数位银行市场－全球产业规模、份额、趋势、机会、预测：按银行、服务、模式、最终用户、地区和竞争对手划分，2021-2031年

全球数位银行市场预计将从 2025 年的 150.3 亿美元成长到 2031 年的 408.4 亿美元，复合年增长率为 18.13%。

数位银行是指透过行动应用程式和入口网站等电子媒介提供金融服务，从而有效地消除了消费者前往实体分店的必要性。其主要驱动因素包括高速网路和智慧型手机的普及，以及消费者对全天候即时获取金融服务日益增长的需求。这些技术因素透过优先考虑效率和便利性，改变了服务消费模式。根据美国银行家协会 (ABA) 预测，到 2025 年，54% 的消费者将把行动应用程式作为其主要的银行服务方式，这凸显了数位服务在现代金融环境中的优势。

然而，该行业在数据完整性和网路安全方面面临着许多挑战。随着金融机构将高度敏感的业务转移到数位化环境，它们也成为诈骗和复杂网路攻击的主要目标。如何在确保用户便利的同时遵守不断变化的监管规定，建立健全的安全措施，是营运中面临的复杂挑战。因此，持续存在的资料外洩风险可能会损害消费者信任，导致巨额监管罚款，并阻碍全球数位银行市场的持续成长。

市场驱动因素

人工智慧 (AI) 和机器学习 (ML) 的融合正成为推动市场发展的主要动力，透过高度个人化的服务，从根本上改变金融机构与客户的互动方式。银行正日益利用生成式人工智慧分析消费行为和交易历史，并透过提供个人化的金融咨询和预测性产品提案来提高客户留存率。这项技术驱动力背后是旨在自动化复杂流程和优化决策的大量资本投资。英伟达 (NVIDIA) 于 2025 年 9 月发布的报告《金融服务业人工智慧现状：2025 年趋势》显示，98% 的金融服务管理团队计划在当年增加其人工智慧基础设施投资，凸显了该产业对自动化智慧化方面的高度依赖。

同时，由于消费者行为的改变，市场正明显转向远端和非接触式银行服务，从而降低了对实体分店基础设施的需求。这种行为转变使得纯数位银行能够透过提供行动优先的体验，满足现代生活方式对即时存取的需求，从而获得显着的市场份额。根据摩根大通银行2025年6月发布的《数位银行意识调查》，78%的消费者每周至少使用一次银行应用程序，这表明行动平台已深度融入日常财务管理。这种广泛的普及推动了新参与企业的快速增长；例如，Nu Holdings在2025年报告称，Nubank在巴西、墨西哥和哥伦比亚已拥有1.27亿客户，这充分展现了分店银行模式的广泛覆盖面。

市场挑战

全球数位银行市场面临的一大障碍是资料完整性和网路安全持续受到威胁。随着金融机构将高度敏感的业务转移到数位平台，老练的网路犯罪者可利用的攻击面也在无意中扩大。这种脆弱性迫使银行在充满挑战的环境中艰难前进：一方面，严格的安全通讯协定至关重要；另一方面，使用者对无缝、即时存取的期望往往与之相衝突。因此，对资料外洩的担忧削弱了消费者信心，而这种信心对于大规模普及至关重要；同时，诈欺事件造成的声誉和经济损失也阻碍了对成长型创新领域的资本投资。

近期行业统计数据进一步印证了这一障碍的严重性，这些数据反映了此类威胁的普遍性。金融专业人士协会 (AFP) 在 2024 年发布的报告显示，79% 的机构曾遭受实际或未遂的支付诈骗。这一数字凸显了商业环境的严峻性，持续不断的攻击导致监管机构施加巨大压力，并面临法律责任。这些因素共同阻碍了市场扩张，潜在用户对数位管道仍持谨慎态度，而金融机构则努力在安全保障和业绩表现之间寻求平衡。

市场趋势

将嵌入式金融整合到非金融平台中，从根本上改变了银行服务的交付方式。其应用范围已从消费者支付扩展到复杂的企业对企业 (B2B) 应用。金融机构正日益将资金管理、采购和贷款功能直接整合到供应连结口和业务线(ERP) 系统中，使企业能够在不中断核心业务流程的情况下进行财务营运。这种无缝整合显着提升了企业客户的流动性管理和营运效率。为了佐证这项转变，万事达卡于 2025 年 11 月发布的报告《嵌入式金融对现金流的影响》指出，84% 将支付功能整合到采购平台的机构表示，其现金流管理得到了显着改善。

