World’s Top 100 Digital Banks Ranking 2023
Over the past decade, since the start of the fintech boom, the financial services sector has witnessed the emergence of hundreds of stand-alone digital banks globally. These banks have revolutionised how digitally inclined consumers save, borrow, transact, and invest.
To monitor this growing array of digital contenders, TABInsights has been assessing the performance of more than 150 leading digital banks globally since 2021, ranking them based on a balanced scorecard. This scorecard evaluates capabilities across five key dimensions: customers, market/product coverage, profitability, asset and deposit growth, and funding. Scale and size aren't the primary determinants; instead, they're weighed against factors like profitability, operational efficiencies, the ability to secure funding, and the manner in which these digital banks maintain a robust loan book and balance sheet.
The assessment encompassed over 150 leading players from 39 markets to identify the Global Top 100 Digital banks. The Top 100 are distributed across various regions: 41 from Asia Pacific, 38 from Europe, 10 from North America, five from South America, and three each from the Middle East and Africa.
| Rank | Digital Bank | Country/Headquarter | Year of launch | Customer | Coverage | Financials | Balance Sheet | Funding | Final Score | ||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| # of users | Growth /month | Users /staff | Total Score | # of markets | # of products | Total Score | ROE | Gross revenue | Revenue growth | Revenue/ user | CIR | Total Score | Assets | Deposits | LDR | Total Score | Funding | Total Score | |||||
| Score | Score | Score | 30% | Score | Score | 10% | Score | Score | Score | Score | Score | 30% | Score | Score | Score | 20% | Score | 10% | |||||
| 6 | 10 | 10 | 30.0 | 10 | 10 | 10.0 | 10 | 6 | 10 | 10 | 10 | 30.0 | 6 | 6 | 10 | 20.0 | 10 | 10.0 | 100.0 | ||||
| 1 | WeBank | China | 2015 | 6 | 5 | 7 | 20.8 | 1 | 9 | 5.0 | 9 | 4 | 2 | 1 | 8 | 15.7 | 5 | 4 | 9 | 16.4 | 2 | 2.0 | 59.8 |
| 2 | Ally Bank | US | 2009 | 3 | 1 | 1 | 5.8 | 1 | 10 | 5.5 | 8 | 4 | 1 | 10 | 6 | 18.9 | 6 | 6 | 10 | 20.0 | 8 | 8.0 | 58.2 |
