E-Banking

E-Banking Market Outlook

The global e-banking market is projected to reach approximately USD 1.25 trillion by 2035, with a compound annual growth rate (CAGR) of around 10.5% during the forecast period from 2025 to 2035. The increasing adoption of digital payment systems, the proliferation of smartphones, and the rising demand for convenient banking solutions are key factors driving this robust growth. Additionally, the need for enhanced customer experiences and the shift towards online banking models have encouraged financial institutions to invest heavily in e-banking technologies. The advent of new technologies, such as artificial intelligence, blockchain, and big data analytics, is further transforming the landscape of e-banking services, enabling banks to offer more personalized and efficient solutions to their customers. As a result, the e-banking market is poised for significant expansion over the coming years.

Growth Factor of the Market

Several growth factors contribute to the e-banking market's expansion, primarily driven by advancements in technology and changing consumer behaviors. The rapid increase in internet penetration globally has made banking services more accessible, especially in emerging markets, fostering a new wave of digital banking customers. Moreover, the rising smartphone usage facilitates mobile banking applications, allowing users to perform banking operations seamlessly from their devices. Another critical aspect is the evolving regulatory landscape, which encourages financial innovation and the adoption of secure digital payment methods. Furthermore, the COVID-19 pandemic has accelerated the shift towards digital banking solutions, as consumers and businesses seek contactless transactions and remote banking capabilities. These factors create a conducive environment for the sustained growth of the e-banking sector.

Key Highlights of the Market

• The global e-banking market is experiencing robust growth, driven by technological advancements and increased smartphone usage.
• Retail banking is the largest segment, but mobile and digital banking are rapidly gaining traction.
• AI and blockchain technologies are set to revolutionize the way banks operate and provide services to customers.
• Emerging markets exhibit strong potential for growth, owing to increasing internet penetration and smartphone adoption.
• The shift towards contactless payments and online banking has been significantly accelerated by the COVID-19 pandemic.

By Type

Retail Banking:

Retail banking constitutes a substantial segment of the e-banking market, offering services directly to consumers. With the increasing demand for personalized financial solutions, retail banks are leveraging digital platforms to enhance customer engagement and provide tailored services. The integration of online platforms allows customers to easily access their accounts, apply for loans, and manage investments. Additionally, retail banking services are being enhanced through the use of data analytics, enabling banks to better understand consumer behavior and preferences. The expansion of retail banking is further supported by the rise of digital-only banks, which provide streamlined services without traditional branch infrastructures, appealing to a tech-savvy customer base.

Corporate Banking:

Corporate banking focuses on providing services to businesses rather than individual consumers. This segment is increasingly adopting e-banking solutions to enhance operational efficiency and improve client relationships. Through e-banking platforms, corporate clients can manage their accounts, process payments, and access credit facilities with ease. The use of technology in corporate banking allows for better risk assessment and improved cash management solutions. Moreover, the integration of advanced analytics and reporting tools into corporate banking platforms empowers businesses to make informed financial decisions, thus driving the adoption of e-banking in this segment.

Investment Banking:

Investment banking is another critical segment within the e-banking market, offering services related to capital raising, mergers, and acquisitions. As more investment firms adopt digital solutions, the demand for e-banking services in this sector is growing. The use of online platforms allows investment banks to conduct transactions more seamlessly and offers clients real-time insights into their portfolios. Technological advancements, such as algorithmic trading and advanced analytics, are transforming the investment banking landscape, enabling firms to execute complex financial strategies more efficiently. The increased focus on transparency and compliance is also pushing investment banks to adopt e-banking solutions that ensure regulatory adherence while optimizing operational processes.

Digital Banking:

Digital banking encompasses a wide array of banking services provided through online platforms. This segment is witnessing tremendous growth as customers increasingly prefer the convenience of accessing their financial services digitally. Digital banks offer a full suite of services, including account management, fund transfers, and loan applications, all through user-friendly mobile and web applications. The rise of neobanks—fully digital banking solutions without traditional brick-and-mortar branches—has radically changed the landscape, appealing particularly to younger generations who prioritize convenience and accessibility. Furthermore, advancements in security technologies are enhancing customer confidence in digital banking, bolstering its adoption among the broader population.

