The Emergence of Digital Banking


Today’s financial services customers are becoming more
technically adept and are increasingly comfortable with melding self-service
channels into their day-to-day banking experiences.


Author: Ed O'Brien
Published on: July 22, 2014


In the research note, The Emergence of Digital Banking, Mercator Advisory Group reviews the transformation occurring within financial institutions as they leverage the power of online and mobile banking solutions.

“The explosive growth of smartphones and tablets, augmented by consumers’ embrace of anytime, anywhere banking, has led to a tipping point in the widespread adoption of mobile banking by an increasing number of banking customers,” comments Ed O’Brien, director of Mercator Advisory Group’s Banking Channels Advisory Service and author of the report.

This research note is 10 pages long and has 9 exhibits. 

Members of Mercator Advisory Group Banking Channels Advisory Service have access to this report as well as the upcoming research for the year ahead, presentations, analyst access and other membership benefits.
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Highlights of this report include: 

  • Mercator Advisory Group U.S. consumer survey data on rising ownership smartphones, use of smartphone and tablet banking, use of mobile banking, shift of banking activities from computer to mobile 
  • Description of the evolution of digital banking capabilities from basic account balance information and limited transfers between primary accounts to include most the transactions traditionally handled by tellers and other full-service personnel within bank branches 
  • Traditional and evolving functionality in online, mobile, and tablet banking 
  • Online and mobile services at leading U.S. banks with retail operations 



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