行动银行市场－全球产业规模、份额、趋势、机会与预测：按类型、平台、部署类型、最终用户、地区和竞争格局划分，2021-2031年

全球行动银行市场预计将经历强劲成长，从 2025 年的 42.1 亿美元成长到 2031 年的 113.6 亿美元，复合年增长率为 17.99%。

行动支付服务是指让客户能够透过智慧型手机和平板电脑等行动装置远端进行金融交易的服务。高速互联网的普及和行动装置的广泛应用推动了该行业的发展。这种数位转型催生了一个蓬勃发展的经济体。根据全球行动通讯系统协会（GSMA）预测，到2024年，全球整体行动支付服务预计将促成约1,080亿笔交易，总价值约1.7兆美元。

然而，行动银行业面临着与安全漏洞和诈欺相关的重大障碍，这可能会阻碍其发展。日益复杂的网路威胁对用户资料和金融资产构成严重风险，并可能损害消费者信任。这些安全问题对行动银行永续发展构成重大障碍，因为对安全漏洞的担忧可能会使用户不愿使用这些数位平台。

市场驱动因素

行动银行的快速发展主要得益于智慧型手机普及率的提高和全球高速网路存取范围的扩大。随着电信网路扩展到以往服务不足的地区，金融机构正利用这种连接性提供远端服务，从而减少客户对实体分店的需求。这种技术进步显着降低了准入门槛，使数百万用户能够透过行动装置使用先进的金融工具。根据全球行动通讯系统协会（GSMA）发布的《2024年行动网路连线状况报告》，截至2024年10月，全球将有超过46亿人（占全球人口的57%）使用行动网路。

同时，各国政府为促进无现金数位经济所采取的倡议，透过鼓励电子支付和推动普惠金融，正在加速这一趋势的普及。监管机构正在实施相关政策，以减少现金使用，提高透明度，并将未享有银行帐户纳入金融体系，从而推动行动优先银行模式的转变。这些数位化习惯正日益根深蒂固。根据英国金融协会发布的《2024年支付市场报告》预测，到2023年，预计将有42%的成年人註册至少一项行动支付服务；而美国银行等主要金融机构则表示，到2024年，其认证的数位用户数量将达到约5800万。

市场挑战

安全漏洞和诈欺行为对行动银行市场的成长构成重大阻碍。当个人财务资料的安全性受到质疑时，使用者信任度会显着下降。这种信任的丧失会导致用户犹豫是否采用行动应用程序，或将其使用范围限制在小额交易，从而有效抑制了整体市场规模。此外，不断演变的网路威胁也带来了营运风险，迫使金融机构将投资资金转向防御而非服务提升，进一步减缓了产业发展。

近期数据显示，营运环境对财务状况的影响巨大，凸显了这项挑战的严峻性。全球反诈骗联盟估计，到2024年，全球因诈骗造成的损失将达到1.03兆美元。如此广泛的金融风险引发了消费者的谨慎情绪，并凸显了数位管道固有的风险，直接阻碍了其市场渗透。因此，出于安全考虑，潜在用户仍然倾向于使用传统银行方式来保护其资产。

市场趋势

随着金融机构从实验阶段转向全面部署生成式人工智慧，人工智慧驱动的超个人化正在改变行动银行。这项技术使银行能够即时分析大量资料集，并直接在用户的仪錶板上提供客製化的金融咨询和预测性现金流分析。这使得行动应用从被动工具转变为主动助手。这种策略性转变透过提高交叉销售转换率转化为收入成长。根据英伟达于2025年2月发布的《2025年金融服务业人工智慧现况报告》，约70%的受访金融专业人士表示，他们对人工智慧的投资使其年收入至少成长了5%。

同时，开放银行API生态系统正在为互联互通树立新标准，使第三方开发者能够与传统银行基础设施无缝整合。这一趋势正在推动嵌入式金融的发展，透过让客户无需离开其首选的数位平台即可存取全面的管理工具和即时信贷，从而创造一个安全的金融数据聚合环境。其影响深远。万事达卡2025年1月发布的报告《建构开放银行时代的信任》指出，全球85%的企业正在利用开放银行解决方案来优化其财务管理和支付流程。