Mobile Banking:

Mobile banking is a rapidly growing segment, driven by the widespread use of smartphones and mobile applications. With the ability to perform banking transactions anytime and anywhere, consumers increasingly favor mobile banking over traditional banking methods. This segment allows users to execute fund transfers, check account balances, and make payments with a few taps on their devices. The convenience offered by mobile banking has led to a significant increase in user adoption and engagement. Additionally, innovations such as biometric authentication and advanced security features are making mobile banking more secure and appealing to customers concerned about online fraud and data breaches.

By Service

Fund Transfers:

The fund transfer service is a cornerstone of e-banking, enabling individuals and businesses to transfer money securely and efficiently. This service is essential for both domestic and international transactions, allowing users to send and receive money without the need for physical cash. With the integration of advanced technologies such as real-time payment systems and blockchain, fund transfers have become faster and more reliable. The increasing demand for instant payment solutions is driving the growth of this service, as customers seek to complete transactions quickly and without delays. The rise of digital wallets and peer-to-peer payment applications is also contributing to the expansion of fund transfer services in the e-banking landscape.

Bill Payments:

Bill payment services in e-banking allow customers to settle their utility, credit card, and other recurring payments seamlessly online. This service provides a significant convenience to users as it eliminates the need for manual payment processes and reduces the risk of late fees. The integration of automated bill payment options further enhances user experience, offering customers the ability to schedule payments in advance. This segment is gaining traction as more consumers prefer digital solutions over traditional methods, and banks are leveraging this trend by offering intuitive interfaces for managing bills. Consequently, the growth of bill payment services is fostering customer loyalty and increasing user engagement with e-banking platforms.

Account Management:

Account management services are an integral component of e-banking, empowering customers to view and control their financial information through online platforms. Users can easily monitor transactions, check balances, and manage savings and investment accounts from their devices. The convenience of real-time access to account information has transformed how customers interact with their banks, promoting transparency and better financial management. Banks are also utilizing advanced data analytics to provide personalized insights and recommendations to users based on their spending patterns, thereby enhancing customer satisfaction and driving engagement in the e-banking sector.

Mobile Wallets:

Mobile wallets have emerged as a critical service within the e-banking market, enabling users to store, send, and receive money through their mobile devices. This service has gained popularity due to its ease of use and convenience, as consumers can make transactions without needing physical cash or cards. Mobile wallets often integrate with other e-banking services, allowing users to access a variety of financial services in one platform. Furthermore, the growth of mobile wallet services is supported by the increasing adoption of digital payment methods, driven by the need for contactless transactions, especially in the wake of the COVID-19 pandemic. This trend is expected to continue as consumers increasingly prefer mobile wallets for everyday transactions.

Others:

Other services in the e-banking segment encompass a wide range of offerings, including personal financial management tools, investment advisory services, and insurance products. These services aim to provide customers with comprehensive financial solutions that cater to their diverse needs. By integrating these additional services, banks can enhance customer engagement and retention, as users benefit from a holistic approach to managing their finances. The rise of fintech companies has also spurred innovation in this segment, as they introduce new services and features that challenge traditional banking models. As customer expectations evolve, the demand for diverse e-banking services is likely to increase, prompting banks to expand their offerings further.

By Technology

Blockchain:

Blockchain technology is redefining the e-banking sector by providing enhanced security, transparency, and efficiency in transactions. Utilizing a decentralized ledger, blockchain eliminates the need for intermediaries in financial transactions, reducing costs and processing times. This technology is particularly valuable for cross-border payments, where traditional banking methods can be slow and costly. Moreover, blockchain applications can enhance identity verification processes and reduce fraud, making it an attractive option for banks seeking to build secure and trust-worthy platforms. As more institutions recognize the potential benefits of blockchain, its adoption in e-banking is expected to accelerate significantly in the coming years.

Artificial Intelligence:

Artificial Intelligence (AI) is transforming e-banking by enabling banks to offer more personalized and efficient services. Through AI algorithms, banks can analyze customer data to gain insights into individual preferences, which allows them to provide tailored solutions and recommendations. AI-powered chatbots and virtual assistants are increasingly being used to improve customer service, offering instant responses to inquiries and facilitating transactions. Additionally, AI contributes to fraud detection and risk management by identifying unusual patterns in transactions and alerting institutions to potential threats. As the e-banking sector continues to embrace AI technology, its ability to enhance operational efficiency and customer satisfaction will further drive growth.

