APO RESEARCH · REPORT
Digital Banking
Digital banking is a move to online banking, where banking services are provided over the Internet.Over the years, the market for digital channel platforms has evolved from online and mobile specific banking solutions to digital banking platforms that are not related to channels.Advanced and mature digital banking platforms are highly flexible and can integrate many different banking services through a good interactive user interface (UI) or customer experience.This factor is the main reason why global companies have such a strong pull on digital banking.In addition, Banks are now under enormous pressure to improve operational efficiency and reduce bank costs while providing advanced next-generation digital banking services.Digital banking platform vendors are now developing smart and smart banking platforms to meet the needs of Banks and customers.This includes the need for channel integration support and dynamic customer experience to make core banking easier to implement, as well as the devices customers want to use or are interested in and affordable.The digital banking industry is relatively fragmented, with many small and new companies.Large global companies are mainly located in the us and Europe.American and European companies have a long history and an unshakable position in this field.The main markets for digital banking are in developed countries.North America has the largest market for digital banking platforms in terms of revenue generation.The regional market was driven by the early adoption of digital technology in banking.The asia-pacific market is expected to grow at a good pace during the forecast period.Strong growth in IT infrastructure and significant investment in digital banking by public and private companies are expected to support growth in the regional market.North America had a 37 percent market share in 2018, followed by Europe with 38 percent.The asia-pacific consumer market is growing even faster, however, with a market share of only 20 percent in 2018.In the rest of Asia Pacific, the Australian market is developing relatively well.In 2018, pc-based digital banking accounted for about 67% of the market share, and most of the products of the market belong to pc-based digital banking. In 2018, the market share of mobile digital banking was 33%. It is expected that the number of mobile digital banking will increase significantly in the next few years.Small and medium-sized enterprises (smes) are still the main application group in the market, accounting for about 59% of the market share in 2018. The development rate of smes is faster than that of large enterprises. By 2025, the market share of smes will expand to 60%.The development of digital Banks in China is relatively backward compared with that in Europe and the United States. Many large enterprises are still in the financing stage, and the market is expected to develop rapidly in the next few years.
Product & engineering
Understand the product.
Digital banking is a move to online banking, where banking services are provided over the Internet.Over the years, the market for digital channel platforms has evolved from online and mobile specific banking solutions to digital banking platforms that are not related to channels.Advanced and mature digital banking platforms are highly flexible and can integrate many different banking services through a good interactive user interface (UI) or customer experience.This factor is the main reason why global companies have such a strong pull on digital banking.In addition, Banks are now under enormous pressure to improve operational efficiency and reduce bank costs while providing advanced next-generation digital banking services.Digital banking platform vendors are now developing smart and smart banking platforms to meet the needs of Banks and customers.This includes the need for channel integration support and dynamic customer experience to make core banking easier to implement, as well as the devices customers want to use or are interested in and affordable.The digital banking industry is relatively fragmented, with many small and new companies.Large global companies are mainly located in the us and Europe.American and European companies have a long history and an unshakable position in this field.The main markets for digital banking are in developed countries.North America has the largest market for digital banking platforms in terms of revenue generation.The regional market was driven by the early adoption of digital technology in banking.The asia-pacific market is expected to grow at a good pace during the forecast period.Strong growth in IT infrastructure and significant investment in digital banking by public and private companies are expected to support growth in the regional market.North America had a 37 percent market share in 2018, followed by Europe with 38 percent.The asia-pacific consumer market is growing even faster, however, with a market share of only 20 percent in 2018.In the rest of Asia Pacific, the Australian market is developing relatively well.In 2018, pc-based digital banking accounted for about 67% of the market share, and most of the products of the market belong to pc-based digital banking. In 2018, the market share of mobile digital banking was 33%. It is expected that the number of mobile digital banking will increase significantly in the next few years.Small and medium-sized enterprises (smes) are still the main application group in the market, accounting for about 59% of the market share in 2018. The development rate of smes is faster than that of large enterprises. By 2025, the market share of smes will expand to 60%.The development of digital Banks in China is relatively backward compared with that in Europe and the United States. Many large enterprises are still in the financing stage, and the market is expected to develop rapidly in the next few years.
