Digital Banking: Strategic Intelligence

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Published: November 06, 2025 Report Code: GDRB-TR-S090-TH

Report Overview
Key Players
Table of Contents

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.

Fenergo
ComplyAdvantage
Wells Fargo
Deutsche Bank
Alloy
Onfido
BBVA
Mizuho Financial Bank
Feedzai
Fourthline
ANZ
Credit Agricole
Ascent
Salv
U.S. Bank
Bank of Ireland
Elliptic
Napier
Scotiabank
Lloyds Banking Group
Solarisbank
Banking circle
Commerbank
Permanent TSB
ClearBank
Cross River Bank
CaixaBank
Raiddeisen Bank
Synapse
Evolve Bank & Trust
ANZ
Deutsche Bank
Railsr
Green Dot Bank
Wells Fargo
Marqeta
Treasury Prime
Banco Sabadell
Alloy
Hummingbird
Trulioo
IdentityMind
Unit21
ComplyAdvantage
Arachnys
FortyTwo Data
Socure
Sardine
Trustev
Sphonic
Persona
SentiLink
AU10TIX
Mitek Systems
Middesk
Idology
Jumio
Acuant
Temenos
Finacle (Infosys)
TCS BaNCS
Jack Henry & Associates
nCino
Fiserv
Misys
Sopra Banking Software
Mambu
Oracle FLEXCUBE
Avaloq
Intellect Design Arena
FIS
Thought Machine
Silverlake Axis
InfrasoftTech
10x Banking
Backbase
Path Solutions
ERI Bancaire
Plaid
Tink
FDX
Quovo
Yodlee
Akoya
OFX
ByAllAccounts
MX
Salt Edge
Kontomatik
Finleap Connect
Finicity
Basiq
Bankin’
Powens
TrueLayer
OpenWrks
eWise
Truelayer
Citi
JPMorgan Chase
Danske Bank
State Bank of India
HSBC
Goldman Sachs
Commerzbank
Mizuho Financial Group
Barclays
Bank of America
Wells Fargo
Deutsche Bank
ING
Capital One
U.S. Bank
Société Générale
DBS Bank
BBVA
Salesforce
IBM App Connect
Fiorano
OpenLegacy
WSO2
Oracle Integration Cloud
Adeptia
BizTalk Server
TIBCO
Software AG
Cleo
Apache Camel
SnapLogic
IBM
Talend
Neuron ESB
Jitterbit
Boomi
Axway
Seeburger
Cisco
Illumio
Appgate
Juniper Networks
Cloudfare
Palo Alto Networks
Cato
Check Point Software
Forcepoint
Zscaler
DentielOne
Versa Networks
SWIFT
The Clearing House
CHIPS
Automated Clearing House
NACHA
RTP Network
TARGET2
Faster Payments Service
RippleNet
Mastercard Send
SEPA
MEPS (Singapore)
EBA Clearing
FedNow Service
BACS
KFTC (Korea)
Visa Direct
RTGS.global
BEPS (China)
CNAPS (China)
Backbase
FIS Digital One
D3 Banking
Infosys Finacle Digital
Q2 Holdings
Fiserv Digital Banking
Crealogix
Sopra Banking Engage
Alkami
Oracle Digital Experience
Banno
TCS BaNCS Digital
nCino
Finastra Fusion Digital
EdgeVerve
Temenos Infinity
NCR Digital Banking
Liferay
Intellect Design Arena
Stripe
Affirm
Green Dot
Treasury Prime
Square
Klarna
Synapse
Solarisbank
Marqeta
Shopify
Galileo
Evolve Bank & Trust
Adyen
Plaid
Bond
Cross River Bank
PayPal
Railsr
Unit
BBVA Open Platform
Salesforce
Amazon Web Services
Huawei Cloud
Rackspace Technology
IBM Cloud
Google Cloud Platform
DigitalOcean
CenturyLink Cloud
Oracle Cloud
Microsoft Azure
Joyent
Hetzner Online
Alibaba Cloud
SAP Cloud Platform
OVHcloud
Virtustream
Broadcom
Tencent Cloud
Linode
Skytap

Table of Contents

1. Executive Summary

2. Players

3. Thematic Briefing

4. Trends

5. Industry Analysis

6. Value Chain

7. Companies

8. Retail Banking Sector Scorecard

9. Glossary

10. Further Reading

Digital Banking: Strategic Intelligence thematic reports

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