数位银行市场规模、份额和成长分析（按组件、采用类型、银行类型、银行模式、最终用户和地区划分）－2026-2033年产业预测

预计到 2024 年，全球数位银行市场规模将达到 119.2 亿美元，到 2025 年将达到 134.9 亿美元，到 2033 年将达到 363.8 亿美元，在预测期（2026-2033 年）内，复合年增长率为 13.2%。

在创新金融科技公司涌入市场并提供包括支付、投资、保险、贷款和资产管理在内的多种服务的推动下，数位银行业正经历强劲成长。精通科技的客户越来越多地使用这些平台，迫使传统银行加强与金融科技公司和第三方应用程式的整合。这种协同效应在改善客户管理和整体使用者体验的同时，最大限度地减少了对系统进行大规模变更的需求。对无缝数位互动日益增长的需求要求银行确保可靠的基础设施，尤其是在执行即时支付交易方面。云端解决方案的日益普及也进一步推动了这项转型。随着越来越多的人使用数位银行服务，市场扩张预计将会加速，尤其是在主要行业参与者持续存在的情况下。

全球数位银行市场驱动因素

全球数位银行领域的主要市场驱动力之一是消费者对先进技术的快速接受，这显着改变了银行服务的提供和使用方式。智慧型手机和网路普及率的不断提高，使客户能够随时随地存取银行服务，从而刺激了对用户友好型数位平台的需求。此外，普惠金融的趋势正迫使银行开发创新解决方案，以满足尚未享受银行帐户的人群的需求，从而扩大基本客群。对便利性、速度和个人化银行交易的不懈追求，正在推动整个数位银行业产业向前发展。

全球数位银行市场面临的限制因素

全球数位银行市场的主要限制因素之一是网路攻击和资料外洩事件日益频繁，这严重威胁消费者的信任和财务安全。随着数位银行平台的普及，它们也成为骇客利用漏洞的攻击目标。由于担心个人和财务资讯的安全，客户可能对使用数位银行服务犹豫不决。此外，监管机构正在实施严格的措施来保护用户，这增加了金融机构的合规成本。这些因素可能会抑制数位银行领域的创新和投资，最终阻碍市场成长。

全球数位银行市场趋势

全球数位银行市场正经历一场重大变革，这主要得益于行动银行的日益普及，而行动银行则强调便利性和永续性。随着金融机构不断调整以满足消费者需求，永续投资追踪和个人化金融解决方案等功能正日益受到青睐。 「先买后付」的趋势正在改变消费者的消费习惯，尤其是在千禧世代和Z世代中，他们对灵活的支付方式有更高的要求。增强数位付款管道优先考虑网路购物的便利性和安全性，这反映了消费者对简化金融服务的广泛需求。这一趋势凸显了消费者与银行互动方式的根本转变，其关注点在于便利性和负责任的投资。

目录

介绍

• 调查目标
• 调查范围
• 定义

调查方法

• 资讯收集
• 二手资料和一手资料方法
• 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
• 细分市场机会分析

市场动态与展望

• 市场规模
• 市场动态
  • 驱动因素和机会
  • 限制与挑战
• 波特分析

关键市场考察

• 关键成功因素
• 竞争程度
• 关键投资机会
• 市场生态系统
• 市场吸引力指数（2025）
• PESTEL 分析
• 总体经济指标
• 价值链分析
• 定价分析

全球数位银行市场规模（按组成部分及复合年增长率划分）（2026-2033 年）

• 平台
• 服务
• 专业服务
  • 咨询
  • 执行
  • 支援与维护
• 託管服务
• 交易服务
  • 现金存取款
  • 资金转移
  • 自动提款/自动存款服务
  • 贷款
• 非贸易服务
  • 资讯安全
  • 风险管理
  • 财务规划
  • 股票咨询

全球数位银行市场规模（按部署类型和复合年增长率划分）（2026-2033 年）

• 本地部署
• 云

全球数位银行市场规模（按银行类型划分）及复合年增长率（2026-2033 年）

• 零售银行
• 企业银行
• 投资银行

全球数位银行市场规模（按银行类型划分）及复合年增长率（2026-2033 年）

• 网路银行
• 行动银行

全球数位银行市场规模（依最终用户划分）及复合年增长率（2026-2033 年）

• 个人
  • 网路银行平台
  • 行动银行应用程式
• 政府机构
  • 网路银行平台
  • 行动银行应用程式
• 公司
  • 网路银行平台
  • 行动银行应用程式