| 3 | ING (Global) | Netherlands | 1991 | 4 | 0 | 1 | 5.8 | 10 | 10 | 10.0 | 6 | 5 | 0 | 7 | 3 | 13.7 | 6 | 6 | 9 | 19.1 | 8 | 8.0 | 56.6 |
| 4 | KakaoBank | South Korea | 2017 | 4 | 9 | 4 | 19.6 | 1 | 8 | 4.5 | 3 | 2 | 2 | 2 | 6 | 9.8 | 4 | 3 | 10 | 15.5 | 6 | 6.0 | 55.4 |
| 5 | Nubank | Brazil | 2014 | 5 | 9 | 4 | 20.8 | 3 | 9 | 6.0 | 0 | 3 | 5 | 2 | 3 | 8.5 | 3 | 3 | 3 | 8.2 | 6 | 6.0 | 49.4 |
| 6 | Suning Bank | China | 2017 | 5 | 2 | 7 | 16.2 | 1 | 6 | 3.5 | 7 | 2 | 1 | 1 | 10 | 13.7 | 3 | 3 | 9 | 13.6 | 2 | 2.0 | 49.0 |
| 7 | Tinkoff Bank | Russia | 2007 | 4 | 9 | 3 | 18.5 | 1 | 8 | 4.5 | 6 | 3 | 1 | 5 | 4 | 12.4 | 3 | 3 | 7 | 11.8 | 1 | 1.0 | 48.2 |
| 8 | ING | Germany | 2000 | 2 | 0 | 1 | 3.5 | 1 | 10 | 5.5 | 7 | 3 | 1 | 6 | 5 | 14.3 | 6 | 6 | 9 | 19.1 | 5 | 5.0 | 47.4 |
| 9 | MYBank | China | 2015 | 4 | 1 | 5 | 11.5 | 1 | 4 | 2.5 | 6 | 3 | 1 | 2 | 9 | 13.7 | 5 | 4 | 10 | 17.3 | 2 | 2.0 | 47.0 |
| 10 | K-Bank | South Korea | 2017 | 2 | 5 | 4 | 12.7 | 1 | 9 | 5.0 | 2 | 1 | 3 | 2 | 7 | 9.8 | 3 | 3 | 9 | 13.6 | 4 | 4.0 | 45.1 |
| 11 | SBI Sumishin Net Bank | Japan | 2007 | 2 | 2 | 3 | 8.1 | 1 | 10 | 5.5 | 6 | 1 | 1 | 4 | 5 | 11.1 | 5 | 4 | 10 | 17.3 | 1 | 1.0 | 42.9 |
| 12 | Klarna | Sweden | 2017 | 6 | 1 | 5 | 13.8 | 10 | 4 | 7.0 | 0 | 3 | 1 | 1 | 0 | 3.3 | 3 | 2 | 9 | 12.7 | 6 | 6.0 | 42.8 |
| 13 | Toss Bank | South Korea | 2021 | 2 | 10 | 4 | 18.5 | 1 | 4 | 2.5 | 0 | 1 | 10 | 1 | 0 | 7.8 | 3 | 3 | 5 | 10.0 | 3 | 3.0 | 41.8 |
| 14 | Rakuten Bank | Japan | 2001 | 3 | 2 | 4 | 10.4 | 1 | 10 | 5.5 | 6 | 2 | 1 | 2 | 5 | 10.4 | 5 | 5 | 5 | 13.6 | 1 | 1.0 | 41.0 |
| 15 | Sony Bank | Japan | 2001 | 1 | 1 | 2 | 4.6 | 1 | 10 | 5.5 | 6 | 1 | 1 | 6 | 4 | 11.7 | 4 | 3 | 10 | 15.5 | 2 | 2.0 | 39.3 |
| 16 | KCB Bank | China | 2015 | 3 | 1 | 5 | 10.4 | 1 | 4 | 2.5 | 5 | 1 | 5 | 2 | 9 | 14.3 | 2 | 2 | 8 | 10.9 | 1 | 1.0 | 39.1 |
| 17 | aiBank | China | 2017 | 6 | 2 | 6 | 16.2 | 1 | 6 | 3.5 | 4 | 2 | 2 | 1 | 8 | 11.1 | 3 | 2 | 1 | 5.5 | 2 | 2.0 | 38.2 |
| 18 | Starling Bank | UK | 2015 | 1 | 3 | 1 | 5.8 | 1 | 5 | 3.0 | 9 | 1 | 5 | 5 | 5 | 16.3 | 3 | 3 | 5 | 10.0 | 3 | 3.0 | 38.1 |
| 19 | OakNorth Bank | UK | 2015 | 1 | 1 | 1 | 3.5 | 1 | 5 | 3.0 | 7 | 1 | 1 | 10 | 9 | 18.3 | 2 | 1 | 10 | 11.8 | 1 | 1.0 | 37.5 |
