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 Growth & Trends
Global Digital Banking Industry Growth and Trends Forecast to 2032
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.
According to APO Research, the global Digital Banking market was valued at US$ million in 2026 and is projected to reach US$ million by 2032, implying a CAGR of xx% over 2026-2032.
Report Scope
Read the full market overview
This report provides a structured, data-driven view of the global Digital Banking market, combining harmonized quantitative metrics with targeted qualitative insight to support business and growth strategy, market positioning, and capital allocation.
The Digital Banking market size, estimates, and forecasts are presented in terms of revenue (US$ million), with 2025 as the base year and historical and forecast data for 2021-2032. The report segments the global Digital Banking market by Type, Application, region/country, and company, provides regional market sizes at the segment level, profiles the competitive landscape and key players and their market ranks, and reviews technology trends and new product developments relevant to Digital Banking.
Key Companies & Market Share Insights
This section analyzes the strategies and performance of leading companies in the global Digital Banking market, including portfolio focus, innovation and product development, mergers and acquisitions, collaborations, and geographic expansion used to sustain or enhance competitive positions. It also summarizes recent corporate developments and key financial indicators and provides global revenue and gross margin data by manufacturer for 2021-2026, enabling benchmarking of scale, profitability, and market share and supporting assessment of market concentration through indicators such as CR5 and CR10.
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
Russia
Spain
Netherlands
Switzerland
Sweden
Poland
Asia-Pacific
China
Japan
South Korea
India
Australia
Taiwan
Southeast Asia
South America
Brazil
Argentina
Chile
Middle East & Africa
Egypt
South Africa
Israel
Türkiye
GCC Countries
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 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: Introduces the report scope of the report, executive summary of global and regional market size and CAGR for the history and forecast period (2021-2025, 2026-2031). 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 2: Provides the analysis of various market segments by type, covering the market size and development potential of each market segment, to help readers find the blue ocean market in different market segments.
Chapter 3: Provides the analysis of various market segments by 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 4: Introduces the market dynamics, latest developments of the market, the driving factors and restrictive factors of the market, the challenges and risks faced by manufacturers in the industry, and the analysis of relevant policies in the industry.
Chapter 5: Detailed analysis of Digital Banking companies' competitive landscape, revenue, market share and ranking, latest development plan, merger, and acquisition information, etc.
Chapter 6: Provides profiles of key players, introducing the basic situation of the main companies in the market in detail, including product introduction, revenue, recent development, etc.
Chapter 7, 8, 9, 10 and 11: North America, Europe, Asia Pacific, South America, Middle East & Africa, revenue by country.
Chapter 12: Concluding Insights 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 Market Overview
- 1.1 Product Definition
- 1.2 Global Market Growth Prospects
- 1.3 Global Digital Banking Market Size Overview by Region 2021 VS 2025 VS 2032
- 1.4 Global Digital Banking Market Size by Region (2021-2032)
- 1.4.1 Global Digital Banking Market Size by Region (2021-2026)
- 1.4.2 Global Digital Banking Market Size by Region (2027-2032)
- 1.5 Key Regions Digital Banking Market Size (2021-2032)
