World’s Top 100 Digital Banks Ranking 2024
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.
The World’s Top 100 Digital Banks Ranking 2025 will be released on 20 February 2025.
| 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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Bryan Lo
Risk Management & Regulatory Strategy Expert
Brian Lo is a seasoned risk professional with nearly 30 years of experience across global financial institutions. Based in Hong Kong and Singapore, he has led teams in managing market and liquidity risk, counterparty risk, and asset and liability management. His expertise encompasses quantitative modelling, risk governance, stress testing, and regulatory compliance. Brian has also played a critical role in developing internal risk models, driving strategic initiatives, and advising on cutting-edge risk solutions, including AI and machine learning applications. Throughout his career, he has served on multiple risk committees, providing strategic insights to senior management and boards, and has been instrumental in implementing Basel reforms and risk management innovations. Brian’s approach integrates deep technical knowledge with practical leadership, making him a valuable contributor to banking risk management education and practice.
Urs Bolt
Chairman, The Banking Academy
Urs Bolt is a seasoned professional with over 35 years of expertise in wealth management, investment banking, and technology. He helps individuals achieve financial well-being and advises senior leaders in financial services and technology on refining business strategies, developing markets, and forging impactful partnerships. Recognised as a global thought leader in digital banking, WealthTech, and decentralised finance, Urs is an active speaker, author, and jury member for esteemed awards and panels. A passionate advocate for sustainable progress, he champions energy policies that balance economic growth and ecological preservation through scientific solutions.