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銀行服務金融科技

數位銀行市場規模、佔有率和成長分析（按組件、採用類型、銀行類型、銀行模式、最終用戶和地區分類）－2026-2033年產業預測

市場調查報告書

商品編碼

1899995

數位銀行市場規模、佔有率和成長分析（按組件、採用類型、銀行類型、銀行模式、最終用戶和地區分類）－2026-2033年產業預測

Digital Banking Market Size, Share, and Growth Analysis, By Component (Platforms, Services), By Deployment Type (On-premises, Cloud), By Banking Type, By Banking Mode, By End users, By Region - Industry Forecast 2026-2033

出版日期: 2025年12月17日 | 出版商:

SkyQuest | 英文 207 Pages | 商品交期: 3-5個工作天內

價格

簡介目錄

預計到 2024 年，全球數位銀行市場規模將達到 119.2 億美元，到 2025 年將達到 134.9 億美元，到 2033 年將達到 363.8 億美元，在預測期（2026-2033 年）內，複合年成長率為 13.2%。

在創新金融科技公司湧入市場並提供包括支付、投資、保險、貸款和資產管理在內的多種服務的推動下，數位銀行業正經歷強勁成長。精通科技的客戶擴大使用這些平台，迫使傳統銀行加強與金融科技公司和第三方應用程式的整合。這種協同效應在改善客戶管理和整體使用者體驗的同時，最大限度地減少了對系統進行大規模變更的需求。對無縫數位互動日益成長的需求要求銀行確保可靠的基礎設施，尤其是在執行即時支付交易方面。雲端解決方案的日益普及也進一步推動了這項轉型。隨著越來越多的人使用數位銀行服務，市場擴張預計將會加速，尤其是在主要行業參與者持續存在的情況下。

全球數位銀行市場促進因素

全球數位銀行領域的主要市場驅動力之一是消費者對先進技術的快速接受，這顯著改變了銀行服務的提供和使用方式。智慧型手機和網路普及率的不斷提高，使客戶能夠隨時隨地存取銀行服務，從而刺激了對方便用戶使用型數位平台的需求。此外，普惠金融的趨勢正迫使銀行開發創新解決方案，以滿足尚未享受銀行帳戶的人群的需求，從而擴大基本客群。對便利性、速度和個人化銀行交易的不懈追求，正在推動整個數位銀行業產業向前發展。

全球數位銀行市場面臨的限制因素

全球數位銀行市場的主要限制因素之一是網路攻擊和資料外洩事件日益頻繁，這嚴重威脅消費者的信任和財務安全。隨著數位銀行平台的普及，它們也成為駭客利用漏洞的攻擊目標。由於擔心個人和財務資訊的安全，客戶可能對使用數位銀行服務猶豫不決。此外，監管機構正在實施嚴格的措施來保護用戶，這增加了金融機構的合規成本。這些因素可能會抑制數位銀行領域的創新和投資，最終阻礙市場成長。

全球數位銀行市場趨勢

全球數位銀行市場正經歷一場重大變革，這主要得益於行動銀行的日益普及，而行動銀行則強調便利性和永續性。隨著金融機構不斷調整以滿足消費者需求，永續投資追蹤和個人化金融解決方案等功能正日益受到青睞。「先買後付」的趨勢正在改變消費者的消費習慣，尤其是在千禧世代和Z世代中，他們對靈活的支付方式有更高的要求。增強數位付款管道優先考慮網路購物的便利性和安全性，這反映了消費者對簡化金融服務的廣泛需求。這一趨勢凸顯了消費者與銀行互動方式的根本轉變，其關注點在於便利性和負責任的投資。

北美洲
- 美國
- 加拿大
歐洲
- 德國
- 西班牙
- 法國
- 英國
- 義大利
- 其他歐洲地區
亞太地區
- 中國
- 印度
- 日本
- 韓國
- 亞太其他地區
拉丁美洲
- 巴西
- 其他拉丁美洲地區
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