- 1.5.1 North America Digital Banking Market Size Growth Rate (2021-2032)
- 1.5.2 Europe Digital Banking Market Size Growth Rate (2021-2032)
- 1.5.3 Asia-Pacific Digital Banking Market Size Growth Rate (2021-2032)
- 1.5.4 South America Digital Banking Market Size Growth Rate (2021-2032)
- 1.5.5 Middle East & Africa Digital Banking Market Size Growth Rate (2021-2032)
2 Digital Banking Market by Terminal
- 2.1 Type Introduction
- 2.1.1 PC
- 2.1.2 Mobile
- 2.2 Global Digital Banking Market Size by Terminal
- 2.2.1 Global Digital Banking Market Size Overview by Terminal (2021-2032)
- 2.2.2 Global Digital Banking Historic Market Size Review by Terminal (2021-2026)
- 2.2.3 Global Digital Banking Market Size Forecasted by Terminal (2027-2032)
- 2.3 Global Digital Banking Market Size by Regions
- 2.3.1 North America Digital Banking Market Size Breakdown by Terminal (2021-2026)
- 2.3.2 Europe Digital Banking Market Size Breakdown by Terminal (2021-2026)
- 2.3.3 Asia-Pacific Digital Banking Market Size Breakdown by Terminal (2021-2026)
- 2.3.4 South America Digital Banking Market Size Breakdown by Terminal (2021-2026)
- 2.3.5 Middle East and Africa Digital Banking Market Size Breakdown by Terminal (2021-2026)
3 Digital Banking Market by Application
- 3.1 Type Introduction
- 3.1.1 Individual
- 3.1.2 SME Digital Banking
- 3.1.3 Corporate Digital Banking
- 3.2 Global Digital Banking Market Size by Application
- 3.2.1 Global Digital Banking Market Size Overview by Application (2021-2032)
- 3.2.2 Global Digital Banking Historic Market Size Review by Application (2021-2026)
- 3.2.3 Global Digital Banking Market Size Forecasted by Application (2027-2032)
- 3.3 Global Digital Banking Market Size by Regions
- 3.3.1 North America Digital Banking Market Size Breakdown by Application (2021-2026)
- 3.3.2 Europe Digital Banking Market Size Breakdown by Application (2021-2026)
- 3.3.3 Asia-Pacific Digital Banking Market Size Breakdown by Application (2021-2026)
- 3.3.4 South America Digital Banking Market Size Breakdown by Application (2021-2026)
- 3.3.5 Middle East and Africa Digital Banking Market Size Breakdown by Application (2021-2026)
4 Global Market Dynamics
- 4.1 Digital Banking Industry Trends
- 4.2 Digital Banking Industry Drivers
- 4.3 Digital Banking Industry Opportunities and Challenges
- 4.4 Digital Banking Industry Restraints
5 Competitive Insights by Company
- 5.1 Global Top Players by Digital Banking Revenue (2021-2026)
- 5.2 Global Digital Banking Industry Company Ranking, 2024 VS 2025 VS 2026
- 5.3 Global Digital Banking Key Company Headquarters & Area Served
- 5.4 Global Digital Banking Company, Product Type & Application
- 5.5 Global Digital Banking Company Commercialization Time
- 5.6 Market Competitive Analysis
- 5.6.1 Global Digital Banking Market CR5 and HHI
- 5.6.2 Global Top 5 and 10 Digital Banking Players Market Share by Revenue in 2025
- 5.6.3 2025 Digital Banking Tier 1, Tier 2, and Tier 3
6 Company Profiles
- 6.1 Urban FT
- 6.1.1 Urban FT Company Information
- 6.1.2 Urban FT Business Overview
- 6.1.3 Urban FT Digital Banking Revenue, Global Share and Gross Margin (2021-2026)
- 6.1.4 Urban FT Digital Banking Product Portfolio
- 6.1.5 Urban FT Recent Developments
- 6.2 Kony
- 6.2.1 Kony Company Information
- 6.2.2 Kony Business Overview
- 6.2.3 Kony Digital Banking Revenue, Global Share and Gross Margin (2021-2026)
- 6.2.4 Kony Digital Banking Product Portfolio
- 6.2.5 Kony Recent Developments
- 6.3 Backbase
- 6.3.1 Backbase Company Information
- 6.3.2 Backbase Business Overview
- 6.3.3 Backbase Digital Banking Revenue, Global Share and Gross Margin (2021-2026)
- 6.3.4 Backbase Digital Banking Product Portfolio
- 6.3.5 Backbase Recent Developments
- 6.4 Technisys
- 6.4.1 Technisys Company Information
- 6.4.2 Technisys Business Overview
- 6.4.3 Technisys Digital Banking Revenue, Global Share and Gross Margin (2021-2026)
- 6.4.4 Technisys Digital Banking Product Portfolio
- 6.4.5 Technisys Recent Developments
