₹3 lakh crore market is waiting.
Yes, you read that right. That much opportunity is already open in digital banking.

People are not going to banks like before.
They are checking balances, sending money, and even investing, all from their phones.

No long lines, no paperwork. Just a few taps.

Now think for a second. If food, travel, and shopping have all gone digital, why not banking?

Digital banking is not something coming in the future. It is already happening all around us. And it is turning into a big chance for people who are ready to take the next step.

So, if you are building a new business, working in a bank, part of a fintech team, or even someone looking to invest in something big, this is the right time to look closer at digital banking.

Some key points you should know

✅ More than 90 percent of people in the world are using smartphones. That is over 7.2 billion phones in use.

✅ A report from APA says 55 percent of bank customers now use mobile apps. Only 22 percent still use laptops or desktops.

✅ Even if you capture just 1 percent of the total global market, it can bring nearly 36 billion dollars. That is around ₹3 lakh crore in Indian value.

Global Market Overview: How Big is Digital Banking in 2025?

Every single minute, over 22 crore digital banking transactions are happening.

Yes, really.

Around 1.75 billion people are already using digital banking, and they process more than 1.4 trillion dollars every year.

Still think this is something for the future? It’s already part of daily life for billions.

In the USA, more than 1600 bank branches are closing every year. That means, on average, four banks shut their physical branches each day. People are choosing digital options because they are faster, cheaper, and more flexible.

As per PingIdentity, around 81 percent of people now prefer online banking. Most of them are using mobile apps instead of visiting branches or using desktops.

According to Statista, China is expected to earn the highest net interest income in 2025. The value is projected at 528.8 billion US dollars.

Across the globe, the digital banks market is set to touch 1.61 trillion dollars in net interest income by 2025. That shows how fast it is growing.

In 2024, the neobanking market value was 143.29 billion dollars. In 2025, it is expected to grow to 210.16 billion. And by 2032, it could reach 3.4 trillion dollars, with a yearly growth rate of 48.9 percent.

In the Asia-Pacific region, over 60 percent of people now depend only on digital platforms for banking. Countries like India, Indonesia, and Vietnam are showing a strong move toward digital-first banking.

Investors are watching this closely. Many are putting money into digital banking startups that are mobile-friendly, easy to use, and secure.

It’s clear now. Banking is changing. The future is not around the corner.
It has already started, and it is completely digital.

Digital banking Trends Stats

What’s Driving the Growth of Digital Banks?

1. People want banking that works anywhere, anytime.
Nowadays, everyone is using smartphones. People want to check their balance, pay bills, or apply for a loan from the same phone itself.

No one has time to stand in a queue or visit the branch. Everything should happen fast and without any trouble.

2. Youngsters are making the change happen.
Millennials and Gen Z are more into using apps. For them, using a mobile for banking is a normal thing. About 68 percent of millennials are using digital banking.

Nearly 64 percent of Gen Z also prefer mobile or online banking. Even 55 percent of older users from Generation X are following the same. That shows how habits are changing in India and across the world.

3. Many apps are giving banking features inside them.
This is called embedded finance. You might have seen apps where you can send money, get a loan, or even invest. All this is happening because of API banking. It makes it easy for companies to add banking services directly into their apps.

4. Digital banks save more money and give better service.
They do not need to open branches or spend on rent and staff. That is why they can give better interest rates, more features, and fast service. The cost is lower, so the benefit is greater for both banks and users.

Digital Banking usage by generation

Top Digital Banking Trends to Watch in 2025

2025 is packed with new ideas in digital banking. These trends are making apps smarter, faster, and easier to use.

1. AI tools that act like money experts
Apps now use AI to help users save money, manage their budget, and improve their spending habits. It feels like having a personal finance guide inside the app.

2. Voice banking is growing fast
Users can now talk to your app. Just say things like "Check my balance" or "Send money," and it works instantly. It saves time and feels natural.

3. Banking-as-a-Service is making it easy to build banks
Companies can now launch digital banks quickly without starting from zero. They use ready-made systems and focus more on design and customer experience.

5. Decentralized identity protects your data
Users can now control what information they share with apps. This helps keep personal data safe and private.