目录

第一章概述

第二章调查方法

第三章执行摘要

第四章：客户评价

第五章：全球行动银行市场展望

• 市场规模及预测
  • 按金额
• 市占率及预测
  • 按类型（无线应用通讯协定(WAP)、简讯银行、非结构化补充业务资料 (USSD)、独立行动应用程式、其他）
  • 按平台（Android、iOS、其他）
  • 依部署类型（云端、本机部署）
  • 依最终用户（个人、企业）划分
  • 按地区
  • 按公司（2025 年）
• 市场地图

第六章：北美行动银行市场展望

• 市场规模及预测
• 市占率及预测
• 北美洲：国家分析
  • 我们
  • 加拿大
  • 墨西哥

第七章：欧洲行动银行市场展望

• 市场规模及预测
• 市占率及预测
• 欧洲：国家分析
  • 德国
  • 法国
  • 英国
  • 义大利
  • 西班牙

第八章：亚太地区行动银行市场展望

• 市场规模及预测
• 市占率及预测
• 亚太地区：国家分析
  • 中国
  • 印度
  • 日本
  • 韩国
  • 澳洲

第九章：中东和非洲行动银行市场展望

• 市场规模及预测
• 市占率及预测
• 中东和非洲：国家分析
  • 沙乌地阿拉伯
  • 阿拉伯聯合大公国
  • 南非

第十章：南美行动银行市场展望

• 市场规模及预测
• 市占率及预测
• 南美洲：国家分析
  • 巴西
  • 哥伦比亚
  • 阿根廷

第十一章 市场动态

• 司机
• 任务

第十二章 市场趋势与发展

• 併购
• 产品发布
• 最新进展

第十三章：全球行动银行市场：SWOT分析

第十四章：波特五力分析

• 产业竞争
• 新进入者的可能性
• 供应商电力
• 顾客权力
• 替代品的威胁

第十五章 竞争格局

• Bank of America Corporation
• US Bancorp
• Wells Fargo & Company
• JPMorgan Chase & Co.
• Capital One Financial Corporation
• PNC Financial Services Group, Inc.
• Ally Financial Inc.
• Discover Financial Services
• Varo Bank, NA
• Quontic Bank

第十六章 策略建议

第十七章：关于研究公司及免责声明

The Global Mobile Banking Market is projected to experience robust growth, expanding from USD 4.21 Billion in 2025 to USD 11.36 Billion by 2031, representing a CAGR of 17.99%. Defined as a service enabling customers to execute financial operations remotely via handheld devices like smartphones and tablets, the industry is fueled by the widespread availability of high-speed internet and the ubiquity of mobile hardware. This digital transformation has generated substantial activity; according to the GSMA, mobile money services facilitated roughly 108 billion transactions worth nearly $1.7 trillion globally in 2024.

However, the industry faces significant obstacles regarding security vulnerabilities and fraud, which threaten to undermine its progress. As cyber threats become increasingly sophisticated, they present serious risks to user data and financial assets, potentially eroding consumer confidence. These security issues constitute a formidable barrier to the sustained growth of the mobile banking sector, as the fear of compromise can deter users from embracing these digital platforms.

Market Driver

The surge in mobile banking is fundamentally underpinned by increasing global smartphone penetration and the widening accessibility of high-speed internet. As telecommunications networks reach into previously underserved areas, financial institutions are utilizing this connectivity to provide remote services, thereby reducing the need for physical branch interactions. This technological expansion significantly lowers entry barriers, allowing millions to access sophisticated financial tools via handheld devices; the GSMA's 'State of Mobile Internet Connectivity Report 2024' noted that by October 2024, over 4.6 billion individuals, or 57 percent of the global population, were using mobile internet.

