行動銀行市場－全球產業規模、佔有率、趨勢、機會與預測：按類型、平台、部署類型、最終用戶、地區和競爭格局分類，2021-2031年

全球行動銀行市場預計將經歷強勁成長，從 2025 年的 42.1 億美元成長到 2031 年的 113.6 億美元，複合年成長率為 17.99%。

行動支付服務是指讓客戶能夠透過智慧型手機和平板電腦等行動裝置遠端進行金融交易的服務。高速網際網路的普及和行動裝置的廣泛應用推動了該行業的發展。這種數位轉型催生了一個蓬勃發展的經濟體。根據全球行動通訊系統協會（GSMA）預測，到2024年，全球整體行動支付服務預計將促成約1,080億筆交易，總價值約1.7兆美元。

然而，行動銀行業面臨著與安全漏洞和詐欺相關的重大障礙，這可能會阻礙其發展。日益複雜的網路威脅對用戶資料和金融資產構成嚴重風險，並可能損害消費者信任。這些安全問題對行動銀行永續發展構成重大障礙，因為對安全漏洞的擔憂可能會使用戶不願使用這些數位平台。

市場促進因素

行動銀行的快速發展主要得益於智慧型手機普及率的提高和全球高速網路存取範圍的擴大。隨著電信網路擴展到以往服務不足的地區，金融機構正利用這種連接性提供遠端服務，從而減少客戶對實體分店的需求。這種技術進步顯著降低了准入門檻，使數百萬用戶能夠透過行動裝置使用先進的金融工具。根據全球行動通訊系統協會（GSMA）發布的《2024年行動網路連線狀況報告》，截至2024年10月，全球將有超過46億人（佔全球人口的57%）使用行動網路。

同時，各國政府為促進無現金數位經濟所採取的舉措，透過鼓勵電子支付和推動普惠金融，正在加速這一趨勢的普及。監管機構正在實施相關政策，以減少現金使用，提高透明度，並將未享有銀行帳戶納入金融體系，從而推動行動優先銀行模式的轉變。這些數位化習慣正日益根深蒂固。根據英國金融協會發布的《2024年支付市場報告》預測，到2023年，預計將有42%的成年人註冊至少一項行動支付服務；而美國銀行等主要金融機構則表示，到2024年，其認證的數位用戶數量將達到約5800萬。

市場挑戰

安全漏洞和詐欺行為對行動銀行市場的成長構成重大阻礙。當個人財務資料的安全性受到質疑時，使用者信任度會顯著下降。這種信任的喪失會導致用戶猶豫是否採用行動應用程式，或將其使用範圍限制在小額交易，從而有效抑制了整體市場規模。此外，不斷演變的網路威脅也帶來了營運風險，迫使金融機構將投資資金轉向防禦而非服務提升，進一步減緩了產業發展。

近期數據顯示，營運環境對財務狀況的影響巨大，凸顯了這項挑戰的嚴峻性。全球反詐騙聯盟估計，到2024年，全球因詐騙造成的損失將達到1.03兆美元。如此廣泛的金融風險引發了消費者的謹慎情緒，並凸顯了數位管道固有的風險，直接阻礙了其市場滲透。因此，出於安全考慮，潛在用戶仍然傾向於使用傳統銀行方式來保護其資產。

市場趨勢

隨著金融機構從實驗階段轉向全面部署生成式人工智慧，人工智慧驅動的超個人化正在改變行動銀行。這項技術使銀行能夠即時分析大量資料集，並直接在用戶的儀錶板上提供客製化的金融諮詢和預測性現金流分析。這使得行動應用從被動工具轉變為主動助手。這種策略性轉變透過提高交叉銷售轉換率轉化為收入成長。根據英偉達於2025年2月發布的《2025年金融服務業人工智慧現況報告》，約70%的受訪金融專業人士表示，他們對人工智慧的投資使其年收入至少成長了5%。