| 20 | XW Bank | China | 2016 | 5 | 1 | 6 | 13.8 | 1 | 4 | 2.5 | 5 | 2 | 2 | 1 | 9 | 12.4 | 3 | 2 | 3 | 7.3 | 1 | 1.0 | 37.0 |
| 21 | Z-Bank | China | 2017 | 4 | 1 | 6 | 12.7 | 1 | 4 | 2.5 | 2 | 1 | 1 | 1 | 7 | 7.8 | 3 | 3 | 7 | 11.8 | 2 | 2.0 | 36.8 |
| 22 | C6 | Brazil | 2019 | 3 | 5 | 2 | 11.5 | 1 | 9 | 5.0 | 0 | 1 | 6 | 1 | 0 | 5.2 | 2 | 1 | 9 | 10.9 | 4 | 4.0 | 36.7 |
| 23 | Wise | UK | 2011 | 3 | 1 | 2 | 6.9 | 10 | 3 | 6.5 | 8 | 3 | 3 | 3 | 5 | 14.3 | 3 | 1 | 1 | 4.5 | 4 | 4.0 | 36.3 |
| 24 | Air Bank | Czech Republic | 2011 | 1 | 2 | 1 | 4.6 | 2 | 8 | 5.0 | 8 | 1 | 2 | 6 | 7 | 15.7 | 2 | 2 | 7 | 10.0 | 1 | 1.0 | 36.3 |
| 25 | LendingClub Bank | US | 2021 | 1 | 1 | 2 | 4.6 | 1 | 3 | 2.0 | 7 | 3 | 2 | 7 | 3 | 14.3 | 2 | 2 | 10 | 12.7 | 2 | 2.0 | 35.7 |
| 26 | ING | Australia | 1999 | 1 | 1 | 1 | 3.5 | 1 | 8 | 4.5 | 5 | 2 | 1 | 7 | 6 | 13.7 | 4 | 4 | 5 | 11.8 | 2 | 2.0 | 35.5 |
| 27 | Tangerine | Canada | 2012 | 1 | 1 | 1 | 3.5 | 1 | 7 | 4.0 | 7 | 2 | 3 | 7 | 6 | 16.3 | 4 | 4 | 3 | 10.0 | 1 | 1.0 | 34.8 |
| 28 | Axos Bank | US | 2000 | 1 | 1 | 1 | 3.5 | 1 | 8 | 4.5 | 7 | 2 | 1 | 1 | 6 | 11.1 | 3 | 3 | 9 | 13.6 | 1 | 1.0 | 33.7 |
| 29 | illimity | Italy | 2019 | 1 | 1 | 1 | 3.5 | 1 | 7 | 4.0 | 5 | 1 | 1 | 10 | 4 | 13.7 | 2 | 1 | 9 | 10.9 | 1 | 1.0 | 33.1 |
| 30 | knab | Netherlands | 2012 | 1 | 1 | 1 | 3.5 | 1 | 10 | 5.5 | 2 | 1 | 0 | 10 | 1 | 9.1 | 3 | 3 | 8 | 12.7 | 2 | 2.0 | 32.8 |
| 31 | au Jibun Bank | Japan | 2008 | 1 | 1 | 4 | 6.9 | 1 | 9 | 5.0 | 2 | 1 | 1 | 3 | 1 | 5.2 | 3 | 3 | 9 | 13.6 | 2 | 2.0 | 32.8 |
| 32 | Revolut | UK | 2015 | 4 | 1 | 2 | 8.1 | 10 | 9 | 9.5 | 2 | 3 | 2 | 2 | 1 | 6.5 | 3 | 1 | 1 | 4.5 | 4 | 4.0 | 32.6 |
| 33 | imaginBank | Spain | 2016 | 1 | 2 | 6 | 10.4 | 1 | 8 | 4.5 | 7 | 1 | 1 | 1 | 7 | 11.1 | 1 | 1 | 4 | 5.5 | 1 | 1.0 | 32.4 |
| 34 | Northmill Bank | Sweden | 2006 | 1 | 1 | 2 | 4.6 | 4 | 6 | 5.0 | 5 | 1 | 2 | 4 | 7 | 12.4 | 1 | 1 | 8 | 9.1 | 1 | 1.0 | 32.1 |
| 35 | Boursorama | France | 1995 | 1 | 4 | 3 | 9.2 | 1 | 10 | 5.5 | 0 | 1 | 1 | 2 | 0 | 2.6 | 5 | 4 | 6 | 13.6 | 1 | 1.0 | 32.0 |
| 36 | Allo Bank | Indonesia | 2021 | 2 | 6 | 4 | 13.8 | 1 | 4 | 2.5 | 4 | 1 | 6 | 1 | 6 | 11.7 | 1 | 1 | 1 | 2.7 | 1 | 1.0 | 31.8 |