Simultaneously, government efforts to promote cashless digital economies are accelerating adoption by incentivizing electronic payments and fostering financial inclusion. Regulatory authorities are implementing policies to discourage cash usage, aiming to enhance transparency and bring unbanked populations into the formal financial fold, which encourages a shift toward mobile-first banking. UK Finance's 'Payment Markets Report 2024' revealed that 42 percent of adults had registered for at least one mobile payment service by 2023, while major entities like Bank of America reported approximately 58 million verified digital users in 2024 as these digital habits become entrenched.

Market Challenge

Security vulnerabilities and fraud act as substantial obstacles to the growth of the mobile banking market, significantly diminishing user confidence when the safety of personal financial data is called into question. This erosion of trust often results in a hesitancy to adopt mobile applications or restricts usage to low-value transactions, effectively capping total market volume. Furthermore, evolving cyber threats introduce operational risks that compel institutions to redirect investment capital toward defensive measures rather than service enhancements, further decelerating the sector's development.

The severity of this challenge is underscored by recent data highlighting the financial impact of the operating environment, with the Global Anti-Scam Alliance estimating global losses to scams and fraud at $1.03 trillion in 2024. Such extensive financial exposure creates a cautious consumer base and emphasizes the inherent risks of digital channels, serving as a direct impediment to wider market penetration. Consequently, security concerns continue to drive potential users back toward traditional banking methods to ensure the protection of their assets.

Market Trends

AI-Driven Hyper-Personalization is transforming mobile banking as institutions move from experimental phases to the full-scale implementation of generative AI. This technology enables banks to analyze massive datasets in real-time, providing users with customized financial advice and predictive cash flow insights directly on their dashboards, thereby shifting mobile apps from passive tools to proactive assistants. This strategic evolution enhances revenue by boosting conversion rates for cross-selling; according to NVIDIA's 'State of AI in Financial Services 2025' report from February 2025, nearly 70 percent of financial professionals surveyed stated that AI investments yielded an annual revenue increase of at least 5 percent.

In parallel, Open Banking API Ecosystems are setting new standards for interconnectivity by allowing third-party developers to integrate seamlessly with traditional banking infrastructure. This trend facilitates the growth of embedded finance, enabling customers to access comprehensive management tools and instant credit without leaving their preferred digital platforms, thus fostering a secure environment for financial data aggregation. The impact of this is significant, as Mastercard's January 2025 report, 'Building trust in the age of open banking,' indicated that 85 percent of businesses globally are leveraging open banking solutions to optimize their financial management and payment workflows.

Key Market Players

• Bank of America Corporation
• U.S. Bancorp
• Wells Fargo & Company
• JPMorgan Chase & Co.
• Capital One Financial Corporation
• PNC Financial Services Group, Inc.
• Ally Financial Inc.
• Discover Financial Services
• Varo Bank, N.A.
• Quontic Bank

Report Scope

In this report, the Global Mobile Banking Market has been segmented into the following categories, in addition to the industry trends which have also been detailed below:

Mobile Banking Market, By Type

• Wireless Application Protocol (WAP)
• SMS Banking
• Unstructured Supplementary Service Data (USSD)
• Standalone Mobile Application
• Others

Mobile Banking Market, By Platform

• Android
• IOS
• Others

Mobile Banking Market, By Deployment Type

• Cloud
• On-Premises

Mobile Banking Market, By End User

• Individual
• Enterprise

Mobile Banking Market, By Region

• North America
  • United States
  • Canada
  • Mexico
• Europe
  • France
  • United Kingdom
  • Italy
  • Germany
  • Spain
• Asia Pacific
  • China
  • India
  • Japan
  • Australia
  • South Korea
• South America
  • Brazil
  • Argentina
  • Colombia
• Middle East & Africa
  • South Africa
  • Saudi Arabia
  • UAE

Competitive Landscape

Company Profiles: Detailed analysis of the major companies present in the Global Mobile Banking Market.

Available Customizations:

Global Mobile Banking Market report with the given market data, TechSci Research offers customizations according to a company's specific needs. The following customization options are available for the report:

Company Information

• Detailed analysis and profiling of additional market players (up to five).