Selected research
Industry Research
Digital Banking Industry Research Report 2026
Market perspective
Digital banking is a move to online banking, where banking services are provided over the Internet.Over the years, the market for digital channel platforms has evolved from online and mobile specific banking solutions to digital banking platforms that are not related to channels.Advanced and mature digital banking platforms are highly flexible and can integrate many different banking services through a good interactive user interface (UI) or customer experience.This factor is the main reason why global companies have such a strong pull on digital banking.In addition, Banks are now under enormous pressure to improve operational efficiency and reduce bank costs while providing advanced next-generation digital banking services.Digital banking platform vendors are now developing smart and smart banking platforms to meet the needs of Banks and customers.This includes the need for channel integration support and dynamic customer experience to make core banking easier to implement, as well as the devices customers want to use or are interested in and affordable.The digital banking industry is relatively fragmented, with many small and new companies.Large global companies are mainly located in the us and Europe.American and European companies have a long history and an unshakable position in this field.The main markets for digital banking are in developed countries.North America has the largest market for digital banking platforms in terms of revenue generation.The regional market was driven by the early adoption of digital technology in banking.The asia-pacific market is expected to grow at a good pace during the forecast period.Strong growth in IT infrastructure and significant investment in digital banking by public and private companies are expected to support growth in the regional market.North America had a 37 percent market share in 2018, followed by Europe with 38 percent.The asia-pacific consumer market is growing even faster, however, with a market share of only 20 percent in 2018.In the rest of Asia Pacific, the Australian market is developing relatively well.In 2018, pc-based digital banking accounted for about 67% of the market share, and most of the products of the market belong to pc-based digital banking. In 2018, the market share of mobile digital banking was 33%. It is expected that the number of mobile digital banking will increase significantly in the next few years.Small and medium-sized enterprises (smes) are still the main application group in the market, accounting for about 59% of the market share in 2018. The development rate of smes is faster than that of large enterprises. By 2025, the market share of smes will expand to 60%.The development of digital Banks in China is relatively backward compared with that in Europe and the United States. Many large enterprises are still in the financing stage, and the market is expected to develop rapidly in the next few years.
The leading market for digital banking is the United States, with about 50% of the market, followed by Europe, with about 30%.
Major enterprises include SAP, Misys, Q2, Kony, Infosys, etc., with the top three accounting for about 45%.
Read the full market overview
Report Scope
This report quantifies the global Digital Banking market in terms of revenue (US$ million) and, where applicable, service volume (), using 2024 as the base year and providing annual historical and forecast data for 2021–2032.
It standardizes definitions of service Types and end-use Applications, harmonizes provider attribution, and delivers comparable time series by company, Type, Application, and region or country, including indicative price bands (US$/) and concentration ratios (CR5/CR10). Outputs are intended to support service design, budgeting, capacity planning, and benchmarking for providers, platforms, channel partners, and investors; the report also reviews technology shifts and notable service innovations relevant to Digital Banking.
Key Companies & Market Share Insights
This section profiles leading service providers with 2021–2025 results and a 2026–2032 outlook—covering revenue, market share, price bands, service portfolio and client mix, regional and channel mix, and key developments (M&A, network expansion, certifications). It also provides global revenue, average price, and—where applicable—volume metrics by provider, and calculates CR5/CR10 and rank changes to support comparative benchmarking.
Digital Banking Market by Company
Urban FT
Kony
Backbase
Technisys
Infosys
Digiliti Money
Innofis
Mobilearth
D3 Banking Technology
Alkami
Q2
Misys
SAP
Digital Banking Segment by Terminal
PC
Mobile
Digital Banking Segment by Application
Individual
SME Digital Banking
Corporate Digital Banking
Digital Banking Segment by Region
North America
United States
Canada
Mexico
Europe
Germany
France
U.K.
Italy
Spain
Russia
Netherlands
Nordic Countries
Asia-Pacific
China
Japan
South Korea
India
Australia
Taiwan
Southeast Asia
South America
Brazil
Argentina
Chile
Middle East & Africa
Saudi Arabia
Israel
United Arab Emirates
Turkey
Iran
Egypt
Key Drivers & Barriers
High-impact rendering factors and drivers have been studied in this report to aid the readers to understand the general development. Moreover, the report includes restraints and challenges that may act as stumbling blocks on the way of the players. This will assist the users to be attentive and make informed decisions related to business. Specialists have also laid their focus on the upcoming business prospects.