| 37 | Yillion Bank | China | 2017 | 4 | 1 | 7 | 13.8 | 1 | 5 | 3.0 | 2 | 1 | 0 | 1 | 6 | 6.5 | 2 | 1 | 5 | 7.3 | 1 | 1.0 | 31.6 |
| 38 | Marcus | US | 2016 | 3 | 3 | 3 | 10.4 | 1 | 4 | 2.5 | 0 | 3 | 1 | 5 | 0 | 5.9 | 6 | 6 | 1 | 11.8 | 1 | 1.0 | 31.6 |
| 39 | Tandem | UK | 2014 | 1 | 1 | 1 | 3.5 | 1 | 6 | 3.5 | 0 | 1 | 10 | 10 | 1 | 14.3 | 1 | 1 | 8 | 9.1 | 1 | 1.0 | 31.4 |
| 40 | SeaBank | Indonesia | 2021 | 1 | 1 | 1 | 3.5 | 1 | 4 | 2.5 | 1 | 1 | 10 | 1 | 9 | 14.3 | 1 | 1 | 9 | 10.0 | 1 | 1.0 | 31.3 |
| 41 | bunq | Netherlands | 2015 | 2 | 1 | 4 | 8.1 | 10 | 7 | 8.5 | 0 | 1 | 6 | 1 | 0 | 5.2 | 1 | 1 | 7 | 8.2 | 1 | 1.0 | 31.0 |
| 42 | Airtel P Bank | India | 2017 | 6 | 5 | 7 | 20.8 | 1 | 5 | 3.0 | 1 | 1 | 2 | 1 | 0 | 3.3 | 1 | 1 | 1 | 2.7 | 1 | 1.0 | 30.8 |
| 43 | TymeBank | South Africa | 2019 | 2 | 6 | 4 | 13.8 | 1 | 5 | 3.0 | 0 | 1 | 8 | 1 | 0 | 6.5 | 1 | 1 | 5 | 6.4 | 1 | 1.0 | 30.7 |
| 44 | PayPay Bank | Japan | 2018 | 2 | 2 | 4 | 9.2 | 1 | 7 | 4.0 | 3 | 1 | 1 | 2 | 2 | 5.9 | 3 | 3 | 4 | 9.1 | 2 | 2.0 | 30.2 |
| 45 | Fortuneo | France | 2000 | 1 | 1 | 1 | 3.5 | 1 | 10 | 5.5 | 1 | 2 | 1 | 6 | 0 | 6.5 | 3 | 3 | 9 | 13.6 | 1 | 1.0 | 30.1 |
| 46 | N26 | Germany | 2015 | 2 | 1 | 3 | 6.9 | 10 | 7 | 8.5 | 0 | 1 | 3 | 1 | 0 | 3.3 | 2 | 2 | 4 | 7.3 | 4 | 4.0 | 30.0 |
| 47 | Bank Jago | Indonesia | 2020 | 2 | 3 | 4 | 10.4 | 1 | 6 | 3.5 | 1 | 1 | 5 | 1 | 2 | 6.5 | 1 | 1 | 6 | 7.3 | 2 | 2.0 | 29.7 |
| 48 | WEX Bank | US | 2000 | 1 | 1 | 1 | 3.5 | 1 | 3 | 2.0 | 9 | 3 | 1 | 5 | 2 | 13 | 2 | 1 | 8 | 10.0 | 1 | 1.0 | 29.5 |
| 49 | Trust Bank | Singapore | 2022 | 1 | 10 | 1 | 13.8 | 1 | 5 | 3.0 | 0 | 1 | 10 | 1 | 0 | 7.8 | 1 | 1 | 2 | 3.6 | 1 | 1.0 | 29.3 |
| 50 | Fjord Bank | Lithuania | 2019 | 1 | 1 | 1 | 3.5 | 4 | 5 | 4.5 | 0 | 1 | 10 | 6 | 0 | 11.1 | 1 | 1 | 8 | 9.1 | 1 | 1.0 | 29.1 |
| 51 | SoFi | US | 2011 | 2 | 1 | 1 | 4.6 | 2 | 10 | 6.0 | 0 | 3 | 2 | 7 | 0 | 7.8 | 3 | 2 | 1 | 5.5 | 5 | 5.0 | 28.9 |
| 52 | Zopa Bank | UK | 2020 | 1 | 1 | 1 | 3.5 | 1 | 5 | 3.0 | 0 | 1 | 4 | 6 | 6 | 11.1 | 1 | 1 | 8 | 9.1 | 2 | 2.0 | 28.6 |
| 53 | MOX Bank | Hong Kong | 2020 | 1 | 4 | 1 | 6.9 | 1 | 5 | 3.0 | 0 | 1 | 10 | 3 | 0 | 9.1 | 1 | 1 | 7 | 8.2 | 1 | 1.0 | 28.2 |
| 54 | NBKC | US | 1999 | 1 | 1 | 1 | 3.5 | 1 | 9 | 5.0 | 6 | 1 | 0 | 7 | 2 | 10.4 | 1 | 1 | 7 | 8.2 | 1 | 1.0 | 28.1 |
