mode, the market is segmented into Online Banking and Mobile Banking. Based on End users, the market is segmented into Individuals, Government organizations and Corporates. Based on region, the market is segmented into North America, Europe, Asia Pacific, Latin America and Middle East & Africa.

Driver of the Global Digital Banking Market

Growing awareness of cybersecurity risks is a key driver for the global digital banking market. Traditional banks face intense competition from fintech firms, payment service providers, and tech giants, pushing them to enhance their digital offerings. Customers are increasingly prioritizing security, seeking banking solutions that offer robust protection against fraud and cyber threats. Digital banking platforms address these concerns by integrating advanced security measures such as biometric authentication, AI-driven fraud detection, and encryption technologies. As cybersecurity threats grow, consumer trust in digital banking continues to strengthen, accelerating its adoption worldwide. This shift compels banks to invest in secure digital infrastructure, further propelling market expansion.

Restraints in the Global Digital Banking Market

A key restraint in the global Digital Banking Market is the strong consumer preference for traditional brick-and-mortar banking, particularly among older demographics. Many users continue to value in-person interactions and the perceived security of physical branches, creating a barrier to the widespread adoption of digital banking services. This hesitation is often rooted in long-standing trust in conventional banking models and concerns over cybersecurity risks. As a result, even for routine transactions, some customers remain reluctant to transition fully to digital platforms. To overcome this challenge, financial institutions must invest in advanced digital security measures, user-friendly interfaces, and targeted educational campaigns to build consumer confidence and drive greater acceptance of digital banking solutions worldwide.

Market Trends of the Global Digital Banking Market

Our analysis reveals that mobile banking is emerging as a dominant trend in the global Digital Banking Market, driven by convenience and a growing emphasis on sustainability. Financial institutions are integrating sustainability metrics into digital banking services, as seen with Danske Bank's June 2024 launch of a feature to track sustainable investments. Additionally, the rise of "buy now, pay later" (BNPL) solutions is reshaping consumer spending, particularly among millennials and Gen Z. Google Pay's May 2024 update enhanced online shopping by expanding BNPL options like Affirm and Zip while improving security and checkout experiences. These advancements reflect the increasing demand for seamless, personalized, and secure digital financial services, shaping the future of digital banking with innovation and user-centric solutions.

Table of Contents

Introduction

• Objectives of the Study
• Scope of the Report
• Definitions

Research Methodology

• Information Procurement
• Secondary & Primary Data Methods
• Market Size Estimation
• Market Assumptions & Limitations

Executive Summary

• Global Market Outlook
• Supply & Demand Trend Analysis
• Segmental Opportunity Analysis

Market Dynamics & Outlook

• Market Overview
• Market Size
• Market Dynamics
  • Drivers & Opportunities
  • Restraints & Challenges
• Porters Analysis
  • Competitive rivalry
  • Threat of substitute
  • Bargaining power of buyers
  • Threat of new entrants
  • Bargaining power of suppliers

Key Market Insights

• Key Success Factors
• Degree of Competition
• Top Investment Pockets
• Market Ecosystem
• Market Attractiveness Index, 2024
• PESTEL Analysis
• Macro-Economic Indicators
• Value Chain Analysis
• Pricing Analysis

Global Digital Banking Market Size by Component & CAGR (2025-2032)

• Market Overview
• Platforms
• Services
• Professional services
  • Consulting
  • Implementation
  • Support and maintenance
• Managed Services
• Transactional Services
  • Cash deposits and withdrawal
  • Fund transfers
  • Auto-debit/auto-credit services
  • Loans
• Non-Transactional Services
  • Information security
  • Risk management
  • Financial planning
  • Stock advisory

Global Digital Banking Market Size by Deployment Type & CAGR (2025-2032)

• Market Overview
• On-premises
• Cloud

Global Digital Banking Market Size by Banking Type & CAGR (2025-2032)

• Market Overview
• Retail Banking
• Corporate Banking
• Investment Banking

Global Digital Banking Market Size by Banking Mode & CAGR (2025-2032)

• Market Overview
• Online Banking
• Mobile Banking

Global Digital Banking Market Size by End users & CAGR (2025-2032)

• Market Overview
• Individuals
  • Online banking platforms
  • Mobile banking apps
• Government organizations
  • Online banking platforms
  • Mobile banking apps
• Corporates
  • Online banking platforms
  • Mobile banking apps

Global Digital Banking Market Size & CAGR (2025-2032)

• North America (Component, Deployment Type, Banking Type, Banking Mode, End users)
  • US
  • Canada
• Europe (Component, Deployment Type, Banking Type, Banking Mode, End users)
  • Germany
  • Spain
  • France
  • UK
  • Italy
  • Rest of Europe
• Asia Pacific (Component, Deployment Type, Banking Type, Banking Mode, End users)
  • China
  • India
  • Japan
  • South Korea
  • Rest of Asia-Pacific
• Latin America (Component, Deployment Type, Banking Type, Banking Mode, End users)
  • Brazil
  • Rest of Latin America
• Middle East & Africa (Component, Deployment Type, Banking Type, Banking Mode, End users)
  • GCC Countries
  • South Africa
  • Rest of Middle East & Africa

Competitive Intelligence

• Top 5 Player Comparison
• Market Positioning of Key Players, 2024
• Strategies Adopted by Key Market Players
• Recent Developments in the Market
• Company Market Share Analysis, 2024
• Company Profiles of All Key Players
  • Company Details
  • Product Portfolio Analysis
  • Company's Segmental Share Analysis
  • Revenue Y-O-Y Comparison (2022-2024)

Key Company Profiles

• Nubank (Brazil)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Revolut (United Kingdom)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Monzo (United Kingdom)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Starling Bank (United Kingdom)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Chime (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Varo Bank (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• SoFi (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Ally Bank (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Tinkoff Bank (Russia)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• KakaoBank (South Korea)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• WeBank (China)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Judo Bank (Australia)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Volt Bank (Australia)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• N26 (Germany)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• bunq (Netherlands)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Fidor Bank (Germany)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• BankMobile (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Current (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Aspiration (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Zempler Bank (United Kingdom)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments

Conclusion & Recommendations