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Strategic Intelligence: Digital Banking

Publisher GlobalData
Published Nov 06, 2025
SKU # GBDT20601984

Description

Strategic Intelligence: Digital Banking

Summary

This report provides an in-depth analysis of the global digital banking market. It explores how changing consumer preferences, regulatory developments, and rapid technological innovation are transforming the competitive landscape. The report maps the digital banking value chain across six core segments, including compliance foundations, modern core platforms, digital experience hubs, operational infrastructure, embedded finance, and lifestyle ecosystems. The report will help financial institutions align their strategies with emerging customer needs, evaluate digital investments, and identify new opportunities for growth and retention.

Digital banking is no longer a supplementary channel. It has become the foundation of modern financial services. By combining advanced technologies with evolving customer expectations, digital banking enables seamless, accessible, and highly personalized banking experiences. This transformation is occurring at speed and on a global scale, with the sector expected to grow at a compound annual growth rate of 11.3%, reaching $16.2 trillion by 2030. Key drivers include the expansion of mobile adoption, automation powered by AI, cloud-based infrastructure, and the rapid rise of embedded finance.

Scope
  • 71% of global consumers prefer digital channels such as mobile apps or online banking for routine financial activities.
  • Mass affluent customers are highly engaged with digital banking but still rely on branches for complex or high-value services such as mortgage applications.
  • Traditional banks are losing ground to fintechs and neobanks that offer faster, more intuitive, and highly personalized digital experiences.
  • Embedded finance and artificial intelligence are key areas for banks seeking to improve net promoter scores and increase product cross-sell.
Reasons to Buy
  • Understand how digital banking is transforming financial services from both front-end user interfaces and back-end infrastructure.
  • Access consumer behavior data from GlobalData’s proprietary surveying to support digital strategy and product design.
  • Identify key areas of disruption across the digital banking value chain and assess where innovation and investment are most needed.
  • Benchmark leading institutions and technology providers to evaluate emerging threats and potential partners.
  • Use market forecasts, competitive analysis, and customer data to inform strategic planning and business development.

Table of Contents

Executive Summary
Players
Thematic Briefing
User-friendliness is key to digital banking
Using improved digital literacy for optimal use of digital banking services
Enhancing banking accessibility through digitalization
The role of AI in elevating digital banking services
Trends
Technology trends
Macroeconomic trends
Regulatory trends
Industry Analysis
Market size and growth forecasts
Regional dynamics
Key growth drivers
Key challenges
Long-term outlook
Timeline
Value Chain
Compliance and regulatory foundations
Regtech
Licensing innovation
Embedded compliance
Next-generation banking platforms
Core banking platforms
Data interoperability
Two-speed IT strategy
Infrastructure for seamless operations
Middleware orchestration
Zero-trust security frameworks
Financial utilities and enablers
Digital experience hubs
Embedded finance and lifestyle ecosystems
Embedded finance
Platform ecosystem
Companies
Incumbent banks and credit unions
Incumbent-built or owned digital banks
New independent digital banks
Subsidiaries of non-bank and tech companies
Technology vendors
Retail Banking Sector Scorecard
Who’s who
Thematic screen
Valuation screen
Risk screen
Glossary
Further Reading
GlobalData reports
Our Thematic Research Methodology
About GlobalData
Contact Us
List of Tables
Table 1: Technology trends
Table 2: Macroeconomic trends
Table 3: Regulatory trends
Table 4: Incumbent banks and credit unions
Table 5: Incumbent-built or owned digital banks
Table 6: New independent digital banks
Table 7: Subsidiaries of non-bank and tech companies
Table 8: Technology vendors
Table 9: Glossary
Table 10:: GlobalData reports
List of Figures
Figure 1: Who are the leading players in digital banking, and where do they sit in the value chain?
Figure 2: Preferred channel when opening a new account, globally, 2021–24
Figure 3: The digital banking story
Figure 4: The digital banking value chain
Figure 5: The digital banking value chain - Compliance and regulatory foundations
Figure 6: The digital banking value chain - Next-generation banking platforms
Figure 7: The digital banking value chain - Infrastructure for seamless operation
Figure 8: The digital banking value chain - Digital experience hubs
Figure 9: The digital banking value chain - Embedded finance and lifestyle ecosystems
Figure 10: Who does what in the retail banking space?
Figure 11: Thematic screen
Figure 12: Valuation screen
Figure 13: Risk screen
Figure 14: Our five-step approach for generating a sector scorecard

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