Reasons to Buy This Report
1. This report will help the readers to understand the competition within the industries and strategies for the competitive environment to enhance the potential profit. The report also focuses on the competitive landscape of the global Digital Banking market, and introduces in detail the market share, industry ranking, competitor ecosystem, market performance, new product development, operation situation, expansion, and acquisition. etc. of the main players, which helps the readers to identify the main competitors and deeply understand the competition pattern of the market.
2. This report will help stakeholders to understand the global industry status and trends of Digital Banking and provides them with information on key market drivers, restraints, challenges, and opportunities.
3. This report will help stakeholders to understand competitors better and gain more insights to strengthen their position in their businesses. The competitive landscape section includes the market share and rank (in volume and value), competitor ecosystem, new product development, expansion, and acquisition.
4. This report stays updated with novel technology integration, features, and the latest developments in the market
5. This report helps stakeholders to gain insights into which regions to target globally
6. This report helps stakeholders to gain insights into the end-user perception concerning the adoption of Digital Banking.
7. This report helps stakeholders to identify some of the key players in the market and understand their valuable contribution.
Chapter Outline
Chapter 1: Research objectives, research methods, data sources, data cross-validation;
Chapter 2: Introduces the report scope of the report, executive summary of different market segments (product type, application, etc), including the market size of each market segment, future development potential, and so on. It offers a high-level view of the current state of the market and its likely evolution in the short to mid-term, and long term.
Chapter 3: Provides the analysis of various market segments product types, covering the market size and development potential of each market segment, to help readers find the blue ocean market in different market segments.
Chapter 4: Provides the analysis of various market segments application, covering the market size and development potential of each market segment, to help readers find the blue ocean market in different downstream markets.
Chapter 5: Introduces executive summary of global market size, regional market size, this section also introduces the market dynamics, latest developments of the market, the driving factors and restrictive factors of the market, the challenges and risks faced by companies in the industry, and the analysis of relevant policies in the industry.
Chapter 6: Detailed analysis of Digital Banking companies’ competitive landscape, revenue market share, latest development plan, merger, and acquisition information, etc.
Chapter 7, 8, 9, 10, 11: North America, Europe, Asia Pacific, South America, Middle East and Africa segment by country. It provides a quantitative analysis of the market size and development potential of each region and its main countries and introduces the market development, future development prospects, market space, and capacity of each country in the world.
Chapter 12: Provides profiles of key players, introducing the basic situation of the main companies in the market in detail, including revenue, gross margin, product introduction, recent development, etc.
Chapter 13: The main points and conclusions of the report.
More report detail
Tables and figures
Scope & coverage.
Types
- PC
- Mobile
Applications
- Individual
- SME Digital Banking
- Corporate Digital Banking
Companies covered
- Urban FT
- Kony
- Backbase
- Technisys
- Infosys
- Digiliti Money
- Innofis
- Mobilearth
- D3 Banking Technology
- Alkami
- Q2
- Misys
- SAP
Inside the report.
