Digital Banking Forecast

Current, future and historical usage: 1994 to 2023

Jim Bruene

January 2014

: OBR 224



Download Printable Version of this page

In this report, we look at online/mobile banking and billpay usage in the United States, both past (back to 1994), present, and future (through 2023). Year-by-year projection are provided for the following online products and services:

  • Checking/deposit account access
  • Peer-to-peer (P2P) lending
  • Mobile access
  • Loan/credit card access
  • Account aggregation
  • Pay-anyone bill pay
  • Direct bill pay
  • Person-to-person (P2P) payments


Also, in this report we look at:

  • Mobile banking forecast for 2025
  • The top 10 developments in 2013
  • The top 50 online banking innovations of all-time including four new entrants
  • Recap of the top-10 innovations by year since 1996

Digital Banking Forecast


forecast, trends, trendline, usage, bill pay, account aggregation, biller direct, statistics, best of the web, top, marketing, product innovations of all time