Digital banking has changed the financial services industry. As the speed of innovation increases, the tech stack and investment strategies needed to support account holder growth and business development continues to evolve in pace.
Now in its 6th edition, The 2025 Digital Banking Performance Metrics Report explores self-reported operational metrics from America’s banks and credit unions ranging in asset size from $300M to $46B.
Analysis of this data gives light to the current state—and future—of digital banking. From features that attract account holders most to the gaps between the nation’s smaller institutions and their megabank or fintech competition.
The metrics in this report are intended to give executives perspective on the industry’s—and their own—digital banking performance. What we believe is that banks and credit unions are starting to see that digital is impacting bottom-line results beyond these metrics, and this report gives leadership the foundational data to build out their overall digital strategy cross-functionally.
- Ron Shevlin, Chief Research Officer at Cornerstone Advisors
Digital investment metrics. This section analyzes financial institutions’ digital spending trends.
Digital banking operational metrics. This section identifies ten digital banking-related areas that distinguish high performing institutions from their peers.
Digital banking features and utilization. This section looks at the current adoption and planned use of emerging digital technologies.
Conclusions. This section summarizes the findings and provides recommendations for financial institutions.
Download the report now for perspectives on the industry’s digital banking solutions performance which can support smart(er) decisions about digital investments and resources.