1 Preface
- 1.1 Scope of Report
- 1.2 Reasons for Doing This Study
- 1.3 Research Methodology
- 1.4 Research Process
- 1.5 Data Source
- 1.5.1 Secondary Sources
- 1.5.2 Primary Sources
2 Market Overview
- 2.1 Product Definition
- 2.2 Digital Banking by Terminal
- 2.2.1 Market Value Comparison by Terminal (2021 VS 2025 VS 2032)
- 2.2.2 PC
- 2.2.3 Mobile
- 2.3 Digital Banking by Application
- 2.3.1 Market Value Comparison by Application (2021 VS 2025 VS 2032)
- 2.3.2 Individual
- 2.3.3 SME Digital Banking
- 2.3.4 Corporate Digital Banking
- 2.4 Assumptions and Limitations
3 Digital Banking Breakdown Data by Terminal
- 3.1 Global Digital Banking Historic Market Size by Terminal (2021-2026)
- 3.2 Global Digital Banking Forecasted Market Size by Terminal (2027-2032)
4 Digital Banking Breakdown Data by Application
- 4.1 Global Digital Banking Historic Market Size by Application (2021-2026)
- 4.2 Global Digital Banking Forecasted Market Size by Application (2027-2032)
5 Global Growth Trends
- 5.1 Global Digital Banking Market Perspective (2021-2032)
- 5.2 Global Digital Banking Growth Trends by Region
- 5.2.1 Global Digital Banking Market Size by Region: 2021 VS 2025 VS 2032
- 5.2.2 Digital Banking Historic Market Size by Region (2021-2026)
- 5.2.3 Digital Banking Forecasted Market Size by Region (2027-2032)
- 5.3 Digital Banking Market Dynamics
- 5.3.1 Digital Banking Industry Trends
- 5.3.2 Digital Banking Market Drivers
- 5.3.3 Digital Banking Market Challenges
- 5.3.4 Digital Banking Market Restraints
6 Market Competitive Landscape by Players
- 6.1 Global Top Digital Banking Players by Revenue
- 6.1.1 Global Top Digital Banking Players by Revenue (2021-2026)
- 6.1.2 Global Digital Banking Revenue Market Share by Players (2021-2026)
- 6.2 Global Digital Banking Industry Players Ranking, 2023 VS 2024 VS 2025
- 6.3 Global Key Players of Digital Banking Head Office and Area Served
- 6.4 Global Digital Banking Players, Product Type & Application
- 6.5 Global Digital Banking Manufacturers Established Date
- 6.6 Global Digital Banking Market CR5 and HHI
- 6.7 Global Players Mergers & Acquisition
7 North America
- 7.1 North America Digital Banking Market Size (2021-2032)
- 7.2 North America Digital Banking Market Growth Rate by Country: 2021 VS 2025 VS 2032
- 7.3 North America Digital Banking Market Size by Country (2021-2026)
- 7.4 North America Digital Banking Market Size by Country (2027-2032)
- 7.5 United States
- 7.5 United States
- 7.6 Canada
- 7.7 Mexico
8 Europe
- 8.1 Europe Digital Banking Market Size (2021-2032)
- 8.2 Europe Digital Banking Market Growth Rate by Country: 2021 VS 2025 VS 2032
- 8.3 Europe Digital Banking Market Size by Country (2021-2026)
- 8.4 Europe Digital Banking Market Size by Country (2027-2032)
- 8.5 Germany
- 8.6 France
- 8.7 U.K.
- 8.8 Italy
- 8.9 Spain
- 8.10 Russia
- 8.11 Netherlands
- 8.12 Nordic Countries
9 Asia-Pacific
- 9.1 Asia-Pacific Digital Banking Market Size (2021-2032)
- 9.2 Asia-Pacific Digital Banking Market Growth Rate by Country: 2021 VS 2025 VS 2032
- 9.3 Asia-Pacific Digital Banking Market Size by Country (2021-2026)
- 9.4 Asia-Pacific Digital Banking Market Size by Country (2027-2032)
- 9.5 China
- 9.6 Japan
- 9.7 South Korea
- 9.8 India
- 9.9 Australia
- 9.10 China Taiwan
- 9.11 Southeast Asia
10 South America
- 10.1 South America Digital Banking Market Size (2021-2032)
- 10.2 South America Digital Banking Market Growth Rate by Country: 2021 VS 2025 VS 2032
- 10.3 South America Digital Banking Market Size by Country (2021-2026)
- 10.4 South America Digital Banking Market Size by Country (2027-2032)
- 10.5 Brazil
- 10.6 Argentina
- 10.7 Chile
- 10.8 Colombia
- 10.9 Peru
11 Middle East & Africa