| 55 | Neon | Brazil | 2016 | 4 | 5 | 3 | 13.8 | 1 | 6 | 3.5 | 0 | 1 | 7 | 1 | 0 | 5.9 | 1 | 1 | 1 | 2.7 | 2 | 2.0 | 27.9 |
| 56 | GXS Bank | Singapore | 2022 | 1 | 10 | 1 | 13.8 | 1 | 4 | 2.5 | 0 | 1 | 10 | 1 | 0 | 7.8 | 1 | 1 | 1 | 2.7 | 1 | 1.0 | 27.9 |
| 57 | UnionDigital Bank | Philippines | 2022 | 1 | 6 | 4 | 12.7 | 1 | 3 | 2.0 | 0 | 1 | 2 | 1 | 0 | 2.6 | 1 | 1 | 8 | 9.1 | 1 | 1.0 | 27.4 |
| 58 | SweepBank | Malta | 2021 | 1 | 1 | 1 | 3.5 | 5 | 6 | 5.5 | 0 | 1 | 4 | 6 | 0 | 7.2 | 1 | 1 | 9 | 10.0 | 1 | 1.0 | 27.1 |
| 59 | Judo Bank | Australia | 2018 | 1 | 1 | 1 | 3.5 | 1 | 4 | 2.5 | 2 | 1 | 4 | 10 | 3 | 13 | 2 | 1 | 1 | 3.6 | 4 | 4.0 | 26.6 |
| 60 | Monobank | Ukraine | 2017 | 2 | 9 | 3 | 16.2 | 1 | 8 | 4.5 | 0 | 1 | 1 | 1 | 0 | 2 | 1 | 1 | 1 | 2.7 | 1 | 1.0 | 26.3 |
| 61 | Seven Bank | Japan | 2001 | 1 | 1 | 2 | 4.6 | 4 | 5 | 4.5 | 4 | 2 | 1 | 7 | 2 | 10.4 | 3 | 2 | 1 | 5.5 | 1 | 1.0 | 26.0 |
| 62 | Anext Bank | Singapore | 2022 | 1 | 1 | 1 | 3.5 | 1 | 3 | 2.0 | 0 | 1 | 10 | 5 | 0 | 10.4 | 1 | 1 | 8 | 9.1 | 1 | 1.0 | 26.0 |
| 63 | Allica Bank | UK | 2020 | 1 | 1 | 1 | 3.5 | 1 | 3 | 2.0 | 0 | 1 | 10 | 1 | 1 | 8.5 | 1 | 1 | 10 | 10.9 | 1 | 1.0 | 25.8 |
| 64 | Atom Bank | UK | 2015 | 1 | 1 | 1 | 3.5 | 1 | 4 | 2.5 | 0 | 1 | 2 | 10 | 0 | 8.5 | 2 | 2 | 6 | 9.1 | 2 | 2.0 | 25.5 |
| 65 | WeLab Bank | Hong Kong | 2020 | 1 | 1 | 1 | 3.5 | 1 | 5 | 3.0 | 0 | 1 | 10 | 1 | 0 | 7.8 | 1 | 1 | 9 | 10.0 | 1 | 1.0 | 25.3 |
| 66 | ZA Bank | Hong Kong | 2020 | 1 | 4 | 1 | 6.9 | 1 | 8 | 4.5 | 0 | 1 | 3 | 3 | 0 | 4.6 | 1 | 1 | 6 | 7.3 | 2 | 2.0 | 25.3 |
| 67 | Carbon | Nigeria | 2012 | 1 | 1 | 5 | 8.1 | 3 | 3 | 3.0 | 5 | 1 | 1 | 1 | 8 | 10.4 | 1 | 1 | 1 | 2.7 | 1 | 1.0 | 25.2 |
| 68 | Paytm P Bank | India | 2017 | 6 | 1 | 5 | 13.8 | 1 | 6 | 3.5 | 3 | 1 | 1 | 1 | 0 | 3.9 | 1 | 1 | 1 | 2.7 | 1 | 1.0 | 25.0 |
| 69 | CIMB | Philippines | 2018 | 2 | 2 | 4 | 9.2 | 1 | 6 | 3.5 | 0 | 1 | 4 | 1 | 0 | 3.9 | 1 | 1 | 6 | 7.3 | 1 | 1.0 | 24.9 |
| 70 | PAObank | Hong Kong | 2020 | 1 | 1 | 1 | 3.5 | 1 | 3 | 2.0 | 0 | 1 | 7 | 3 | 0 | 7.2 | 1 | 1 | 10 | 10.9 | 1 | 1.0 | 24.5 |
| 71 | Openbank | Spain | 1995 | 1 | 1 | 1 | 3.5 | 5 | 10 | 7.5 | 1 | 1 | 1 | 4 | 1 | 5.2 | 3 | 3 | 2 | 7.3 | 1 | 1.0 | 24.5 |
