Personal Computer (PC) Digital Banking Market Report 2026

The personal computer (pc) digital banking market size has grown rapidly in recent years. It will grow from $16.71 billion in 2025 to $18.77 billion in 2026 at a compound annual growth rate (CAGR) of 12.3%. The growth in the historic period can be attributed to expansion of internet banking services, increasing household pc penetration, growth of online bill payment usage, adoption of digital banking software by enterprises, rising demand for remote banking access.

The personal computer (pc) digital banking market size is expected to see rapid growth in the next few years. It will grow to $29.59 billion in 2030 at a compound annual growth rate (CAGR) of 12.1%. The growth in the forecast period can be attributed to increasing adoption of ai-driven customer interfaces, rising focus on cybersecurity resilience, expansion of cloud-native banking platforms, growing demand for omnichannel banking experiences, increased investment in digital financial infrastructure. Major trends in the forecast period include increasing use of pc-based digital banking platforms, rising adoption of online transaction management tools, growing integration of advanced security and authentication features, expansion of cloud-enabled banking access, enhanced focus on user experience optimization.

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 September 2024, Veritas Capital, a US-based private investment firm, acquired NCR Voyix’s Digital Banking business for $2.45 billion. With this acquisition, Veritas Capital intends to broaden its digital banking portfolio by utilizing Candescent’s cloud-based platforms to improve PC and online banking experiences for financial institutions and their clients. Candescent is a US-based provider of cloud-based digital banking solutions offering online account management, digital engagement, and customer experience tools for banks and credit unions.

Major companies operating 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 2025. Asia-Pacific is expected to be the fastest-growing region in the forecast period. The regions covered in the personal computer (pc) digital banking market report are Asia-Pacific, South East Asia, Western Europe, Eastern Europe, North America, South America, Middle East, Africa. The countries covered in the personal computer (pc) digital banking market report are Australia, Brazil, China, France, Germany, India, Indonesia, Japan, Taiwan, Russia, South Korea, UK, USA, Canada, Italy, Spain.

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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