同时，金融机构正加速向云端原生核心银行基础架构迁移，以敏捷、扩充性的架构取代僵化的旧有系统。这项迁移不仅出于成本节约的考虑，也是出于支援产品快速部署和与第三方生态系统整合的策略需求。透过采用容器化环境和微服务，银行可以独立更新特定元件，从而确保服务的持续交付并快速适应市场变化。根据伦敦证券交易所集团于2025年7月进行的「金融服务业云端采用情况」调查，87%的公司在过去两年中增加了云端支出，推动了创新和扩充性，并证实了整个产业正在从本地资料中心转向云端部署。

目录

第一章概述

第二章：调查方法

第三章执行摘要

第四章：客户心声

第五章：全球数位银行市场展望

• 市场规模及预测
  • 按金额
• 市占率及预测
  • 依银行业务类型（零售银行、公司银行、投资银行）分類的银行业务
  • 依服务类型（交易型、非交易型）
  • 按交付方式（网路银行平台、行动银行应用程式）
  • 依最终用户（个人、政府机构、企业）划分
  • 按地区
  • 按公司（2025 年）
• 市场地图

第六章：北美数位银行市场展望

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

第七章：欧洲数位银行市场展望

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

第八章：亚太地区数位银行市场展望

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

第九章：中东和非洲数位银行市场展望

• 市场规模及预测
• 市占率及预测
• 中东与非洲：国别分析
  • 沙乌地阿拉伯
  • 阿拉伯聯合大公国
  • 南非

第十章：南美数位银行市场展望

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

第十一章 市场动态

• 促进因素
• 任务

第十二章 市场趋势与发展

• 併购
• 产品发布
• 近期趋势

第十三章：全球数位银行市场：SWOT分析

第十四章：波特五力分析

• 产业竞争
• 新进入者的潜力
• 供应商的议价能力
• 顾客权力
• 替代品的威胁

第十五章 竞争格局

• Oracle Corporation
• SAP SE
• Tata Consultancy Services Limited
• Temenos Headquarters SA
• Worldline SA
• Citigroup Inc.
• Deutsche Bank AG
• UBS Group AG

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 Digital Banking Market is projected to expand from USD 15.03 Billion in 2025 to USD 40.84 Billion by 2031, registering a CAGR of 18.13%. Digital banking involves the provision of financial services via electronic mediums like mobile applications and web portals, effectively removing the need for physical branch visits. Key drivers include the widespread availability of high-speed internet and smartphones, along with growing consumer demand for instant, 24/7 financial access. These technological elements have transformed service consumption patterns by prioritizing efficiency and convenience. As per the American Bankers Association, 54% of consumers in 2025 cited mobile apps as their preferred banking method, highlighting the dominance of digital access in the modern financial landscape.

However, the industry encounters a major obstacle regarding data integrity and cybersecurity. As financial organizations transfer sensitive operations to digital environments, they become prime targets for fraud and sophisticated cyberattacks. Establishing stringent security measures to meet evolving regulations while ensuring user convenience presents a complex operational challenge. Consequently, the persistent risk of data breaches threatens to diminish consumer confidence and result in heavy regulatory fines, potentially retarding the continued growth of the global digital banking market.

Market Driver

The incorporation of Artificial Intelligence (AI) and Machine Learning (ML) serves as a major catalyst for the market, fundamentally reshaping how institutions engage with customers through hyper-personalization. Banks are increasingly utilizing generative AI to examine spending behaviors and transaction histories, allowing them to provide customized financial guidance and predictive product suggestions that bolster user retention. This technological drive is supported by significant capital investment aimed at automating intricate processes and refining decision-making. According to NVIDIA's 'State of AI in Financial Services: 2025 Trends' report from September 2025, 98% of financial services management teams intend to boost their AI infrastructure investments during the year, emphasizing the industry's reliance on automated intelligence for efficiency and service differentiation.

Concurrently, the market is propelled by a distinct consumer shift towards remote and contactless banking, reducing the need for physical branch infrastructure. This behavioral change has empowered digital-only neobanks to capture considerable market share by delivering mobile-first experiences that meet modern lifestyle demands for immediate access. Chase's 'Digital Banking Attitudes' survey from June 2025 indicates that 78% of consumers use banking apps weekly, illustrating the deep integration of mobile platforms in daily financial management. This rise in adoption has facilitated rapid scaling for challengers; for example, Nu Holdings reported in 2025 that Nubank attained 127 million customers across Brazil, Mexico, and Colombia, demonstrating the extensive reach of branchless banking models.