Table of Contents

1. Product Overview

• 1.1. Market Definition
• 1.2. Scope of the Market
  • 1.2.1. Markets Covered
  • 1.2.2. Years Considered for Study
  • 1.2.3. Key Market Segmentations

2. Research Methodology

• 2.1. Objective of the Study
• 2.2. Baseline Methodology
• 2.3. Key Industry Partners
• 2.4. Major Association and Secondary Sources
• 2.5. Forecasting Methodology
• 2.6. Data Triangulation & Validation
• 2.7. Assumptions and Limitations

3. Executive Summary

• 3.1. Overview of the Market
• 3.2. Overview of Key Market Segmentations
• 3.3. Overview of Key Market Players
• 3.4. Overview of Key Regions/Countries
• 3.5. Overview of Market Drivers, Challenges, Trends

4. Voice of Customer

5. Global Mobile Banking Market Outlook

• 5.1. Market Size & Forecast
  • 5.1.1. By Value
• 5.2. Market Share & Forecast
  • 5.2.1. By Type (Wireless Application Protocol (WAP), SMS Banking, Unstructured Supplementary Service Data (USSD), Standalone Mobile Application, Others)
  • 5.2.2. By Platform (Android, IOS, Others)
  • 5.2.3. By Deployment Type (Cloud, On-Premises)
  • 5.2.4. By End User (Individual, Enterprise)
  • 5.2.5. By Region
  • 5.2.6. By Company (2025)
• 5.3. Market Map

6. North America Mobile Banking Market Outlook

• 6.1. Market Size & Forecast
  • 6.1.1. By Value
• 6.2. Market Share & Forecast
  • 6.2.1. By Type
  • 6.2.2. By Platform
  • 6.2.3. By Deployment Type
  • 6.2.4. By End User
  • 6.2.5. By Country
• 6.3. North America: Country Analysis
  • 6.3.1. United States Mobile Banking Market Outlook
    • 6.3.1.1. Market Size & Forecast
      • 6.3.1.1.1. By Value
    • 6.3.1.2. Market Share & Forecast
      • 6.3.1.2.1. By Type
      • 6.3.1.2.2. By Platform
      • 6.3.1.2.3. By Deployment Type
      • 6.3.1.2.4. By End User
  • 6.3.2. Canada Mobile Banking Market Outlook
    • 6.3.2.1. Market Size & Forecast
      • 6.3.2.1.1. By Value
    • 6.3.2.2. Market Share & Forecast
      • 6.3.2.2.1. By Type
      • 6.3.2.2.2. By Platform
      • 6.3.2.2.3. By Deployment Type
      • 6.3.2.2.4. By End User
  • 6.3.3. Mexico Mobile Banking Market Outlook
    • 6.3.3.1. Market Size & Forecast
      • 6.3.3.1.1. By Value
    • 6.3.3.2. Market Share & Forecast
      • 6.3.3.2.1. By Type
      • 6.3.3.2.2. By Platform
      • 6.3.3.2.3. By Deployment Type
      • 6.3.3.2.4. By End User