Biometrics:

Biometric technology is gaining traction in e-banking as a means of enhancing security and user experience. Utilizing unique physical characteristics such as fingerprints, facial recognition, and voice patterns, biometric authentication provides a more secure way for customers to access their accounts. This technology reduces the reliance on traditional passwords, which can be easily compromised, thereby enhancing overall security. The incorporation of biometrics into banking apps creates a seamless experience for users, as they can authenticate their identity quickly and securely. As cyber threats continue to evolve, the demand for biometric solutions in e-banking is expected to increase, bolstering customer confidence in digital banking platforms.

Big Data Analytics:

Big data analytics plays a crucial role in the e-banking sector by enabling banks to analyze vast amounts of customer data for improved decision-making. By leveraging analytics, banks can gain insights into customer behaviors, preferences, and trends, allowing them to tailor their products and services accordingly. This technology also aids in risk management and fraud detection by identifying anomalies and patterns in transaction data. Furthermore, big data analytics can enhance marketing strategies, enabling banks to target specific customer segments with personalized offers. As the banking industry continues to grow increasingly data-driven, the significance of big data analytics in e-banking will continue to rise, fostering innovation and improved customer experiences.

Cloud Computing:

Cloud computing is revolutionizing the e-banking landscape by offering scalable and flexible solutions that enhance operational efficiency. Through cloud-based services, banks can store and access data securely, enabling them to respond quickly to changing market demands. This technology facilitates seamless integration of various banking services and applications, providing a consolidated platform for customers. Moreover, cloud computing reduces the need for extensive on-premises infrastructure, allowing banks to cut costs and allocate resources more effectively. As more financial institutions recognize the advantages of cloud technology, its adoption in the e-banking market is expected to surge, driving innovation and enhancing service delivery.

By User

Individuals:

Individuals constitute a significant user segment in the e-banking market, as consumers increasingly seek convenient and accessible banking solutions. The rise of mobile and online banking platforms has empowered individuals to manage their finances more effectively, allowing them to execute transactions, monitor account activity, and access financial services from anywhere. This segment is particularly attractive to younger generations who prioritize digital interactions over traditional banking methods. As individual banking needs evolve, the demand for user-friendly and feature-rich e-banking solutions continues to grow, prompting financial institutions to innovate and enhance their offerings to attract and retain individual customers.

Businesses:

Businesses represent another vital user segment in the e-banking landscape, as companies require efficient banking solutions to manage their financial operations. The integration of e-banking services into business processes allows organizations to streamline transactions, manage payroll, and access credit facilities more efficiently. With the increasing complexity of financial operations, businesses are turning to digital banking solutions that offer robust features such as cash flow management, invoicing, and expense tracking. As more businesses recognize the benefits of e-banking for improving operational efficiency and reducing costs, the adoption of these services is expected to grow significantly.

Financial Institutions:

Financial institutions, including banks and credit unions, are both users and providers of e-banking services, as they seek to modernize their offerings to meet customer demands. By adopting e-banking technologies, these institutions can streamline their operations, reduce costs, and enhance customer experiences. The integration of digital solutions enables them to offer a wider range of services, including online account opening, loan applications, and investment management. As competition intensifies among financial institutions, those that effectively leverage e-banking technologies will be better positioned to attract and retain customers, leading to sustained growth in this segment.

Government:

Governments are increasingly recognizing the importance of e-banking in promoting financial inclusion and improving public service delivery. By adopting digital banking solutions, government agencies can facilitate transparent and efficient transactions for subsidies, pensions, and tax payments. E-banking services also enable citizens to access financial services more easily, fostering greater participation in the formal economy. Additionally, governments can leverage e-banking technologies to enhance financial literacy and promote digital payment systems among their populations. As the push for digital transformation continues, the role of e-banking in government operations and public service delivery is expected to grow, enhancing overall efficiency and citizen engagement.

By Region

The North American e-banking market is one of the most advanced globally, driven by the high penetration of internet and smartphone usage among consumers. This region accounted for approximately USD 450 billion in 2025 and is projected to grow at a CAGR of around 9% through 2035. The presence of leading financial institutions and fintech companies, coupled with a strong regulatory framework supporting digital innovations, bolsters the growth of the e-banking sector in this region. North America is characterized by a high adoption rate of advanced technologies such as artificial intelligence and blockchain in banking services, providing a competitive advantage to institutions that can effectively integrate these innovations into their e-banking platforms.