同時，開放銀行API生態系統正在為互聯互通樹立新標準，使第三方開發者能夠與傳統銀行基礎設施無縫整合。這一趨勢正在推動嵌入式金融的發展，透過讓客戶無需離開其首選的數位平台即可存取全面的管理工具和即時信貸，從而創造一個安全的金融數據聚合環境。其影響深遠。萬事達卡2025年1月發布的報告《建構開放銀行時代的信任》指出，全球85%的企業正在利用開放銀行解決方案來最佳化其財務管理和支付流程。

目錄

第1章概述

第2章調查方法

第3章執行摘要

第4章：客戶評價

第5章：全球行動銀行市場展望

• 市場規模及預測
  • 按金額
• 市佔率及預測
  • 按類型（無線應用通訊協定(WAP)、簡訊銀行、非結構化補充業務資料 (USSD)、獨立行動應用程式、其他）
  • 按平台（Android、iOS、其他）
  • 依部署類型（雲端、本機部署）
  • 依最終用戶（個人、企業）分類
  • 按地區
  • 按公司（2025 年）
• 市場地圖

第6章：北美行動銀行市場展望

• 市場規模及預測
• 市佔率及預測
• 北美洲：國家分析
  • 美國
  • 加拿大
  • 墨西哥

第7章：歐洲行動銀行市場展望

• 市場規模及預測
• 市佔率及預測
• 歐洲：國家分析
  • 德國
  • 法國
  • 英國
  • 義大利
  • 西班牙

第8章：亞太地區行動銀行市場展望

• 市場規模及預測
• 市佔率及預測
• 亞太地區：國家分析
  • 中國
  • 印度
  • 日本
  • 韓國
  • 澳洲

第9章：中東和非洲行動銀行市場展望

• 市場規模及預測
• 市佔率及預測
• 中東和非洲：國家分析
  • 沙烏地阿拉伯
  • 阿拉伯聯合大公國
  • 南非

第10章：南美行動銀行市場展望

• 市場規模及預測
• 市佔率及預測
• 南美洲：國家分析
  • 巴西
  • 哥倫比亞
  • 阿根廷

第11章 市場動態

• 促進要素
• 任務

第12章 市場趨勢與發展

• 併購
• 產品發布
• 最新進展

第13章：全球行動銀行市場：SWOT分析

第14章：波特五力分析

• 產業競爭
• 新進入者的可能性
• 供應商電力
• 顧客權力
• 替代品的威脅

第15章 競爭格局

• Bank of America Corporation
• US Bancorp
• Wells Fargo & Company
• JPMorgan Chase & Co.
• Capital One Financial Corporation
• PNC Financial Services Group, Inc.
• Ally Financial Inc.
• Discover Financial Services
• Varo Bank, NA
• Quontic Bank

第16章 策略建議

第17章：關於研究公司及免責聲明

The Global Mobile Banking Market is projected to experience robust growth, expanding from USD 4.21 Billion in 2025 to USD 11.36 Billion by 2031, representing a CAGR of 17.99%. Defined as a service enabling customers to execute financial operations remotely via handheld devices like smartphones and tablets, the industry is fueled by the widespread availability of high-speed internet and the ubiquity of mobile hardware. This digital transformation has generated substantial activity; according to the GSMA, mobile money services facilitated roughly 108 billion transactions worth nearly $1.7 trillion globally in 2024.

However, the industry faces significant obstacles regarding security vulnerabilities and fraud, which threaten to undermine its progress. As cyber threats become increasingly sophisticated, they present serious risks to user data and financial assets, potentially eroding consumer confidence. These security issues constitute a formidable barrier to the sustained growth of the mobile banking sector, as the fear of compromise can deter users from embracing these digital platforms.

Market Driver

The surge in mobile banking is fundamentally underpinned by increasing global smartphone penetration and the widening accessibility of high-speed internet. As telecommunications networks reach into previously underserved areas, financial institutions are utilizing this connectivity to provide remote services, thereby reducing the need for physical branch interactions. This technological expansion significantly lowers entry barriers, allowing millions to access sophisticated financial tools via handheld devices; the GSMA's 'State of Mobile Internet Connectivity Report 2024' noted that by October 2024, over 4.6 billion individuals, or 57 percent of the global population, were using mobile internet.