7. Europe Mobile Banking Market Outlook

• 7.1. Market Size & Forecast
  • 7.1.1. By Value
• 7.2. Market Share & Forecast
  • 7.2.1. By Type
  • 7.2.2. By Platform
  • 7.2.3. By Deployment Type
  • 7.2.4. By End User
  • 7.2.5. By Country
• 7.3. Europe: Country Analysis
  • 7.3.1. Germany Mobile Banking Market Outlook
    • 7.3.1.1. Market Size & Forecast
      • 7.3.1.1.1. By Value
    • 7.3.1.2. Market Share & Forecast
      • 7.3.1.2.1. By Type
      • 7.3.1.2.2. By Platform
      • 7.3.1.2.3. By Deployment Type
      • 7.3.1.2.4. By End User
  • 7.3.2. France Mobile Banking Market Outlook
    • 7.3.2.1. Market Size & Forecast
      • 7.3.2.1.1. By Value
    • 7.3.2.2. Market Share & Forecast
      • 7.3.2.2.1. By Type
      • 7.3.2.2.2. By Platform
      • 7.3.2.2.3. By Deployment Type
      • 7.3.2.2.4. By End User
  • 7.3.3. United Kingdom Mobile Banking Market Outlook
    • 7.3.3.1. Market Size & Forecast
      • 7.3.3.1.1. By Value
    • 7.3.3.2. Market Share & Forecast
      • 7.3.3.2.1. By Type
      • 7.3.3.2.2. By Platform
      • 7.3.3.2.3. By Deployment Type
      • 7.3.3.2.4. By End User
  • 7.3.4. Italy Mobile Banking Market Outlook
    • 7.3.4.1. Market Size & Forecast
      • 7.3.4.1.1. By Value
    • 7.3.4.2. Market Share & Forecast
      • 7.3.4.2.1. By Type
      • 7.3.4.2.2. By Platform
      • 7.3.4.2.3. By Deployment Type
      • 7.3.4.2.4. By End User
  • 7.3.5. Spain Mobile Banking Market Outlook
    • 7.3.5.1. Market Size & Forecast
      • 7.3.5.1.1. By Value
    • 7.3.5.2. Market Share & Forecast
      • 7.3.5.2.1. By Type
      • 7.3.5.2.2. By Platform
      • 7.3.5.2.3. By Deployment Type
      • 7.3.5.2.4. By End User

8. Asia Pacific Mobile Banking Market Outlook

• 8.1. Market Size & Forecast
  • 8.1.1. By Value
• 8.2. Market Share & Forecast
  • 8.2.1. By Type
  • 8.2.2. By Platform
  • 8.2.3. By Deployment Type
  • 8.2.4. By End User
  • 8.2.5. By Country
• 8.3. Asia Pacific: Country Analysis
  • 8.3.1. China Mobile Banking Market Outlook
    • 8.3.1.1. Market Size & Forecast
      • 8.3.1.1.1. By Value
    • 8.3.1.2. Market Share & Forecast
      • 8.3.1.2.1. By Type
      • 8.3.1.2.2. By Platform
      • 8.3.1.2.3. By Deployment Type
      • 8.3.1.2.4. By End User
  • 8.3.2. India Mobile Banking Market Outlook
    • 8.3.2.1. Market Size & Forecast
      • 8.3.2.1.1. By Value
    • 8.3.2.2. Market Share & Forecast
      • 8.3.2.2.1. By Type
      • 8.3.2.2.2. By Platform
      • 8.3.2.2.3. By Deployment Type
      • 8.3.2.2.4. By End User
  • 8.3.3. Japan Mobile Banking Market Outlook
    • 8.3.3.1. Market Size & Forecast
      • 8.3.3.1.1. By Value
    • 8.3.3.2. Market Share & Forecast
      • 8.3.3.2.1. By Type
      • 8.3.3.2.2. By Platform
      • 8.3.3.2.3. By Deployment Type
      • 8.3.3.2.4. By End User
  • 8.3.4. South Korea Mobile Banking Market Outlook
    • 8.3.4.1. Market Size & Forecast
      • 8.3.4.1.1. By Value
    • 8.3.4.2. Market Share & Forecast
      • 8.3.4.2.1. By Type
      • 8.3.4.2.2. By Platform
      • 8.3.4.2.3. By Deployment Type
      • 8.3.4.2.4. By End User
  • 8.3.5. Australia Mobile Banking Market Outlook
    • 8.3.5.1. Market Size & Forecast
      • 8.3.5.1.1. By Value
    • 8.3.5.2. Market Share & Forecast
      • 8.3.5.2.1. By Type
      • 8.3.5.2.2. By Platform
      • 8.3.5.2.3. By Deployment Type
      • 8.3.5.2.4. By End User