In Europe, the e-banking market is also experiencing substantial growth, with an estimated market size of approximately USD 400 billion in 2025. The region is witnessing a shift towards digital banking solutions, driven by consumer preferences for convenience and accessibility. The emergence of neobanks and challenger banks has contributed to a dynamic competitive landscape, as these institutions offer innovative services that cater to tech-savvy customers. Moreover, regulatory initiatives, such as PSD2 (Revised Payment Services Directive), are fostering an environment conducive to innovation and competition in the European e-banking market. As the region continues to embrace digital transformation, the e-banking sector is expected to grow significantly, benefiting from technological advancements and changing consumer behaviors.

Opportunities

The e-banking market presents a multitude of opportunities for growth and innovation in the coming years. One of the most significant opportunities lies in the adoption of fintech solutions, as financial technology companies continue to disrupt traditional banking models. By partnering with fintech firms, established banks can enhance their service offerings and tap into new customer segments. Additionally, the increasing focus on financial inclusion presents an opportunity for e-banking providers to develop tailored solutions for underserved populations, offering them access to essential banking services. The rise of mobile banking and digital wallets also opens new avenues for growth, as consumers increasingly prefer contactless transactions and digital payment solutions.

Another key opportunity in the e-banking market is the integration of advanced technologies, such as artificial intelligence, big data analytics, and blockchain. These technologies enable banks to provide more personalized services, enhance security, and streamline operations, leading to improved customer satisfaction and loyalty. The growing demand for seamless multi-channel banking experiences further encourages banks to invest in digital solutions that cater to customer preferences. As the regulatory landscape evolves, e-banking providers have the opportunity to innovate while ensuring compliance with new regulations. By capitalizing on these opportunities, banks and financial institutions can position themselves for long-term success in the rapidly changing e-banking market.

Threats

Despite the promising outlook for the e-banking market, several threats could pose challenges to its growth. One of the most significant threats is the increasing prevalence of cyber threats and data breaches, which can undermine consumer trust in digital banking solutions. As financial institutions continue to adopt digital technologies, they become attractive targets for cybercriminals seeking to exploit vulnerabilities in their systems. The potential for financial losses and reputational damage can deter customers from embracing e-banking services, ultimately hindering market growth. Furthermore, the rapid pace of technological advancements creates a pressure on banks to continuously innovate and adapt, which can strain resources and lead to challenges in implementation.

Another threat to the e-banking market is the evolving regulatory landscape. As governments and regulatory bodies seek to address issues such as data privacy and cybersecurity, financial institutions may face increased compliance costs and operational complexities. Non-compliance with regulations can result in severe penalties and reputational damage, further complicating the e-banking landscape. Additionally, the rise of alternative payment solutions, such as cryptocurrencies and decentralized finance (DeFi), poses a challenge to traditional e-banking models. As consumers explore these new options, banks must find ways to adapt their offerings and remain competitive in an increasingly fragmented market.

Competitor Outlook

• JPMorgan Chase & Co.
• Bank of America
• Wells Fargo & Company
• HSBC Holdings plc
• Citigroup Inc.
• Goldman Sachs Group Inc.
• American Express Company
• PayPal Holdings, Inc.
• Ally Financial Inc.
• Revolut Ltd.
• N26 GmbH
• Chime Financial, Inc.
• ING Groep N.V.
• Barclays PLC
• Credit Suisse Group AG

The overall competitive landscape of the e-banking market is characterized by a mix of established financial institutions and emerging fintech companies. Traditional banks are increasingly embracing digital transformation to enhance their service offerings and improve customer experiences. This transition has led to partnerships with fintech firms, allowing banks to leverage innovative technologies and cater to a tech-savvy customer base. Additionally, the rise of digital-only banks and neobanks has intensified competition, as these institutions offer attractive features such as lower fees and streamlined services. Consequently, banks must continually adapt their strategies and invest in technology to stay relevant in a rapidly evolving market.

Major players in the e-banking sector, such as JPMorgan Chase & Co. and Bank of America, have made significant investments in digital banking technologies to enhance customer engagement and improve operational efficiency. These institutions leverage advanced analytics and artificial intelligence to provide personalized services and streamline processes. They also prioritize security measures to protect sensitive customer data and build trust in their e-banking platforms. Furthermore, established banks are expanding their digital footprints by introducing user-friendly mobile applications and online services to attract and retain customers.