Simultaneously, government efforts to promote cashless digital economies are accelerating adoption by incentivizing electronic payments and fostering financial inclusion. Regulatory authorities are implementing policies to discourage cash usage, aiming to enhance transparency and bring unbanked populations into the formal financial fold, which encourages a shift toward mobile-first banking. UK Finance's 'Payment Markets Report 2024' revealed that 42 percent of adults had registered for at least one mobile payment service by 2023, while major entities like Bank of America reported approximately 58 million verified digital users in 2024 as these digital habits become entrenched.

Market Challenge

Security vulnerabilities and fraud act as substantial obstacles to the growth of the mobile banking market, significantly diminishing user confidence when the safety of personal financial data is called into question. This erosion of trust often results in a hesitancy to adopt mobile applications or restricts usage to low-value transactions, effectively capping total market volume. Furthermore, evolving cyber threats introduce operational risks that compel institutions to redirect investment capital toward defensive measures rather than service enhancements, further decelerating the sector's development.

The severity of this challenge is underscored by recent data highlighting the financial impact of the operating environment, with the Global Anti-Scam Alliance estimating global losses to scams and fraud at $1.03 trillion in 2024. Such extensive financial exposure creates a cautious consumer base and emphasizes the inherent risks of digital channels, serving as a direct impediment to wider market penetration. Consequently, security concerns continue to drive potential users back toward traditional banking methods to ensure the protection of their assets.

Market Trends

AI-Driven Hyper-Personalization is transforming mobile banking as institutions move from experimental phases to the full-scale implementation of generative AI. This technology enables banks to analyze massive datasets in real-time, providing users with customized financial advice and predictive cash flow insights directly on their dashboards, thereby shifting mobile apps from passive tools to proactive assistants. This strategic evolution enhances revenue by boosting conversion rates for cross-selling; according to NVIDIA's 'State of AI in Financial Services 2025' report from February 2025, nearly 70 percent of financial professionals surveyed stated that AI investments yielded an annual revenue increase of at least 5 percent.

In parallel, Open Banking API Ecosystems are setting new standards for interconnectivity by allowing third-party developers to integrate seamlessly with traditional banking infrastructure. This trend facilitates the growth of embedded finance, enabling customers to access comprehensive management tools and instant credit without leaving their preferred digital platforms, thus fostering a secure environment for financial data aggregation. The impact of this is significant, as Mastercard's January 2025 report, 'Building trust in the age of open banking,' indicated that 85 percent of businesses globally are leveraging open banking solutions to optimize their financial management and payment workflows.

Key Market Players

• Bank of America Corporation
• U.S. Bancorp
• Wells Fargo & Company
• JPMorgan Chase & Co.
• Capital One Financial Corporation
• PNC Financial Services Group, Inc.
• Ally Financial Inc.
• Discover Financial Services
• Varo Bank, N.A.
• Quontic Bank

Report Scope

In this report, the Global Mobile Banking Market has been segmented into the following categories, in addition to the industry trends which have also been detailed below:

Mobile Banking Market, By Type

• Wireless Application Protocol (WAP)
• SMS Banking
• Unstructured Supplementary Service Data (USSD)
• Standalone Mobile Application
• Others

Mobile Banking Market, By Platform

• Android
• IOS
• Others

Mobile Banking Market, By Deployment Type

• Cloud
• On-Premises

Mobile Banking Market, By End User

• Individual
• Enterprise

Mobile Banking Market, By Region

• North America
  • United States
  • Canada
  • Mexico
• Europe
  • France
  • United Kingdom
  • Italy
  • Germany
  • Spain
• Asia Pacific
  • China
  • India
  • Japan
  • Australia
  • South Korea
• South America
  • Brazil
  • Argentina
  • Colombia
• Middle East & Africa
  • South Africa
  • Saudi Arabia
  • UAE

Competitive Landscape

Company Profiles: Detailed analysis of the major companies present in the Global Mobile Banking Market.

Available Customizations:

Global Mobile Banking Market report with the given market data, TechSci Research offers customizations according to a company's specific needs. The following customization options are available for the report:

Company Information

• Detailed analysis and profiling of additional market players (up to five).