9. Middle East & Africa Mobile Banking Market Outlook

• 9.1. Market Size & Forecast
  • 9.1.1. By Value
• 9.2. Market Share & Forecast
  • 9.2.1. By Type
  • 9.2.2. By Platform
  • 9.2.3. By Deployment Type
  • 9.2.4. By End User
  • 9.2.5. By Country
• 9.3. Middle East & Africa: Country Analysis
  • 9.3.1. Saudi Arabia Mobile Banking Market Outlook
    • 9.3.1.1. Market Size & Forecast
      • 9.3.1.1.1. By Value
    • 9.3.1.2. Market Share & Forecast
      • 9.3.1.2.1. By Type
      • 9.3.1.2.2. By Platform
      • 9.3.1.2.3. By Deployment Type
      • 9.3.1.2.4. By End User
  • 9.3.2. UAE Mobile Banking Market Outlook
    • 9.3.2.1. Market Size & Forecast
      • 9.3.2.1.1. By Value
    • 9.3.2.2. Market Share & Forecast
      • 9.3.2.2.1. By Type
      • 9.3.2.2.2. By Platform
      • 9.3.2.2.3. By Deployment Type
      • 9.3.2.2.4. By End User
  • 9.3.3. South Africa Mobile Banking Market Outlook
    • 9.3.3.1. Market Size & Forecast
      • 9.3.3.1.1. By Value
    • 9.3.3.2. Market Share & Forecast
      • 9.3.3.2.1. By Type
      • 9.3.3.2.2. By Platform
      • 9.3.3.2.3. By Deployment Type
      • 9.3.3.2.4. By End User

10. South America Mobile Banking Market Outlook

• 10.1. Market Size & Forecast
  • 10.1.1. By Value
• 10.2. Market Share & Forecast
  • 10.2.1. By Type
  • 10.2.2. By Platform
  • 10.2.3. By Deployment Type
  • 10.2.4. By End User
  • 10.2.5. By Country
• 10.3. South America: Country Analysis
  • 10.3.1. Brazil Mobile Banking Market Outlook
    • 10.3.1.1. Market Size & Forecast
      • 10.3.1.1.1. By Value
    • 10.3.1.2. Market Share & Forecast
      • 10.3.1.2.1. By Type
      • 10.3.1.2.2. By Platform
      • 10.3.1.2.3. By Deployment Type
      • 10.3.1.2.4. By End User
  • 10.3.2. Colombia Mobile Banking Market Outlook
    • 10.3.2.1. Market Size & Forecast
      • 10.3.2.1.1. By Value
    • 10.3.2.2. Market Share & Forecast
      • 10.3.2.2.1. By Type
      • 10.3.2.2.2. By Platform
      • 10.3.2.2.3. By Deployment Type
      • 10.3.2.2.4. By End User
  • 10.3.3. Argentina Mobile Banking Market Outlook
    • 10.3.3.1. Market Size & Forecast
      • 10.3.3.1.1. By Value
    • 10.3.3.2. Market Share & Forecast
      • 10.3.3.2.1. By Type
      • 10.3.3.2.2. By Platform
      • 10.3.3.2.3. By Deployment Type
      • 10.3.3.2.4. By End User

11. Market Dynamics

• 11.1. Drivers
• 11.2. Challenges

12. Market Trends & Developments

• 12.1. Merger & Acquisition (If Any)
• 12.2. Product Launches (If Any)
• 12.3. Recent Developments

13. Global Mobile Banking Market: SWOT Analysis

14. Porter's Five Forces Analysis

• 14.1. Competition in the Industry
• 14.2. Potential of New Entrants
• 14.3. Power of Suppliers
• 14.4. Power of Customers
• 14.5. Threat of Substitute Products

15. Competitive Landscape

• 15.1. Bank of America Corporation
  • 15.1.1. Business Overview
  • 15.1.2. Products & Services
  • 15.1.3. Recent Developments
  • 15.1.4. Key Personnel
  • 15.1.5. SWOT Analysis
• 15.2. U.S. Bancorp
• 15.3. Wells Fargo & Company
• 15.4. JPMorgan Chase & Co.
• 15.5. Capital One Financial Corporation
• 15.6. PNC Financial Services Group, Inc.
• 15.7. Ally Financial Inc.
• 15.8. Discover Financial Services
• 15.9. Varo Bank, N.A.
• 15.10. Quontic Bank

16. Strategic Recommendations

17. About Us & Disclaimer