全球数位银行市场规模及复合年增长率（2026-2033）

• 北美洲
  • 美国
  • 加拿大
• 欧洲
  • 德国
  • 西班牙
  • 法国
  • 英国
  • 义大利
  • 其他欧洲地区
• 亚太地区
  • 中国
  • 印度
  • 日本
  • 韩国
  • 亚太其他地区
• 拉丁美洲
  • 巴西
  • 其他拉丁美洲地区
• 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

• 前五大公司对比
• 主要企业的市场定位（2025 年）
• 主要市场参与者所采取的策略
• 近期市场趋势
• 公司市占率分析（2025 年）
• 主要企业公司简介
  • 公司详情
  • 产品系列分析
  • 依业务板块进行公司股票分析
  • 2023-2025年营收年比比较

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）

结论与建议

Global Digital Banking Market size was valued at USD 11.92 Billion in 2024 and is poised to grow from USD 13.49 Billion in 2025 to USD 36.38 Billion by 2033, growing at a CAGR of 13.2% during the forecast period (2026-2033).

The digital banking landscape is experiencing robust growth driven by the influx of innovative fintech players offering diverse services, including payments, investments, insurance, loans, and asset management. Tech-savvy customers are increasingly inclined toward these platforms, prompting traditional banks to enhance collaborations with fintechs and third-party applications. This synergy improves customer control and overall user experience while minimizing the need for extensive systemic changes. As demand for seamless digital interactions rises, banks must ensure reliable infrastructure, particularly for executing real-time payment transactions. The growing acceptance of cloud solutions further supports this transformation. With a significant portion of the population engaging in digital banking, market expansion is poised to accelerate, especially with the continued presence of leading industry players.

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

One of the primary market drivers for the global digital banking sector is the rapid adoption of advanced technology among consumers, which has significantly transformed how banking services are delivered and consumed. The increasing penetration of smartphones and the internet is enabling customers to access banking services anytime and anywhere, leading to a demand for user-friendly digital platforms. Furthermore, the growing trend of financial inclusion is pushing banks to develop innovative solutions that cater to unbanked populations, thereby expanding their customer base. This relentless drive for convenience, speed, and personalization in banking experiences is propelling the entire digital banking landscape forward.

Restraints in the Global Digital Banking Market

One key market restraint for the global digital banking market is the increasing frequency of cyberattacks and data breaches, which pose significant threats to consumer trust and financial security. As digital banking platforms become more prevalent, they are attractive targets for hackers seeking to exploit vulnerabilities. Customers may hesitate to adopt digital banking services due to concerns about the safety of their personal and financial information. Furthermore, regulatory bodies are implementing stringent measures to protect users, increasing compliance costs for financial institutions. These factors can hinder innovation and investment in the digital banking sector, ultimately impeding market growth.

Market Trends of the Global Digital Banking Market

The Global Digital Banking market is witnessing a significant shift driven by the rising popularity of mobile banking, which emphasizes convenience and sustainability. As financial institutions adapt to consumer demands, features such as sustainable investment tracking and personalized financial solutions are gaining traction. The "buy now, pay later" trend is reshaping consumer spending habits, particularly among millennials and Gen Z, who seek flexible payment options. Enhanced digital payment platforms are prioritizing online shopping convenience and security, reflecting a broader demand for streamlined financial services. This trend underscores a fundamental transformation in how consumers engage with banking, focusing on accessibility and responsible investing.

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, 2025
• PESTEL Analysis
• Macro-Economic Indicators
• Value Chain Analysis
• Pricing Analysis

Global Digital Banking Market Size by Component & CAGR (2026-2033)

• 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 (2026-2033)

• Market Overview
• On-premises
• Cloud

Global Digital Banking Market Size by Banking Type & CAGR (2026-2033)

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

Global Digital Banking Market Size by Banking Mode & CAGR (2026-2033)

• Market Overview
• Online Banking
• Mobile Banking

Global Digital Banking Market Size by End users & CAGR (2026-2033)

• 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 (2026-2033)

• 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, 2025
• Strategies Adopted by Key Market Players
• Recent Developments in the Market
• Company Market Share Analysis, 2025
• Company Profiles of All Key Players
  • Company Details
  • Product Portfolio Analysis
  • Company's Segmental Share Analysis
  • Revenue Y-O-Y Comparison (2023-2025)

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