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6 Digital Banking Trends for 2025

Perficient

As we progress through 2025, the banking industry is set for substantial transformation driven by several key trends. Digital transformation will remain a powerful force, with advancements in AI and machine learning enabling unparalleled operational efficiencies and hyper-personalized customer experiences.

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Deposit Profitability – The Operating Cost of Your Deposits

South State Correspondent

A couple of weeks ago, we delved into the origination and operating costs of manufacturing commercial loans ( HERE ). We put all three of the above cost categories together, and we get the below total direct operating cost per year per account of each deposit product. Interest Cost. Adding Balances to Deposit Profitability.

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Virtual Account Numbers Facilitate International Digital Banking

PYMNTS

Banking services need to adapt to this [eCommerce] operational model, to be able to allow them to connect with their clients, with their payments service providers and with their partner. That is where digital banking and the virtual IBANs come in,” she said. Adapting To eCommerce . to name just a few.

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JPMorgan Chase To Open UK Digital Bank By Year’s End

PYMNTS

JPMorgan Chase is taking steps to open a digital bank in the U.K. The banking firm has been talking with London regulators about the idea, according to The Financial Times on Saturday (Feb. The operation will likely include savings and lending products, and it comes just two years after U.S. by the end of the year.

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The Race To The Cloud: Will Digital Banks Win?

PYMNTS

More banks are therefore moving away from legacy core systems to embrace cloud-native architectures to power automation and meet the speed expected by consumers, securely. The bank is working with technology giants Google and Microsoft to create new cloud-based tools that will use their cloud computing software.

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Increasing Digital Banking Options Put Pressure On Big Lenders To Adapt

PYMNTS

Of course, the pandemic has forced banks – like all businesses – to rethink their priorities and make adjustments to how they interface with customers. unveiled its next generation of operating software for ATMs, designed to integrate the now decades-old cash-dispensing machines into the digital age. On Monday (Oct. 5) NCR Corp.

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Deep Dive: Strategizing Transparent, Holistic Digital Banking Transformations

PYMNTS

The number of online banking customers is growing worldwide, and FIs’ consumers are coming to expect seamless digital experiences as a result. One study recently determined that the number of digital banking users is expected to exceed 3.6