Table of Contents

1. Product Overview

• 1.1. Market Definition
• 1.2. Scope of the Market
  • 1.2.1. Markets Covered
  • 1.2.2. Years Considered for Study
  • 1.2.3. Key Market Segmentations

2. Research Methodology

• 2.1. Objective of the Study
• 2.2. Baseline Methodology
• 2.3. Key Industry Partners
• 2.4. Major Association and Secondary Sources
• 2.5. Forecasting Methodology
• 2.6. Data Triangulation & Validation
• 2.7. Assumptions and Limitations

3. Executive Summary

• 3.1. Overview of the Market
• 3.2. Overview of Key Market Segmentations
• 3.3. Overview of Key Market Players
• 3.4. Overview of Key Regions/Countries
• 3.5. Overview of Market Drivers, Challenges, Trends

4. Voice of Customer

5. Global Mobile Banking Market Outlook

• 5.1. Market Size & Forecast
  • 5.1.1. By Value
• 5.2. Market Share & Forecast
  • 5.2.1. By Type (Wireless Application Protocol (WAP), SMS Banking, Unstructured Supplementary Service Data (USSD), Standalone Mobile Application, Others)
  • 5.2.2. By Platform (Android, IOS, Others)
  • 5.2.3. By Deployment Type (Cloud, On-Premises)
  • 5.2.4. By End User (Individual, Enterprise)
  • 5.2.5. By Region
  • 5.2.6. By Company (2025)
• 5.3. Market Map

6. North America Mobile Banking Market Outlook

• 6.1. Market Size & Forecast
  • 6.1.1. By Value
• 6.2. Market Share & Forecast
  • 6.2.1. By Type
  • 6.2.2. By Platform
  • 6.2.3. By Deployment Type
  • 6.2.4. By End User
  • 6.2.5. By Country
• 6.3. North America: Country Analysis
  • 6.3.1. United States Mobile Banking Market Outlook
    • 6.3.1.1. Market Size & Forecast
      • 6.3.1.1.1. By Value
    • 6.3.1.2. Market Share & Forecast
      • 6.3.1.2.1. By Type
      • 6.3.1.2.2. By Platform
      • 6.3.1.2.3. By Deployment Type
      • 6.3.1.2.4. By End User
  • 6.3.2. Canada Mobile Banking Market Outlook
    • 6.3.2.1. Market Size & Forecast
      • 6.3.2.1.1. By Value
    • 6.3.2.2. Market Share & Forecast
      • 6.3.2.2.1. By Type
      • 6.3.2.2.2. By Platform
      • 6.3.2.2.3. By Deployment Type
      • 6.3.2.2.4. By End User
  • 6.3.3. Mexico Mobile Banking Market Outlook
    • 6.3.3.1. Market Size & Forecast
      • 6.3.3.1.1. By Value
    • 6.3.3.2. Market Share & Forecast
      • 6.3.3.2.1. By Type
      • 6.3.3.2.2. By Platform
      • 6.3.3.2.3. By Deployment Type
      • 6.3.3.2.4. By End User