| 72 | Monzo | UK | 2015 | 2 | 1 | 2 | 5.8 | 2 | 8 | 5.0 | 0 | 1 | 5 | 2 | 0 | 5.2 | 2 | 2 | 2 | 5.5 | 3 | 3.0 | 24.4 |
| 73 | First Internet Bank | US | 1999 | 1 | 1 | 1 | 3.5 | 1 | 6 | 3.5 | 4 | 1 | 1 | 1 | 4 | 7.2 | 1 | 1 | 8 | 9.1 | 1 | 1.0 | 24.2 |
| 74 | Lunar | Denmark | 2015 | 1 | 2 | 1 | 4.6 | 3 | 8 | 5.5 | 0 | 1 | 10 | 2 | 0 | 8.5 | 1 | 1 | 3 | 4.5 | 1 | 1.0 | 24.1 |
| 75 | Chime | US | 2014 | 3 | 2 | 3 | 9.2 | 2 | 5 | 3.5 | 0 | 2 | 2 | 3 | 0 | 4.6 | 1 | 1 | 1 | 2.7 | 4 | 4.0 | 24.0 |
| 76 | Kompasbank | Denmark | 2021 | 1 | 1 | 1 | 3.5 | 1 | 2 | 1.5 | 0 | 1 | 10 | 5 | 0 | 10.4 | 1 | 1 | 6 | 7.3 | 1 | 1.0 | 23.7 |
| 77 | Aprila Bank | Norway | 2018 | 1 | 1 | 1 | 3.5 | 1 | 2 | 1.5 | 0 | 1 | 4 | 10 | 2 | 11.1 | 1 | 1 | 5 | 6.4 | 1 | 1.0 | 23.4 |
| 78 | Alex Bank | Australia | 2021 | 1 | 1 | 1 | 3.5 | 1 | 4 | 2.5 | 0 | 1 | 10 | 10 | 0 | 13.7 | 1 | 1 | 1 | 2.7 | 1 | 1.0 | 23.4 |
| 79 | livi Bank | Hong Kong | 2020 | 1 | 2 | 1 | 4.6 | 1 | 6 | 3.5 | 0 | 1 | 10 | 1 | 0 | 7.8 | 1 | 1 | 5 | 6.4 | 1 | 1.0 | 23.3 |
| 80 | Hello Bank! | France | 2013 | 1 | 1 | 2 | 4.6 | 5 | 10 | 7.5 | 0 | 1 | 1 | 2 | 0 | 2.6 | 4 | 3 | 1 | 7.3 | 1 | 1.0 | 23.0 |
| 81 | LINE BK | Thailand | 2020 | 2 | 4 | 4 | 11.5 | 1 | 5 | 3.0 | 0 | 1 | 2 | 1 | 0 | 2.6 | 1 | 1 | 3 | 4.5 | 1 | 1.0 | 22.7 |
| 82 | Curve | UK | 2018 | 1 | 1 | 4 | 6.9 | 10 | 4 | 7.0 | 0 | 1 | 2 | 1 | 0 | 2.6 | 1 | 1 | 1 | 2.7 | 3 | 3.0 | 22.3 |
| 83 | Green Link Digital Bank | Singapore | 2022 | 1 | 1 | 1 | 3.5 | 1 | 4 | 2.5 | 0 | 1 | 10 | 1 | 0 | 7.8 | 1 | 1 | 6 | 7.3 | 1 | 1.0 | 22.1 |
| 84 | Mach | Chile | 2017 | 1 | 4 | 4 | 10.4 | 1 | 7 | 4.0 | 0 | 1 | 3 | 1 | 0 | 3.3 | 1 | 1 | 1 | 2.7 | 1 | 1.0 | 21.4 |
| 85 | Orange Bank | France | 2017 | 1 | 2 | 2 | 5.8 | 2 | 5 | 3.5 | 0 | 1 | 1 | 1 | 0 | 2 | 1 | 1 | 8 | 9.1 | 1 | 1.0 | 21.3 |
| 86 | Maya Bank | Philippines | 2022 | 1 | 4 | 5 | 11.5 | 1 | 4 | 2.5 | 0 | 1 | 2 | 1 | 0 | 2.6 | 1 | 1 | 2 | 3.6 | 1 | 1.0 | 21.3 |
| 87 | NSDL P Bank | India | 2017 | 1 | 1 | 2 | 4.6 | 1 | 4 | 2.5 | 0 | 1 | 10 | 5 | 0 | 10.4 | 1 | 1 | 1 | 2.7 | 1 | 1.0 | 21.3 |
| 88 | Lydia | France | 2013 | 2 | 3 | 5 | 11.5 | 3 | 5 | 4.0 | 0 | 1 | 1 | 1 | 0 | 2 | 1 | 1 | 1 | 2.7 | 1 | 1.0 | 21.2 |