Market Challenge

A critical hurdle obstructing the Global Digital Banking Market is the enduring threat to data integrity and cybersecurity. As financial entities move sensitive processes to digital platforms, they inadvertently widen the attack surface for sophisticated cybercriminals. This vulnerability compels banks to navigate a difficult environment where the need for strict security protocols often conflicts with user expectations for seamless, instant access. As a result, the fear of data breaches weakens the consumer trust necessary for mass adoption, while the reputational and financial costs associated with fraud incidents redirect capital away from growth-oriented innovations.

The magnitude of this impediment is underscored by recent industry statistics regarding the prevalence of these threats. The Association for Financial Professionals noted in 2024 that 79% of organizations reported being victims of actual or attempted payment fraud. This figure highlights the severity of the operational environment, where a continuous stream of attacks leads to substantial regulatory pressure and liability. These factors collectively hinder market expansion, as prospective users remain cautious of digital channels and institutions struggle to maintain a balance between protection and performance.

Market Trends

The integration of embedded finance into non-financial platforms is fundamentally changing the distribution of banking services, extending beyond consumer payments to complex business-to-business applications. Financial institutions are increasingly inserting treasury management, procurement, and lending capabilities directly into supply chain interfaces and Enterprise Resource Planning (ERP) systems, enabling businesses to execute financial tasks without exiting their primary workflows. This seamless integration notably improves liquidity management and operational efficiency for corporate clients. Validating this shift, Mastercard's November 2025 'Embedded Finance Affects Cash Flow' report found that 84% of organizations integrating payments into procurement platforms saw measurable gains in cash flow management.

Simultaneously, the move toward cloud-native core banking infrastructure has accelerated as institutions aim to replace rigid legacy systems with agile, scalable architectures. This transition is driven not only by cost reduction but by the strategic necessity to support rapid product deployment and integration with third-party ecosystems. By adopting containerized environments and microservices, banks can independently update specific components, ensuring continuous service delivery and faster adaptation to market changes. According to the London Stock Exchange Group's 'Financial Services Cloud Adoption' survey in July 2025, 87% of firms increased their cloud spending over the previous two years to drive innovation and scalability, confirming the industry-wide departure from on-premise data centers.

Key Market Players

• Oracle Corporation
• SAP SE
• Tata Consultancy Services Limited
• Temenos Headquarters SA
• Worldline S.A.
• Citigroup Inc.
• Deutsche Bank AG
• UBS Group AG

Report Scope

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

Digital Banking Market, By Banking

• Retail
• Corporate
• Investment

Digital Banking Market, By Service

• Transactional
• Non-Transactional

Digital Banking Market, By Mode

• Online Banking Platforms
• Mobile Banking Apps

Digital Banking Market, By End-User

• Individuals
• Government Organizations
• Corporate

Digital 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 Digital Banking Market.

Available Customizations:

Global Digital 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 Digital Banking Market Outlook

• 5.1. Market Size & Forecast
  • 5.1.1. By Value
• 5.2. Market Share & Forecast
  • 5.2.1. By Banking (Retail, Corporate, Investment)
  • 5.2.2. By Service (Transactional, Non-Transactional)
  • 5.2.3. By Mode (Online Banking Platforms, Mobile Banking Apps)
  • 5.2.4. By End-User (Individuals, Government Organizations, Corporate)
  • 5.2.5. By Region
  • 5.2.6. By Company (2025)
• 5.3. Market Map

6. North America Digital Banking Market Outlook

• 6.1. Market Size & Forecast
  • 6.1.1. By Value
• 6.2. Market Share & Forecast
  • 6.2.1. By Banking
  • 6.2.2. By Service
  • 6.2.3. By Mode
  • 6.2.4. By End-User
  • 6.2.5. By Country
• 6.3. North America: Country Analysis
  • 6.3.1. United States Digital 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 Banking
      • 6.3.1.2.2. By Service
      • 6.3.1.2.3. By Mode
      • 6.3.1.2.4. By End-User
  • 6.3.2. Canada Digital 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 Banking
      • 6.3.2.2.2. By Service
      • 6.3.2.2.3. By Mode
      • 6.3.2.2.4. By End-User
  • 6.3.3. Mexico Digital 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 Banking
      • 6.3.3.2.2. By Service
      • 6.3.3.2.3. By Mode
      • 6.3.3.2.4. By End-User

