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市场调查报告书
商品编码
1818104
2032 年数位银行市场预测:按类型、服务、部署、交易类型、技术和地区进行的全球分析Digital Banking Market Forecasts to 2032 - Global Analysis By Type (Retail Digital Banking, Corporate Digital Banking, and Neobanking/Challenger Banks), Service, Deployment, Transaction Type, Technology and By Geography |
根据 Stratistics MRC 的数据,全球数位银行市场规模预计在 2025 年达到 11.91 兆美元,到 2032 年将达到 22.2 兆美元,复合年增长率为 9.3%。
数位银行透过线上和行动平台提供金融服务,客户无需前往实体分行即可管理帐户、转帐、申请贷款和获取投资产品。这些银行提供无缝衔接、用户友好的介面、自动化客户服务和即时交易。数位银行促进金融包容性,降低营运成本,并提升可及性。金融科技创新、监管支援和不断变化的消费者期望正在推动市场成长。生物识别、人工智慧主导的洞察和开放银行API等功能,在竞争激烈的数位金融领域为消费者提供了更高的安全性、个人化服务和高效的资金管理。
对低成本投资解决方案的需求不断增长
与传统金融服务相比,消费者越来越青睐提供经济高效投资选择的数位平台,因为传统金融服务往往因高昂的管理费和仲介手续费而昂贵。数位银行解决方案让消费者能够更方便地直接存取机器人顾问和自动化投资组合管理等投资产品,从而减少对人工顾问的依赖。精通科技的千禧世代的崛起进一步推动了这一趋势,他们追求高效且经济实惠的解决方案。此外,透过行动应用程式和网路平台轻鬆存取也有助于提高客户的接受度。
个人金融咨询缺乏吸引力
儘管数位平台擅长自动化交易和基本金融服务,但许多消费者,尤其是高净值人士,仍然重视根据其独特财务目标量身定制的专家建议。在复杂的财务决策中,缺乏面对面的互动和细緻的判断,降低了顾客的信任和满意度。此外,演算法主导的推荐可能无法考虑到个人情况,导致保守型投资者不愿意采用。此外,对技术可靠性和资料安全性的担忧也阻碍了其采用。
与数位银行平台整合
透过整合人工智慧主导的分析、用于安全交易的区块链以及开放银行API等服务,金融机构可以提升客户体验、营运效率和个人化服务。此外,此类整合使银行能够在统一的数位平台下提供更广泛的金融产品,从而增加交叉销售机会。此外,与金融科技新兴企业合作可以帮助老牌银行加速数位转型,满足不断变化的客户期望。科技与银行业务的融合不仅促进了无缝交易,也为创新金融解决方案铺平了道路,从而推动市场成长。
与传统财富管理公司的竞争
儘管技术不断进步,传统财富管理公司仍提供客製化的财务建议、关係驱动的互动以及深度的市场洞察,而这些往往是数位解决方案所缺乏的。此外,成熟的财富管理公司拥有长期的客户关係和品牌信誉,因此受到保守型投资者的青睐。此外,与拥有成熟网路的传统机构相比,纯数位银行面临监管挑战和更高的客户获取成本。随着传统机构也纷纷采用数位化策略,将个人化咨询服务与技术便利性结合,竞争格局愈演愈烈,限制了数位银行市场的颠覆性潜力。
由于封锁和保持社交距离措施限制了实体网点的访问,新冠疫情加速了数位银行的普及。消费者和企业转向线上和行动银行平台进行交易、申请贷款和管理投资。这种快速转变凸显了数位解决方案的便利性、快速性和可近性,从而提高了市场接受度。此外,银行也迅速加快了数位创新,以满足激增的需求。然而,疫情也暴露了网路安全漏洞,并促使监管措施更加严格。此外,经济不确定性导致消费者更加谨慎,减少了高风险的金融活动。儘管面临挑战,但这场危机凸显了数位银行在前所未有的动盪时期在确保业务连续性和客户参与发挥的关键作用。
零售数位银行业务预计将在预测期内成为最大的业务
预计零售数位银行业务将在预测期内占据最大市场份额,这得益于智慧型手机的普及、网路存取的不断增长以及消费行为向线上财务管理的转变。如今,消费者更倾向于无缝且按需地取得银行服务,包括储蓄帐户、个人贷款、支付和投资选择。此外,新冠疫情导致实体分行访问量下降,显着加速了银行向数位化管道的转变。此外,预算工具、即时通知和自动支付等创新服务正在提升客户便利性,并推动银行的普及。
预测期内,云端基础市场将以最高复合年增长率成长
预计云端基础银行业务将在预测期内呈现最高成长率,反映出云端技术应用的日益普及。越来越多的金融机构正在迁移到云端基础设施,以受益于其可扩展性、成本效益和先进的数据分析能力。此外,云端基础方案能够快速部署创新服务并提高系统弹性。此外,这些解决方案透过提供强大的安全框架和即时资料监控来支援监管合规性。云端基础银行能够安全且灵活地处理大量交易,这对老牌银行和金融科技颠覆者来说都极具提案。
在预测期内,北美预计将占据最大的市场份额,这得益于其先进的技术基础设施、较高的智慧型手机普及率以及数位金融解决方案的早期采用。此外,主要行业参与者的存在和强大的金融科技生态系统将进一步加速市场扩张。此外,严格的法律规范确保了数位银行营运的安全合规,从而增强了客户信任。该地区在研发方面的大量投资正在推动持续创新并增强产品供应。此外,新冠疫情后消费者对便利性和数位转型的需求激增,巩固了北美在全球数位银行市场的主导地位。
预计亚太地区在预测期内的复合年增长率最高,这得益于数位化的加速、互联网和行动连线的不断扩展以及金融包容性倡议的不断推进。新兴经济体拥有庞大的未充分服务的人口,因此提供了巨大的成长机会。此外,政府推动数位金融应用的政策和有利的法律规范正在刺激市场发展。此外,专注于行动优先策略的金融科技Start-Ups的崛起正在加速创新和客户获取。智慧型手机普及率的提高和中产阶级人口的壮大,进一步推动了对便利、低成本的数位银行服务的需求。
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.
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.
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.
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.
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.
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.
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.
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.
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.
Note: Tables for North America, Europe, APAC, South America, and Middle East & Africa Regions are also represented in the same manner as above.