前五大公司對比
主要企業的市場定位（2025 年）
主要市場參與者所採取的策略
近期市場趨勢
公司市佔率分析（2025 年）
主要企業公司簡介
- 公司詳情
- 產品系列分析
- 依業務板塊進行公司股票分析
- 2023-2025年營收年比比較

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）

結論與建議

簡介目錄

Product Code: SQMIG40A2007

Global Digital Banking Market size was valued at USD 11.92 Billion in 2024 and is poised to grow from USD 13.49 Billion in 2025 to USD 36.38 Billion by 2033, growing at a CAGR of 13.2% during the forecast period (2026-2033).

The digital banking landscape is experiencing robust growth driven by the influx of innovative fintech players offering diverse services, including payments, investments, insurance, loans, and asset management. Tech-savvy customers are increasingly inclined toward these platforms, prompting traditional banks to enhance collaborations with fintechs and third-party applications. This synergy improves customer control and overall user experience while minimizing the need for extensive systemic changes. As demand for seamless digital interactions rises, banks must ensure reliable infrastructure, particularly for executing real-time payment transactions. The growing acceptance of cloud solutions further supports this transformation. With a significant portion of the population engaging in digital banking, market expansion is poised to accelerate, especially with the continued presence of leading industry players.

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

One of the primary market drivers for the global digital banking sector is the rapid adoption of advanced technology among consumers, which has significantly transformed how banking services are delivered and consumed. The increasing penetration of smartphones and the internet is enabling customers to access banking services anytime and anywhere, leading to a demand for user-friendly digital platforms. Furthermore, the growing trend of financial inclusion is pushing banks to develop innovative solutions that cater to unbanked populations, thereby expanding their customer base. This relentless drive for convenience, speed, and personalization in banking experiences is propelling the entire digital banking landscape forward.

Restraints in the Global Digital Banking Market

One key market restraint for the global digital banking market is the increasing frequency of cyberattacks and data breaches, which pose significant threats to consumer trust and financial security. As digital banking platforms become more prevalent, they are attractive targets for hackers seeking to exploit vulnerabilities. Customers may hesitate to adopt digital banking services due to concerns about the safety of their personal and financial information. Furthermore, regulatory bodies are implementing stringent measures to protect users, increasing compliance costs for financial institutions. These factors can hinder innovation and investment in the digital banking sector, ultimately impeding market growth.

Market Trends of the Global Digital Banking Market

The Global Digital Banking market is witnessing a significant shift driven by the rising popularity of mobile banking, which emphasizes convenience and sustainability. As financial institutions adapt to consumer demands, features such as sustainable investment tracking and personalized financial solutions are gaining traction. The "buy now, pay later" trend is reshaping consumer spending habits, particularly among millennials and Gen Z, who seek flexible payment options. Enhanced digital payment platforms are prioritizing online shopping convenience and security, reflecting a broader demand for streamlined financial services. This trend underscores a fundamental transformation in how consumers engage with banking, focusing on accessibility and responsible investing.

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, 2025
PESTEL Analysis
Macro-Economic Indicators
Value Chain Analysis
Pricing Analysis

Global Digital Banking Market Size by Component & CAGR (2026-2033)

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 (2026-2033)

Market Overview
On-premises
Cloud

Global Digital Banking Market Size by Banking Type & CAGR (2026-2033)

Market Overview
Retail Banking
Corporate Banking
Investment Banking

Global Digital Banking Market Size by Banking Mode & CAGR (2026-2033)

Market Overview
Online Banking
Mobile Banking

Global Digital Banking Market Size by End users & CAGR (2026-2033)

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 (2026-2033)

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, 2025
Strategies Adopted by Key Market Players
Recent Developments in the Market
Company Market Share Analysis, 2025
Company Profiles of All Key Players
- Company Details
- Product Portfolio Analysis
- Company's Segmental Share Analysis
- Revenue Y-O-Y Comparison (2023-2025)

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