7. Europe Digital Banking Market Outlook

• 7.1. Market Size & Forecast
  • 7.1.1. By Value
• 7.2. Market Share & Forecast
  • 7.2.1. By Banking
  • 7.2.2. By Service
  • 7.2.3. By Mode
  • 7.2.4. By End-User
  • 7.2.5. By Country
• 7.3. Europe: Country Analysis
  • 7.3.1. Germany Digital 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 Banking
      • 7.3.1.2.2. By Service
      • 7.3.1.2.3. By Mode
      • 7.3.1.2.4. By End-User
  • 7.3.2. France Digital 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 Banking
      • 7.3.2.2.2. By Service
      • 7.3.2.2.3. By Mode
      • 7.3.2.2.4. By End-User
  • 7.3.3. United Kingdom Digital 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 Banking
      • 7.3.3.2.2. By Service
      • 7.3.3.2.3. By Mode
      • 7.3.3.2.4. By End-User
  • 7.3.4. Italy Digital 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 Banking
      • 7.3.4.2.2. By Service
      • 7.3.4.2.3. By Mode
      • 7.3.4.2.4. By End-User
  • 7.3.5. Spain Digital 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 Banking
      • 7.3.5.2.2. By Service
      • 7.3.5.2.3. By Mode
      • 7.3.5.2.4. By End-User

8. Asia Pacific Digital Banking Market Outlook

• 8.1. Market Size & Forecast
  • 8.1.1. By Value
• 8.2. Market Share & Forecast
  • 8.2.1. By Banking
  • 8.2.2. By Service
  • 8.2.3. By Mode
  • 8.2.4. By End-User
  • 8.2.5. By Country
• 8.3. Asia Pacific: Country Analysis
  • 8.3.1. China Digital 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 Banking
      • 8.3.1.2.2. By Service
      • 8.3.1.2.3. By Mode
      • 8.3.1.2.4. By End-User
  • 8.3.2. India Digital 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 Banking
      • 8.3.2.2.2. By Service
      • 8.3.2.2.3. By Mode
      • 8.3.2.2.4. By End-User
  • 8.3.3. Japan Digital 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 Banking
      • 8.3.3.2.2. By Service
      • 8.3.3.2.3. By Mode
      • 8.3.3.2.4. By End-User
  • 8.3.4. South Korea Digital 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 Banking
      • 8.3.4.2.2. By Service
      • 8.3.4.2.3. By Mode
      • 8.3.4.2.4. By End-User
  • 8.3.5. Australia Digital 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 Banking
      • 8.3.5.2.2. By Service
      • 8.3.5.2.3. By Mode
      • 8.3.5.2.4. By End-User

9. Middle East & Africa Digital Banking Market Outlook

• 9.1. Market Size & Forecast
  • 9.1.1. By Value
• 9.2. Market Share & Forecast
  • 9.2.1. By Banking
  • 9.2.2. By Service
  • 9.2.3. By Mode
  • 9.2.4. By End-User
  • 9.2.5. By Country
• 9.3. Middle East & Africa: Country Analysis
  • 9.3.1. Saudi Arabia Digital 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 Banking
      • 9.3.1.2.2. By Service
      • 9.3.1.2.3. By Mode
      • 9.3.1.2.4. By End-User
  • 9.3.2. UAE Digital 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 Banking
      • 9.3.2.2.2. By Service
      • 9.3.2.2.3. By Mode
      • 9.3.2.2.4. By End-User
  • 9.3.3. South Africa Digital 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 Banking
      • 9.3.3.2.2. By Service
      • 9.3.3.2.3. By Mode
      • 9.3.3.2.4. By End-User

10. South America Digital Banking Market Outlook

• 10.1. Market Size & Forecast
  • 10.1.1. By Value
• 10.2. Market Share & Forecast
  • 10.2.1. By Banking
  • 10.2.2. By Service
  • 10.2.3. By Mode
  • 10.2.4. By End-User
  • 10.2.5. By Country
• 10.3. South America: Country Analysis
  • 10.3.1. Brazil Digital 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 Banking
      • 10.3.1.2.2. By Service
      • 10.3.1.2.3. By Mode
      • 10.3.1.2.4. By End-User
  • 10.3.2. Colombia Digital 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 Banking
      • 10.3.2.2.2. By Service
      • 10.3.2.2.3. By Mode
      • 10.3.2.2.4. By End-User
  • 10.3.3. Argentina Digital 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 Banking
      • 10.3.3.2.2. By Service
      • 10.3.3.2.3. By Mode
      • 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 Digital 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. Oracle 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. SAP SE
• 15.3. Tata Consultancy Services Limited
• 15.4. Temenos Headquarters SA
• 15.5. Worldline S.A.
• 15.6. Citigroup Inc.
• 15.7. Deutsche Bank AG
• 15.8. UBS Group AG

16. Strategic Recommendations

17. About Us & Disclaimer