5. Real-time international payments are now normal
Sending money across countries takes just a few seconds. It is no longer slow or difficult.

6. ESG scores are visible inside apps
Some apps show how eco-friendly or socially responsible your spending is. This helps users make better choices.

7. Credit scores are now smarter
Banks now check more than just credit reports. They also look at income, spending habits, and job stability to decide loan offers.

8. Apps are more personalised for each user
Apps now show content based on your behaviour. They will see offers, tips, and updates that match their needs.

9. Generative AI is making apps easy for everyone
AI is helping digital banking tools become simple and accessible, even for people who are new to smartphones or banking.

11. Open-source systems are improving flexibility
Digital banks are now using open systems. This helps them improve faster and provide better services.

12. Green neobanks are getting popular
These banks support the environment. Some even plant trees when you make a payment.

What Features Make a Modern Digital Bank in 2025?

1. Smart saving tools
People want tools that round up spare change, track their spending, and suggest tips to save more. It's like having a digital piggy bank that guides you.

2. Multi-currency wallets
These are helpful for people who travel or work abroad. Users can hold different currencies in one app and avoid extra charges.

3. Simple crypto and token payments
Sending and receiving crypto is now as easy as sending normal money. Users can use digital assets like cash inside the app.

4. Instant personal loans
Many users like getting loans in just a few taps. There is no waiting or long paperwork. Loans get approved within minutes.

5. UPI-style payments and smart features
People want features like quick bill splits with friends, one-tap recharges, and instant money transfers. These small things make a big difference.

6. Virtual cards for safer shopping
For online shopping, users like using virtual cards that can be locked, paused, or deleted anytime. It gives more control and security.

7. ATM finder inside the app
Users can check where the nearest ATM is and avoid fees. The app shows free-to-use ATMs around them.

Who is Using Digital Banks in 2025?

1. Young city people
They want fast payments, useful tools, and no paperwork. Digital banks fit perfectly into their daily routine.

2. Freelancers and remote workers
They get paid online, send invoices, and handle their money without going to a bank.

3. Small business owners (SMEs)
They use digital banks to pay salaries, apply for quick credit, and manage their daily cash flow.

4. Global travelers
People who travel abroad prefer digital banks because they support many currencies and allow card-free payments.

5. First-time users with no bank history
Even those who have never had a bank account before can join now. With just a mobile phone, they can open an account and start saving.

Challenges Faced by Digital Banks in 2025

Different rules and licenses in each country
High need for online safety and data protection
Low trust from new or first-time users
Poor internet access in smaller towns and rural areas

Key Points to Stand in the Digital Banking Market

1. Login issues are a big reason people quit

Nearly 60% of users have stopped using an account or online service just because the login process was too hard. That’s a 3% increase from the previous years.

2. Passwords are tough to remember

About 59% of people try to remember their passwords without writing them down. Around 54% say they have too many passwords to keep track of.

3. Easy login can win customers

Almost 43% of users are ready to leave their current service if another brand offers a smoother and faster login experience.

4. Users expect help when login fails

If someone forgets their password or faces trouble logging in, they want help immediately. Instant support, like live chat or recovery options, makes users stay.

Different Types of Digital Banks You Should Know

1. Neobank
A bank that works only through an app or website. No branches. Everything is done online.

2. New Bank
A regular bank that starts a new digital version to offer better online services.

3. Challenger Bank
A small digital bank that tries to beat big banks by giving faster service and fewer charges.

4. Nonbank
Not a full bank, but it gives some banking features like sending money, holding wallet balance, or paying bills.

How Hashcodex Helps You Build Your Digital Bank

Hashcodex is one of the top companies for digital banking solutions. We help banks, fintech companies, and investors build their own digital banks quickly and easily. Our full package includes a core banking engine, mobile apps, card systems, support tools, and many more features.

You don’t have to wait for many months. With us, you can go live in just a few weeks.

You can choose between custom-made or ready-to-use white label solutions. We support both options based on your needs.

Hashcodex has served clients in APAC, MENA, and Europe. If you partner with us, you'll be able to grow your digital bank smoothly with the right support, the latest tools, and a faster launch.