The integration of new features in digital banking apps—such as managing digital receipts, subscriptions, disputes, and returns—offers enhanced convenience and transparency for consumers in the evolving post-pandemic environment. Financial institutions must adapt their digital banking strategies to address changing consumer expectations in an increasingly digital world where seamless user experiences are a top priority.

This report examines the current digital banking landscape and key trends shaping consumer preferences and financial institutions’ strategies. It is based on a Datos Insights survey of 2,568 consumers across the U.S., U.K., Brazil, and Australia conducted in Q4 2023.
Clients of Datos Insights’ Retail Banking & Payments or Fraud & AML service can download this report.
About the Author
Ron van Wezel
Ron van Wezel is a Strategic Advisor in Retail Banking & Payments for Datos Insights, providing research and advisory services to clients globally. Ron is a renowned expert in digital banking and payments, advising clients on a wide range of topics that includes merchant acquiring, card issuing, real-time payments, open banking, payment software platforms, and the application of AI in optimizing...