Fintech companies, including PayPal and Chime, are also making notable strides in the e-banking market by offering innovative solutions that cater to the changing needs of consumers. These firms focus on delivering seamless user experiences and eliminating traditional banking fees, making them highly attractive to younger demographics. As the competition intensifies, both traditional banks and fintech players must continuously innovate and adapt to meet customer expectations. The result will be a dynamic e-banking landscape that fosters collaboration and competition, ultimately leading to enhanced products and services for consumers.

• 1 Appendix

  • 1.1 List of Tables
  • 1.2 List of Figures

• 2 Introduction

  • 2.1 Market Definition
  • 2.2 Scope of the Report
  • 2.3 Study Assumptions
  • 2.4 Base Currency & Forecast Periods

• 3 Market Dynamics

  • 3.1 Market Growth Factors
  • 3.2 Economic & Global Events
  • 3.3 Innovation Trends
  • 3.4 Supply Chain Analysis

• 4 Consumer Behavior

  • 4.1 Market Trends
  • 4.2 Pricing Analysis
  • 4.3 Buyer Insights

• 5 Key Player Profiles

  • 5.1 N26 GmbH
    • 5.1.1 Business Overview
    • 5.1.2 Products & Services
    • 5.1.3 Financials
    • 5.1.4 Recent Developments
    • 5.1.5 SWOT Analysis
  • 5.2 Barclays PLC
    • 5.2.1 Business Overview
    • 5.2.2 Products & Services
    • 5.2.3 Financials
    • 5.2.4 Recent Developments
    • 5.2.5 SWOT Analysis
  • 5.3 Revolut Ltd.
    • 5.3.1 Business Overview
    • 5.3.2 Products & Services
    • 5.3.3 Financials
    • 5.3.4 Recent Developments
    • 5.3.5 SWOT Analysis
  • 5.4 Citigroup Inc.
    • 5.4.1 Business Overview
    • 5.4.2 Products & Services
    • 5.4.3 Financials
    • 5.4.4 Recent Developments
    • 5.4.5 SWOT Analysis
  • 5.5 ING Groep N.V.
    • 5.5.1 Business Overview
    • 5.5.2 Products & Services
    • 5.5.3 Financials
    • 5.5.4 Recent Developments
    • 5.5.5 SWOT Analysis
  • 5.6 Bank of America
    • 5.6.1 Business Overview
    • 5.6.2 Products & Services
    • 5.6.3 Financials
    • 5.6.4 Recent Developments
    • 5.6.5 SWOT Analysis
  • 5.7 HSBC Holdings plc
    • 5.7.1 Business Overview
    • 5.7.2 Products & Services
    • 5.7.3 Financials
    • 5.7.4 Recent Developments
    • 5.7.5 SWOT Analysis
  • 5.8 Ally Financial Inc.
    • 5.8.1 Business Overview
    • 5.8.2 Products & Services
    • 5.8.3 Financials
    • 5.8.4 Recent Developments
    • 5.8.5 SWOT Analysis
  • 5.9 JPMorgan Chase & Co.
    • 5.9.1 Business Overview
    • 5.9.2 Products & Services
    • 5.9.3 Financials
    • 5.9.4 Recent Developments
    • 5.9.5 SWOT Analysis
  • 5.10 Chime Financial, Inc.
    • 5.10.1 Business Overview
    • 5.10.2 Products & Services
    • 5.10.3 Financials
    • 5.10.4 Recent Developments
    • 5.10.5 SWOT Analysis
  • 5.11 PayPal Holdings, Inc.
    • 5.11.1 Business Overview
    • 5.11.2 Products & Services
    • 5.11.3 Financials
    • 5.11.4 Recent Developments
    • 5.11.5 SWOT Analysis
  • 5.12 Wells Fargo & Company
    • 5.12.1 Business Overview
    • 5.12.2 Products & Services
    • 5.12.3 Financials
    • 5.12.4 Recent Developments
    • 5.12.5 SWOT Analysis
  • 5.13 Credit Suisse Group AG
    • 5.13.1 Business Overview
    • 5.13.2 Products & Services
    • 5.13.3 Financials
    • 5.13.4 Recent Developments
    • 5.13.5 SWOT Analysis
  • 5.14 American Express Company
    • 5.14.1 Business Overview
    • 5.14.2 Products & Services
    • 5.14.3 Financials
    • 5.14.4 Recent Developments
    • 5.14.5 SWOT Analysis
  • 5.15 Goldman Sachs Group Inc.
    • 5.15.1 Business Overview
    • 5.15.2 Products & Services
    • 5.15.3 Financials
    • 5.15.4 Recent Developments
    • 5.15.5 SWOT Analysis

