Digital Banking Maturity 2024 (OpenAlex (recherche mondiale))

Summary

• Polish banks account for 4 out of the 40 global Digital Champions, defined as the top 10% of banks.p.3
• Europe leads all regions with 17 Digital Champions, followed by Asia with 15 and South America with 6.p.4
• In information gathering, Polish banks scored 75% on the DBM Index compared to 93% for Digital Champions.p.6
• Polish banks show a 24 p.p. adoption gap behind Digital Champions in the super apps area.p.8
• Hyperpersonalization adoption stands at 21% for Polish banks compared to 38% for Digital Champions.p.8

Key insights

1. Digital Champions are defined as the top 10% of banks delivering high functionality and superior user experience.p.3
2. Europe holds the highest concentration of Digital Champions globally with 17 banks.p.4
3. Four of the world's 40 Digital Champions originate from Poland.p.5
4. Digital Champions outperform Polish banks across all six analyzed lifecycle stages.p.6
5. Banking apps are increasingly adopting semi-formal tones and features familiar from e-commerce and social platforms.p.7
6. Polish banks trail Digital Champions by 16 p.p. in convenient banking adoption.p.8