Personal Computer (PC) Digital Banking Market Report 2025

The personal computer (PC) digital banking market size has grown rapidly in recent years. It will grow from $14.85 billion in 2024 to $16.71 billion in 2025 at a compound annual growth rate (CAGR) of 12.5%. Growth in the historic period was driven by increasing internet connectivity, rising consumer demand for convenience, growing security concerns, the shift from physical branches to digital platforms, and supportive regulatory measures promoting digital transformation in banking.

The personal computer (PC) digital banking market size is expected to see rapid growth in the next few years. It will grow to $26.43 billion in 2029 at a compound annual growth rate (CAGR) of 12.1%. Growth in the forecast period is expected to be driven by increasing consumer preference for digital and seamless banking experiences, rising demand for contactless transactions, expanded remote banking services, greater promotion of digital banking adoption, and growing focus on financial inclusion. Key trends projected for this period include advancements in enhanced security protocols, development of user-friendly web-based platforms, innovations in real-time analytics and interactive dashboards, progress in seamless omnichannel experiences, and the integration of automation in banking operations.

The growing internet penetration is expected to drive growth in the personal computer (PC) digital banking market in the coming years. Internet penetration measures how widely internet access is available and utilized across regions, and its expansion is supported by affordable high-speed services, improved telecom infrastructure, and declining data costs. High-speed internet enables real-time access to digital banking services on PCs, allowing users to perform transactions, monitor accounts, and manage finances remotely without visiting physical bank branches. For example, in October 2023, the International Telecommunication Union reported that global internet usage reached 93%, approaching universal coverage, while usage in low-income countries increased to 27% from 24% in 2022. This widespread connectivity is supporting the growth of PC-based digital banking solutions.

Companies in the PC digital banking market are increasingly adopting contactless payment solutions to improve fraud detection, operational efficiency, and resource optimization. Contactless payment monitoring tools leverage data-driven strategies to identify high-risk transactions, user behaviors, and merchant categories, helping institutions detect fraud early and streamline operations. For instance, in June 2024, Much Better, a UK-based wearable pay tech provider, launched a contactless payment ring as part of its Much Better ADD suite. The ring uses a proprietary IoT platform to convert wearables into secure, tokenized payment and identification devices, making payments more convenient and secure while challenging traditional retail pricing models for wearable payment products.

In March 2022, SoFi Technologies Inc., a US-based online bank and personal finance company, acquired Technisys S.à r.l. for an undisclosed amount. This acquisition allows SoFi to enhance its PC digital banking capabilities by integrating Technisys’s cloud-native core banking platform, providing a more personalized, scalable, and efficient digital banking experience. Technisys, based in Canada, specializes in PC-based digital banking solutions, supporting SoFi’s expansion in the digital financial services sector.

Major players in the personal computer (pc) digital banking market are JPMorgan Chase & Co., Bank of America Corporation, Citigroup Inc., Banco Santander S.A., Wells Fargo & Company, HSBC Holdings Plc, Mitsubishi UFJ Financial Group Inc., Royal Bank of Canada, BNP Paribas, Toronto-Dominion Bank, ING Group, Sumitomo Mitsui Financial Group Inc., UBS Group AG, Deutsche Bank AG, Barclays PLC, Intesa Sanpaolo S.p.A., Commonwealth Bank of Australia, Australia and New Zealand Banking Group Limited, EdgeVerve Systems Limited, Temenos AG.

North America was the largest region in the personal computer (PC) digital banking market in 2024. Asia-Pacific is expected to be the fastest-growing region in the forecast period. The regions covered in personal computer (PC) digital banking report are Asia-Pacific, Western Europe, Eastern Europe, North America, South America, Middle East and Africa. The countries covered in the personal computer (PC) digital banking market report are Australia, Brazil, China, France, Germany, India, Indonesia, Japan, Russia, South Korea, UK, USA, Canada, Italy, Spain.

Note that the outlook for this market is being affected by rapid changes in trade relations and tariffs globally. The report will be updated prior to delivery to reflect the latest status, including revised forecasts and quantified impact analysis. The report’s Recommendations and Conclusions sections will be updated to give strategies for entities dealing with the fast-moving international environment.

The rapid escalation of U.S. tariffs and the resulting trade tensions in spring 2025 are significantly impacting the financial sector, particularly in investment strategies and risk management. Heightened tariffs have fueled market volatility, prompting cautious behavior among institutional investors and increasing demand for hedging instruments. Banks and asset managers are facing higher costs associated with cross-border transactions, as tariffs disrupt global supply chains and dampen corporate earnings, key drivers of equity market performance. Insurance companies, meanwhile, are grappling with increased claims risks tied to supply chain disruptions and trade-related business losses. Additionally, reduced consumer spending and weakened export demand are constraining credit growth and investment appetite. The sector must now prioritize diversification, digital transformation, and robust scenario planning to navigate the heightened economic uncertainty and protect profitability.

Personal computer (PC) digital banking refers to using personal computers to access and manage banking services through digital platforms. It enables users to perform financial transactions, such as checking account balances, transferring funds, paying bills, and managing investments, online anytime and anywhere with an internet connection.

The main components of PC digital banking include software, hardware, and services. Software consists of programs, instructions, or data that operate computers and execute specific banking tasks. Deployment modes include on-premises and cloud-based solutions. Digital payment solutions cover mobile payments, online payments, and contactless payments, applied across retail banking, corporate banking, and investment banking. Key end users include individuals, small and medium-sized enterprises, and large enterprises.

The personal computer (PC) digital banking market research report is one of a series of new reports that provides personal computer (PC) digital banking market statistics, including personal computer (PC) digital banking industry global market size, regional shares, competitors with a personal computer (PC) digital banking market share, personal computer (PC) digital banking market segments, market trends and opportunities, and any further data you may need to thrive in the personal computer (PC) digital banking industry. This personal computer (PC) digital banking market research report delivers a complete perspective of everything you need, with an in-depth analysis of the current and future scenario of the industry.

The personal computer (PC) digital banking market consists of revenues earned by entities by providing services such as online account management, fund transfer, bill payments, loan applications, investment tracking, and financial planning. The market value includes the value of related goods sold by the service provider or included within the service offering. The personal computer (PC) digital banking market also includes sales of authentication tools, security tools, and customer relationship management (CRM) systems. Values in this market are ‘factory gate’ values, that is the value of goods sold by the manufacturers or creators of the goods, whether to other entities (including downstream manufacturers, wholesalers, distributors and retailers) or directly to end customers. The value of goods in this market includes related services sold by the creators of the goods.

The market value is defined as the revenues that enterprises gain from the sale of goods and/or services within the specified market and geography through sales, grants, or donations in terms of the currency (in USD unless otherwise specified).

The revenues for a specified geography are consumption values that are revenues generated by organizations in the specified geography within the market, irrespective of where they are produced. It does not include revenues from resales along the supply chain, either further along the supply chain or as part of other products.

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