---
title: 2024 Digital Banking Trends Report
---

[![mc--logos@2](https://hs.ethoca.com/hs-fs/hubfs/Website%20icons%20and%20images/mc--logos@2.png?width=123&height=77&name=mc--logos@2.png "mc--logos@2")](https://www.ethoca.com/)

[![new-logo-HS-1](https://hs.ethoca.com/hs-fs/hubfs/new-logo-HS-1.png?width=700&height=239&name=new-logo-HS-1.png "new-logo-HS-1")](https://www.ethoca.com/)

![Surf_bros](https://hs.ethoca.com/hs-fs/hubfs/Surf_bros.png?width=2000&height=1125&name=Surf_bros.png "Surf_bros")

# **The brink of transformation:** What's next for digital banking?

![Mac](https://hs.ethoca.com/hs-fs/hubfs/Mac.png?width=2000&height=1291&name=Mac.png "Mac")

## Consumers expect more from their digital experience

But why should merchants and issuers care? Not paying attention to consumers' changing attitudes can result in lost revenue, higher operating costs, and increased chargebacks and disputes. Our recent research with Datos uncovers some of the latest consumer attitudes around digital experience. 

## Our latest insights

![mc_icon_Agile_grn](https://hs.ethoca.com/hs-fs/hubfs/mc_icon_Agile_grn.png?width=84&height=84&name=mc_icon_Agile_grn.png "mc_icon_Agile_grn")

### 60%

Of millennials sign into their online banking 5x per week 

![mc_icon_Document-Details_grn](https://hs.ethoca.com/hs-fs/hubfs/mc_icon_Document-Details_grn.png?width=85&height=85&name=mc_icon_Document-Details_grn.png "mc_icon_Document-Details_grn")

### 79%

Of consumers reported an unrecognized purchase to their bank

![mc_icon_Customer-Service_grn](https://hs.ethoca.com/hs-fs/hubfs/mc_icon_Customer-Service_grn.png?width=85&height=85&name=mc_icon_Customer-Service_grn.png "mc_icon_Customer-Service_grn")

### 80%

Of people believe easier access to their purchase information would be helpful

 

![mc_icon_Fraud_grn-1](https://hs.ethoca.com/hs-fs/hubfs/mc_icon_Fraud_grn-1.png?width=84&height=84&name=mc_icon_Fraud_grn-1.png "mc_icon_Fraud_grn-1")

### 40%

Of consumers are finding it difficult to mange their subscriptions

![AdobeStock_533232474](https://hs.ethoca.com/hs-fs/hubfs/AdobeStock_533232474.jpeg?width=2000&height=1333&name=AdobeStock_533232474.jpeg "AdobeStock_533232474")

## Next wave of innovation

Our research suggests we’re on the brink of major shifts in consumers’ attitudes, beliefs, and habits. These changes will propel the upcoming wave of digital banking innovations that will address unmet needs. The next iteration of tools and solutions must offer a compelling next-gen experience if businesses want to win new customers while also enhancing operations and driving better financial performance.

## Download the report. 

Get the latest insights shaping the payments landscape. 

© 2025 Ethoca. All rights reserved.  
© 2025 Mastercard. All rights reserved.  
Mastercard is a registered trademark, and the circles design is a trademark, of Mastercard International Incorporated.

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