- 6.5 Infosys
- 6.5.1 Infosys Company Information
- 6.5.2 Infosys Business Overview
- 6.5.3 Infosys Digital Banking Revenue, Global Share and Gross Margin (2021-2026)
- 6.5.4 Infosys Digital Banking Product Portfolio
- 6.5.5 Infosys Recent Developments
- 6.6 Digiliti Money
- 6.6.1 Digiliti Money Company Information
- 6.6.2 Digiliti Money Business Overview
- 6.6.3 Digiliti Money Digital Banking Revenue, Global Share and Gross Margin (2021-2026)
- 6.6.4 Digiliti Money Digital Banking Product Portfolio
- 6.6.5 Digiliti Money Recent Developments
- 6.7 Innofis
- 6.7.1 Innofis Company Information
- 6.7.2 Innofis Business Overview
- 6.7.3 Innofis Digital Banking Revenue, Global Share and Gross Margin (2021-2026)
- 6.7.4 Innofis Digital Banking Product Portfolio
- 6.7.5 Innofis Recent Developments
- 6.8 Mobilearth
- 6.8.1 Mobilearth Company Information
- 6.8.2 Mobilearth Business Overview
- 6.8.3 Mobilearth Digital Banking Revenue, Global Share and Gross Margin (2021-2026)
- 6.8.4 Mobilearth Digital Banking Product Portfolio
- 6.8.5 Mobilearth Recent Developments
- 6.9 D3 Banking Technology
- 6.9.1 D3 Banking Technology Company Information
- 6.9.2 D3 Banking Technology Business Overview
- 6.9.3 D3 Banking Technology Digital Banking Revenue, Global Share and Gross Margin (2021-2026)
- 6.9.4 D3 Banking Technology Digital Banking Product Portfolio
- 6.9.5 D3 Banking Technology Recent Developments
- 6.10 Alkami
- 6.10.1 Alkami Company Information
- 6.10.2 Alkami Business Overview
- 6.10.3 Alkami Digital Banking Revenue, Global Share and Gross Margin (2021-2026)
- 6.10.4 Alkami Digital Banking Product Portfolio
- 6.10.5 Alkami Recent Developments
- 6.11 Q2
- 6.11.1 Q2 Company Information
- 6.11.2 Q2 Business Overview
- 6.11.3 Q2 Digital Banking Revenue, Global Share and Gross Margin (2021-2026)
- 6.11.4 Q2 Digital Banking Product Portfolio
- 6.11.5 Q2 Recent Developments
- 6.12 Misys
- 6.12.1 Misys Company Information
- 6.12.2 Misys Business Overview
- 6.12.3 Misys Digital Banking Revenue, Global Share and Gross Margin (2021-2026)
- 6.12.4 Misys Digital Banking Product Portfolio
- 6.12.5 Misys Recent Developments
- 6.13 SAP
- 6.13.1 SAP Company Information
- 6.13.2 SAP Business Overview
- 6.13.3 SAP Digital Banking Revenue, Global Share and Gross Margin (2021-2026)
- 6.13.4 SAP Digital Banking Product Portfolio
- 6.13.5 SAP Recent Developments
7 North America
- 7.1 North America Digital Banking Market Size Growth Rate (CAGR) by Country: 2021 VS 2025 VS 2032
- 7.2 North America Digital Banking Market Size by Country (2021-2026)
- 7.3 North America Digital Banking Market Size Forecast by Country (2027-2032)
8 Europe
- 8.1 Europe Digital Banking Market Size Growth Rate (CAGR) by Country: 2021 VS 2025 VS 2032
- 8.2 Europe Digital Banking Market Size by Country (2021-2026)
- 8.3 Europe Digital Banking Market Size Forecast by Country (2027-2032)
9 Asia-Pacific
- 9.1 Asia-Pacific Digital Banking Market Size Growth Rate (CAGR) by Country: 2021 VS 2025 VS 2032
- 9.2 Asia-Pacific Digital Banking Market Size by Country (2021-2026)
- 9.3 Asia-Pacific Digital Banking Market Size Forecast by Country (2027-2032)
10 South America
- 10.1 South America Digital Banking Market Size Growth Rate (CAGR) by Country: 2021 VS 2025 VS 2032
- 10.2 South America Digital Banking Market Size by Country (2021-2026)
- 10.3 South America Digital Banking Market Size Forecast by Country (2027-2032)
11 Middle East & Africa
- 11.1 Middle East & Africa Digital Banking Market Size Growth Rate (CAGR) by Country: 2021 VS 2025 VS 2032
- 11.2 Middle East & Africa Digital Banking Market Size by Country (2021-2026)
- 11.3 Middle East & Africa Digital Banking Market Size Forecast by Country (2027-2032)
12 Concluding Insights
13 Appendix
- 13.1 Reasons for Doing This Study
- 13.2 Research Methodology
- 13.3 Research Process
- 13.4 Authors List of This Report
- 13.5 Data Source
- 13.5.1 Secondary Sources
- 13.5.2 Primary Sources
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