7. Europe Mobile Banking Market Outlook

• 7.1. Market Size & Forecast
  • 7.1.1. By Value
• 7.2. Market Share & Forecast
  • 7.2.1. By Type
  • 7.2.2. By Platform
  • 7.2.3. By Deployment Type
  • 7.2.4. By End User
  • 7.2.5. By Country
• 7.3. Europe: Country Analysis
  • 7.3.1. Germany Mobile Banking Market Outlook
    • 7.3.1.1. Market Size & Forecast
      • 7.3.1.1.1. By Value
    • 7.3.1.2. Market Share & Forecast
      • 7.3.1.2.1. By Type
      • 7.3.1.2.2. By Platform
      • 7.3.1.2.3. By Deployment Type
      • 7.3.1.2.4. By End User
  • 7.3.2. France Mobile Banking Market Outlook
    • 7.3.2.1. Market Size & Forecast
      • 7.3.2.1.1. By Value
    • 7.3.2.2. Market Share & Forecast
      • 7.3.2.2.1. By Type
      • 7.3.2.2.2. By Platform
      • 7.3.2.2.3. By Deployment Type
      • 7.3.2.2.4. By End User
  • 7.3.3. United Kingdom Mobile Banking Market Outlook
    • 7.3.3.1. Market Size & Forecast
      • 7.3.3.1.1. By Value
    • 7.3.3.2. Market Share & Forecast
      • 7.3.3.2.1. By Type
      • 7.3.3.2.2. By Platform
      • 7.3.3.2.3. By Deployment Type
      • 7.3.3.2.4. By End User
  • 7.3.4. Italy Mobile Banking Market Outlook
    • 7.3.4.1. Market Size & Forecast
      • 7.3.4.1.1. By Value
    • 7.3.4.2. Market Share & Forecast
      • 7.3.4.2.1. By Type
      • 7.3.4.2.2. By Platform
      • 7.3.4.2.3. By Deployment Type
      • 7.3.4.2.4. By End User
  • 7.3.5. Spain Mobile Banking Market Outlook
    • 7.3.5.1. Market Size & Forecast
      • 7.3.5.1.1. By Value
    • 7.3.5.2. Market Share & Forecast
      • 7.3.5.2.1. By Type
      • 7.3.5.2.2. By Platform
      • 7.3.5.2.3. By Deployment Type
      • 7.3.5.2.4. By End User

8. Asia Pacific Mobile Banking Market Outlook

• 8.1. Market Size & Forecast
  • 8.1.1. By Value
• 8.2. Market Share & Forecast
  • 8.2.1. By Type
  • 8.2.2. By Platform
  • 8.2.3. By Deployment Type
  • 8.2.4. By End User
  • 8.2.5. By Country
• 8.3. Asia Pacific: Country Analysis
  • 8.3.1. China Mobile Banking Market Outlook
    • 8.3.1.1. Market Size & Forecast
      • 8.3.1.1.1. By Value
    • 8.3.1.2. Market Share & Forecast
      • 8.3.1.2.1. By Type
      • 8.3.1.2.2. By Platform
      • 8.3.1.2.3. By Deployment Type
      • 8.3.1.2.4. By End User
  • 8.3.2. India Mobile Banking Market Outlook
    • 8.3.2.1. Market Size & Forecast
      • 8.3.2.1.1. By Value
    • 8.3.2.2. Market Share & Forecast
      • 8.3.2.2.1. By Type
      • 8.3.2.2.2. By Platform
      • 8.3.2.2.3. By Deployment Type
      • 8.3.2.2.4. By End User
  • 8.3.3. Japan Mobile Banking Market Outlook
    • 8.3.3.1. Market Size & Forecast
      • 8.3.3.1.1. By Value
    • 8.3.3.2. Market Share & Forecast
      • 8.3.3.2.1. By Type
      • 8.3.3.2.2. By Platform
      • 8.3.3.2.3. By Deployment Type
      • 8.3.3.2.4. By End User
  • 8.3.4. South Korea Mobile Banking Market Outlook
    • 8.3.4.1. Market Size & Forecast
      • 8.3.4.1.1. By Value
    • 8.3.4.2. Market Share & Forecast
      • 8.3.4.2.1. By Type
      • 8.3.4.2.2. By Platform
      • 8.3.4.2.3. By Deployment Type
      • 8.3.4.2.4. By End User
  • 8.3.5. Australia Mobile Banking Market Outlook
    • 8.3.5.1. Market Size & Forecast
      • 8.3.5.1.1. By Value
    • 8.3.5.2. Market Share & Forecast
      • 8.3.5.2.1. By Type
      • 8.3.5.2.2. By Platform
      • 8.3.5.2.3. By Deployment Type
      • 8.3.5.2.4. By End User

