數位銀行市場規模、佔有率和成長分析（按組件、部署類型、銀行類型、銀行模式、最終用戶和地區）- 產業預測 2025-2032

2023 年全球數位銀行市場規模價值 105.3 億美元，預計將從 2024 年的 119.2 億美元成長到 2032 年的 321.4 億美元，預測期內（2025-2032 年）的複合年成長率為 13.2%。

由於提供付款、投資、保險、貸款和資產管理等廣泛金融服務的金融科技公司不斷增多，全球數位銀行市場預計將加速成長。精通科技的消費者更喜歡這些平台，因為它們提供無縫的用戶體驗，鼓勵銀行與金融科技和第三方應用程式合作。此次合作使客戶能夠更好地控制自己的財務，同時最佳化銀行基礎設施，而無需進行重大的系統維修。 WhatsApp Pay 和 PhonePe 等即時付款服務的激增進一步增加了對強大銀行基礎設施的需求。特別是，Visa 以 53 億美元收購 Plaid 凸顯了雲端基礎方案在數位銀行中日益成長的重要性。預計到 2022 年，將有超過 1.97 億美國使用數位銀行，北美仍然是關鍵的成長地區。

目錄

介紹

• 調查目的
• 研究範圍
• 定義

調查方法

• 資訊採購
• 次要和主要資料方法
• 市場規模預測
• 市場假設與限制

執行摘要

• 全球市場展望
• 供需趨勢分析
• 細分機會分析

市場動態及展望

• 市場概況
• 市場規模
• 市場動態
  • 促進因素和機會
  • 限制與挑戰
• 波特的分析

主要市場考察

• 關鍵成功因素
• 競爭程度
• 主要投資機會
• 市場生態系統
• 市場吸引力指數（2024 年）
• PESTEL 分析
• 總體經濟指標
• 價值鏈分析
• 定價分析

數位銀行市場規模按組成部分

• 市場概況
• 平台
• 服務
• 專業服務
  • 諮詢
  • 執行
  • 支援和維護
• 託管服務
• 交易服務
  • 現金存取
  • 資金轉帳
  • 自動提款/自動存款服務
  • 貸款
• 非交易服務
  • 資訊安全
  • 風險管理
  • 財務規劃
  • 股票建議

按部署類型分類的數位銀行市場規模

• 市場概況
• 本地
• 雲

按銀行類型分類的數位銀行市場規模

• 市場概況
• 零售銀行
• 公司銀行
• 投資銀行

按銀行模式分類的數位銀行市場規模

• 市場概況
• 網路銀行
• 行動銀行

按最終用戶分類的數位銀行市場規模

• 市場概況
• 個人
  • 網路銀行平台
  • 行動銀行應用程式
• 政府
  • 網路銀行平台
  • 行動銀行應用程式
• 企業
  • 網路銀行平台
  • 行動銀行應用程式

數位銀行市場規模

• 北美洲
  • 美國
  • 加拿大
• 歐洲
  • 德國
  • 西班牙
  • 法國
  • 英國
  • 義大利
  • 其他歐洲國家地區
• 亞太地區
  • 中國
  • 印度
  • 日本
  • 韓國
  • 其他亞太地區
• 拉丁美洲
  • 巴西
  • 其他拉丁美洲國家
• 中東和非洲
  • 海灣合作理事會國家
  • 南非
  • 其他中東和非洲地區

競爭資訊

• 前 5 家公司對比
• 主要企業市場定位（2024年）
• 主要市場參與者所採用的策略
• 近期市場趨勢
• 公司市場佔有率分析（2024 年）
• 主要企業簡介
  • 公司詳細資訊
  • 產品系列分析
  • 公司分部佔有率分析
  • 收益與前一年同期比較對比（2022-2024 年）

主要企業簡介

• 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）

結論和建議

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