• 6 Market Segmentation

  • 6.1 E-Banking Market, By Type
    • 6.1.1 Retail Banking
    • 6.1.2 Corporate Banking
    • 6.1.3 Investment Banking
    • 6.1.4 Digital Banking
    • 6.1.5 Mobile Banking
  • 6.2 E-Banking Market, By User
    • 6.2.1 Individuals
    • 6.2.2 Businesses
    • 6.2.3 Financial Institutions
    • 6.2.4 Government
  • 6.3 E-Banking Market, By Service
    • 6.3.1 Fund Transfers
    • 6.3.2 Bill Payments
    • 6.3.3 Account Management
    • 6.3.4 Mobile Wallets
    • 6.3.5 Others
  • 6.4 E-Banking Market, By Technology
    • 6.4.1 Blockchain
    • 6.4.2 Artificial Intelligence
    • 6.4.3 Biometrics
    • 6.4.4 Big Data Analytics
    • 6.4.5 Cloud Computing

• 7 Competitive Analysis

  • 7.1 Key Player Comparison
  • 7.2 Market Share Analysis
  • 7.3 Investment Trends
  • 7.4 SWOT Analysis

• 8 Research Methodology

  • 8.1 Analysis Design
  • 8.2 Research Phases
  • 8.3 Study Timeline

• 9 Future Market Outlook

  • 9.1 Growth Forecast
  • 9.2 Market Evolution

• 10 Geographical Overview

  • 10.1 Europe - Market Analysis
    • 10.1.1 By Country
      • 10.1.1.1 UK
      • 10.1.1.2 France
      • 10.1.1.3 Germany
      • 10.1.1.4 Spain
      • 10.1.1.5 Italy
  • 10.2 E-Banking Market by Region
  • 10.3 Asia Pacific - Market Analysis
    • 10.3.1 By Country
      • 10.3.1.1 India
      • 10.3.1.2 China
      • 10.3.1.3 Japan
      • 10.3.1.4 South Korea
  • 10.4 Latin America - Market Analysis
    • 10.4.1 By Country
      • 10.4.1.1 Brazil
      • 10.4.1.2 Argentina
      • 10.4.1.3 Mexico
  • 10.5 North America - Market Analysis
    • 10.5.1 By Country
      • 10.5.1.1 USA
      • 10.5.1.2 Canada
  • 10.6 Middle East & Africa - Market Analysis
    • 10.6.1 By Country
      • 10.6.1.1 Middle East
      • 10.6.1.2 Africa

• 11 Global Economic Factors

  • 11.1 Inflation Impact
  • 11.2 Trade Policies

• 12 Technology & Innovation

  • 12.1 Emerging Technologies
  • 12.2 AI & Digital Trends
  • 12.3 Patent Research

• 13 Investment & Market Growth

  • 13.1 Funding Trends
  • 13.2 Future Market Projections

• 14 Market Overview & Key Insights

  • 14.1 Executive Summary
  • 14.2 Key Trends
  • 14.3 Market Challenges
  • 14.4 Regulatory Landscape

Segments Analyzed in the Report

The global E-Banking market is categorized based on

By Type

• Retail Banking
• Corporate Banking
• Investment Banking
• Digital Banking
• Mobile Banking

By Service

• Fund Transfers
• Bill Payments
• Account Management
• Mobile Wallets
• Others

By Technology

• Blockchain
• Artificial Intelligence
• Biometrics
• Big Data Analytics
• Cloud Computing

By User

• Individuals
• Businesses
• Financial Institutions
• Government

By Region

• North America
• Europe
• Asia Pacific
• Latin America
• Middle East & Africa

Key Players

• JPMorgan Chase & Co.
• Bank of America
• Wells Fargo & Company
• HSBC Holdings plc
• Citigroup Inc.
• Goldman Sachs Group Inc.
• American Express Company
• PayPal Holdings, Inc.
• Ally Financial Inc.
• Revolut Ltd.
• N26 GmbH
• Chime Financial, Inc.
• ING Groep N.V.
• Barclays PLC
• Credit Suisse Group AG