- 11.1 Middle East & Africa Digital Banking Market Size (2021-2032)
- 11.2 Middle East & Africa Digital Banking Market Growth Rate by Country: 2021 VS 2025 VS 2032
- 11.3 Middle East & Africa Digital Banking Market Size by Country (2021-2026)
- 11.4 Middle East & Africa Digital Banking Market Size by Country (2027-2032)
- 11.5 Saudi Arabia
- 11.6 Israel
- 11.7 United Arab Emirates
- 11.8 Turkey
- 11.9 Iran
- 11.10 Egypt
12 Players Profiled
- 12.1 Urban FT
- 12.1.1 Urban FT Company Information
- 12.1.2 Urban FT Business Overview
- 12.1.3 Urban FT Revenue in Digital Banking Business (2021-2026)
- 12.1.4 Urban FT Digital Banking Product Portfolio
- 12.1.5 Urban FT Recent Developments
- 12.2 Kony
- 12.2.1 Kony Company Information
- 12.2.2 Kony Business Overview
- 12.2.3 Kony Revenue in Digital Banking Business (2021-2026)
- 12.2.4 Kony Digital Banking Product Portfolio
- 12.2.5 Kony Recent Developments
- 12.3 Backbase
- 12.3.1 Backbase Company Information
- 12.3.2 Backbase Business Overview
- 12.3.3 Backbase Revenue in Digital Banking Business (2021-2026)
- 12.3.4 Backbase Digital Banking Product Portfolio
- 12.3.5 Backbase Recent Developments
- 12.4 Technisys
- 12.4.1 Technisys Company Information
- 12.4.2 Technisys Business Overview
- 12.4.3 Technisys Revenue in Digital Banking Business (2021-2026)
- 12.4.4 Technisys Digital Banking Product Portfolio
- 12.4.5 Technisys Recent Developments
- 12.5 Infosys
- 12.5.1 Infosys Company Information
- 12.5.2 Infosys Business Overview
- 12.5.3 Infosys Revenue in Digital Banking Business (2021-2026)
- 12.5.4 Infosys Digital Banking Product Portfolio
- 12.5.5 Infosys Recent Developments
- 12.6 Digiliti Money
- 12.6.1 Digiliti Money Company Information
- 12.6.2 Digiliti Money Business Overview
- 12.6.3 Digiliti Money Revenue in Digital Banking Business (2021-2026)
- 12.6.4 Digiliti Money Digital Banking Product Portfolio
- 12.6.5 Digiliti Money Recent Developments
- 12.7 Innofis
- 12.7.1 Innofis Company Information
- 12.7.2 Innofis Business Overview
- 12.7.3 Innofis Revenue in Digital Banking Business (2021-2026)
- 12.7.4 Innofis Digital Banking Product Portfolio
- 12.7.5 Innofis Recent Developments
- 12.8 Mobilearth
- 12.8.1 Mobilearth Company Information
- 12.8.2 Mobilearth Business Overview
- 12.8.3 Mobilearth Revenue in Digital Banking Business (2021-2026)
- 12.8.4 Mobilearth Digital Banking Product Portfolio
- 12.8.5 Mobilearth Recent Developments
- 12.9 D3 Banking Technology
- 12.9.1 D3 Banking Technology Company Information
- 12.9.2 D3 Banking Technology Business Overview
- 12.9.3 D3 Banking Technology Revenue in Digital Banking Business (2021-2026)
- 12.9.4 D3 Banking Technology Digital Banking Product Portfolio
- 12.9.5 D3 Banking Technology Recent Developments
- 12.10 Alkami
- 12.10.1 Alkami Company Information
- 12.10.2 Alkami Business Overview
- 12.10.3 Alkami Revenue in Digital Banking Business (2021-2026)
- 12.10.4 Alkami Digital Banking Product Portfolio
- 12.10.5 Alkami Recent Developments
- 12.11 Q2
- 12.11.1 Q2 Company Information
- 12.11.2 Q2 Business Overview
- 12.11.3 Q2 Revenue in Digital Banking Business (2021-2026)
- 12.11.4 Q2 Digital Banking Product Portfolio
- 12.11.5 Q2 Recent Developments
- 12.12 Misys
- 12.12.1 Misys Company Information
- 12.12.2 Misys Business Overview
- 12.12.3 Misys Revenue in Digital Banking Business (2021-2026)
- 12.12.4 Misys Digital Banking Product Portfolio
- 12.12.5 Misys Recent Developments
- 12.13 SAP
- 12.13.1 SAP Company Information
- 12.13.2 SAP Business Overview
- 12.13.3 SAP Revenue in Digital Banking Business (2021-2026)
- 12.13.4 SAP Digital Banking Product Portfolio
- 12.13.5 SAP Recent Developments
13 Report Conclusion
14 Disclaimer
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