9. Middle East & Africa Mobile Banking Market Outlook

• 9.1. Market Size & Forecast
  • 9.1.1. By Value
• 9.2. Market Share & Forecast
  • 9.2.1. By Type
  • 9.2.2. By Platform
  • 9.2.3. By Deployment Type
  • 9.2.4. By End User
  • 9.2.5. By Country
• 9.3. Middle East & Africa: Country Analysis
  • 9.3.1. Saudi Arabia Mobile Banking Market Outlook
    • 9.3.1.1. Market Size & Forecast
      • 9.3.1.1.1. By Value
    • 9.3.1.2. Market Share & Forecast
      • 9.3.1.2.1. By Type
      • 9.3.1.2.2. By Platform
      • 9.3.1.2.3. By Deployment Type
      • 9.3.1.2.4. By End User
  • 9.3.2. UAE Mobile Banking Market Outlook
    • 9.3.2.1. Market Size & Forecast
      • 9.3.2.1.1. By Value
    • 9.3.2.2. Market Share & Forecast
      • 9.3.2.2.1. By Type
      • 9.3.2.2.2. By Platform
      • 9.3.2.2.3. By Deployment Type
      • 9.3.2.2.4. By End User
  • 9.3.3. South Africa Mobile Banking Market Outlook
    • 9.3.3.1. Market Size & Forecast
      • 9.3.3.1.1. By Value
    • 9.3.3.2. Market Share & Forecast
      • 9.3.3.2.1. By Type
      • 9.3.3.2.2. By Platform
      • 9.3.3.2.3. By Deployment Type
      • 9.3.3.2.4. By End User

10. South America Mobile Banking Market Outlook

• 10.1. Market Size & Forecast
  • 10.1.1. By Value
• 10.2. Market Share & Forecast
  • 10.2.1. By Type
  • 10.2.2. By Platform
  • 10.2.3. By Deployment Type
  • 10.2.4. By End User
  • 10.2.5. By Country
• 10.3. South America: Country Analysis
  • 10.3.1. Brazil Mobile Banking Market Outlook
    • 10.3.1.1. Market Size & Forecast
      • 10.3.1.1.1. By Value
    • 10.3.1.2. Market Share & Forecast
      • 10.3.1.2.1. By Type
      • 10.3.1.2.2. By Platform
      • 10.3.1.2.3. By Deployment Type
      • 10.3.1.2.4. By End User
  • 10.3.2. Colombia Mobile Banking Market Outlook
    • 10.3.2.1. Market Size & Forecast
      • 10.3.2.1.1. By Value
    • 10.3.2.2. Market Share & Forecast
      • 10.3.2.2.1. By Type
      • 10.3.2.2.2. By Platform
      • 10.3.2.2.3. By Deployment Type
      • 10.3.2.2.4. By End User
  • 10.3.3. Argentina Mobile Banking Market Outlook
    • 10.3.3.1. Market Size & Forecast
      • 10.3.3.1.1. By Value
    • 10.3.3.2. Market Share & Forecast
      • 10.3.3.2.1. By Type
      • 10.3.3.2.2. By Platform
      • 10.3.3.2.3. By Deployment Type
      • 10.3.3.2.4. By End User

11. Market Dynamics

• 11.1. Drivers
• 11.2. Challenges

12. Market Trends & Developments

• 12.1. Merger & Acquisition (If Any)
• 12.2. Product Launches (If Any)
• 12.3. Recent Developments

13. Global Mobile Banking Market: SWOT Analysis

14. Porter's Five Forces Analysis

• 14.1. Competition in the Industry
• 14.2. Potential of New Entrants
• 14.3. Power of Suppliers
• 14.4. Power of Customers
• 14.5. Threat of Substitute Products

15. Competitive Landscape

• 15.1. Bank of America Corporation
  • 15.1.1. Business Overview
  • 15.1.2. Products & Services
  • 15.1.3. Recent Developments
  • 15.1.4. Key Personnel
  • 15.1.5. SWOT Analysis
• 15.2. U.S. Bancorp
• 15.3. Wells Fargo & Company
• 15.4. JPMorgan Chase & Co.
• 15.5. Capital One Financial Corporation
• 15.6. PNC Financial Services Group, Inc.
• 15.7. Ally Financial Inc.
• 15.8. Discover Financial Services
• 15.9. Varo Bank, N.A.
• 15.10. Quontic Bank

16. Strategic Recommendations

17. About Us & Disclaimer