| 89 | Monabanq | France | 2006 | 1 | 1 | 1 | 3.5 | 1 | 9 | 5.0 | 0 | 1 | 1 | 2 | 0 | 2.6 | 1 | 1 | 8 | 9.1 | 1 | 1.0 | 21.2 |
| 90 | Papara | Turkey | 2016 | 3 | 1 | 5 | 10.4 | 1 | 5 | 3.0 | 1 | 1 | 2 | 1 | 1 | 3.9 | 1 | 1 | 1 | 2.7 | 1 | 1.0 | 21.0 |
| 91 | Holvi | Finland | 2011 | 1 | 1 | 1 | 3.5 | 9 | 4 | 6.5 | 0 | 1 | 4 | 6 | 0 | 7.2 | 1 | 1 | 1 | 2.7 | 1 | 1.0 | 20.9 |
| 92 | Mashreq Neo | UAE | 2017 | 1 | 1 | 5 | 8.1 | 1 | 9 | 5.0 | 0 | 1 | 2 | 3 | 0 | 3.9 | 1 | 1 | 1 | 2.7 | 1 | 1.0 | 20.7 |
| 93 | LINE Bank | Taiwan | 2021 | 1 | 5 | 2 | 9.2 | 1 | 5 | 3.0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 6 | 7.3 | 1 | 1.0 | 20.5 |
| 94 | Liv. | UAE | 2017 | 1 | 1 | 3 | 5.8 | 2 | 8 | 5.0 | 1 | 1 | 1 | 3 | 3 | 5.9 | 1 | 1 | 1 | 2.7 | 1 | 1.0 | 20.4 |
| 95 | Uala | Argentina | 2017 | 2 | 2 | 2 | 6.9 | 3 | 5 | 4.0 | 0 | 1 | 3 | 3 | 0 | 4.6 | 1 | 1 | 1 | 2.7 | 2 | 2.0 | 20.2 |
| 96 | blu | Indonesia | 2021 | 1 | 1 | 2 | 4.6 | 1 | 5 | 3.0 | 0 | 1 | 4 | 1 | 0 | 3.9 | 1 | 1 | 6 | 7.3 | 1 | 1.0 | 19.8 |
| 97 | Kuda | Nigeria | 2019 | 1 | 3 | 5 | 10.4 | 2 | 5 | 3.5 | 0 | 1 | 1 | 1 | 0 | 2 | 1 | 1 | 1 | 2.7 | 1 | 1.0 | 19.6 |
| 98 | ila | Bahrain | 2020 | 1 | 4 | 2 | 8.1 | 2 | 7 | 4.5 | 0 | 1 | 2 | 2 | 0 | 3.3 | 1 | 1 | 1 | 2.7 | 1 | 1.0 | 19.6 |
| 99 | Monese | UK | 2015 | 1 | 1 | 3 | 5.8 | 10 | 6 | 8.0 | 0 | 1 | 1 | 1 | 0 | 2 | 1 | 1 | 1 | 2.7 | 1 | 1.0 | 19.5 |
| 100 | Qonto | France | 2017 | 1 | 1 | 1 | 3.5 | 4 | 5 | 4.5 | 0 | 1 | 1 | 8 | 0 | 6.5 | 1 | 1 | 1 | 2.7 | 2 | 2.0 | 19.2 |
Notes:
- Scores for ING Global are based on group retail banking.
- Scores for ING Australia were adjusted for retail banking.
- Scores for digital banks in Japan reflect the calendar year 2022.
- Scores for payment banks in India reflect the fiscal year 2022, which concludes in March 2022.
- blu by BCA Indonesia is based on data from BCA Digital.
- Under the assessment dimension 'coverage,' we mapped the product scope of digital banks across 12 top-line products, including mortgage, personal loan, car loan, credit card, CASA account, time deposit, debit card, e-wallet, international remittances, mutual fund/fixed income, life insurance, and non-life insurance.
Source: TABInsights
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