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Future of Mobile Banking: Trends Driving Change,
Proven by 26 Use Cases

Discover the future trends in mobile banking to create secure, high-performing apps that engage users, drive innovation, promote growth, and ensure long-term success.

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Now is the moment to upgrade. Mobile banking now serves a diverse range of users—from Gen Z to Baby Boomers— each with their own expectations and needs. With AI and digital innovations changing customer expectations so quickly, the chance to lead the industry is slipping away. Banks that carefully review existing mobile platforms and adopt a customer-first strategy that values sustainability and inclusivity can stay flexible and competitive.

What will you learn from this e-book?

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Key mobile banking statistics

The mobile banking sector is evolving beyond simple convenience with tech innovations, shifting customer needs, and fierce competition. Check out valuable statistics that reveal this transformation and offer insights to secure a competitive edge.

Different consumer expectations

With 62% of users relying on apps daily, every generation has its unique preferences. Discover what each group, from Baby Boomers to Gen Z, expects and learn how to adapt your digital services to boost their satisfaction and stay ahead.

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18 trends shaping mobile banking

Keeping up with the latest trends is key to creating high-performing apps. From advanced personalization and seamless integration to enhanced security—explore 18 breakthrough, AI-driven innovations and emerging trends that keep users engaged, boost growth, and secure lasting success.

26 real-world use cases

Dive into more than twenty practical examples that showcase real-life applications of mobile banking trends among the industry’s biggest players, demonstrating how innovative solutions can truly make a difference.

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Future of Mobiled Banking: Trends Driving Change, Proven by 26 Use Cases

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    Check what’s inside

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    Hyper-personalization powered by AI and data analytics

    Since 72% of consumers find personalized financial services highly important, hyper-personalization has become one of the key AI trends in mobile banking that boosts customer satisfaction and loyalty.

    Super apps combining multiple services

    Well-established in the Asian market, super apps are transforming how users access a wide range of sophisticated features through a single platform. Western countries are now also starting to recognize the potential of this solution.

    Robo-advising for smarter investing

    As the demand for automated investment solutions continues to rise, robo-advisors emerge as a powerful feature within the mobile banking sector. By 2028, assets managed by such assistants are expected to reach $2.33 trillion globally.

    Design inspired by popular social media apps

    Personalization is no longer optional in financial services; it’s a key driver of customer loyalty and satisfaction. Consumers now expect the same tailored experiences they receive in other industries, and banks are beginning to prioritize this demand.

    In-app education for enhancing financial literacy

    Integrating educational resources into apps is one of the latest trends in mobile banking aimed at making finance more accessible for different age groups, from kids and young adults to older generations.

    Sustainable and ethical banking

    Sustainability is becoming a top priority for consumers, and banks are taking notice. Many users now prefer financial institutions that embrace ethical practices, with 85% of adults willing to contribute personally to environmental and sustainability efforts.

    Switching between lite and pro mode within one app

    As one of the future trends of mobile banking, offering multiple usage modes lets customers choose the interface that best fits their needs. While lite mode is perfect for casual users who prefer simplicity, pro mode caters to those seeking advanced features.

    Open banking integration statistics
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    A robo-advisor is working on the computer
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    A young woman is searching info on her mobile and numbers related to mobile banking expectations across generations
    Statistics on the state of mobile banking
    Mobile phones and logos of ING bank and Bank of America

    Get to know our subject expert

    Andrzej Puczyk

    Andrzej Puczyk

    Head of Delivery
    Responsible for overseeing all internal processes and implementing top-tier infrastructure, with 13+ years of mobile app development experience. He stays current with all projects, supports teams in delivering top-notch services, and ensures effective collaboration with clients for efficient and innovative digital solutions.