October 9, 2025
Digital banking apps report 2025
We spend a lot of time talking about “digital transformation” in banking. But sometimes, the most valuable insights come from simply asking people what they actually want.
Our latest research looks at how people across the UK, Spain, Greece, and Poland engage with their banking apps. The findings of this digital banking apps report 2025 might not be surprising, but they’re worth paying close attention to. Expectations are rising. Users want more than just faster load times or a cleaner design (though those still matter). What they’re really looking for is clarity, context, and control over their money.
This isn’t about chasing trends or piling on features. It’s about trust. For many, the app is the bank; it’s where the relationship happens. Get that wrong, and you don’t just lose a download. You lose a customer.
If you’re in the early stages of building a banking app, focus on the foundation: enriched, actionable data. Get the data layer right, and you’ll be in a much better position to build features that truly resonate.
Already have an app in the market? Maybe engagement is flat, retention is slipping, or customers are quietly disappearing. This report may help explain why. From how often people check their app to which notifications they actually respond to, the signals are there, and they can point the way to smarter product decisions.
What stands out to us is the persistent gap between what users expect and what most apps deliver. There is a lot of talk around innovation, but often it fails in execution. Small friction points, vague alerts, irrelevant recommendations, all of these add up. And users notice.
Users don’t leave their banks because they expect magic from the app. They leave because the basics aren’t working. The future of digital banking won’t be won by the flashiest app, but by the one that’s the most useful, the most intuitive, and the most thoughtful.
So whether you’re building from scratch or improving what you already have, the message from our recent digital banking apps report 2025 is simple: Start with real insights. Build with care. And make the basics feel effortless.