European Digital Banking Report 2026
PERSONAL BANKING EDITION
From Digital Scale to Financial Depth
Europe’s digital banks have achieved scale. The next contest is for financial depth.
PERSONAL BANKING EDITION
Millions of customers have moved to digital banking. Products and features have expanded rapidly. And many of the capabilities that once made digital banks different are becoming standard.
The next question is harder: who can become a bigger part of their customers’ financial lives?
The European Digital Banking Report 2026 examines how Europe’s leading digital banks are competing for more of their customers’ deposits, borrowing, investments and everyday financial activity — and what that means for the next phase of digital banking.
Launching 13 October 2026
The competitive question has changed
Digital banks have spent years expanding their customer bases and adding new products and features.
But as digital banking matures, many of those capabilities are becoming expected rather than exceptional.
Having more customers — or more features — does not automatically create a stronger banking relationship.
The next phase of competition is about something deeper: who can win more of the customer’s deposits, borrowing, investments and everyday financial activity?
That is the question at the heart of the European Digital Banking Report 2026.
The digital banking baseline is moving
Extract from the European Digital Banking Report 2026.
Many capabilities that once differentiated digital banks are becoming standard — shifting competition towards what institutions can build on top of them.
Inside the European Digital Banking Report 2026
01 — THE DIGITAL BANKING PROPOSITION
What does a competitive digital bank need to offer today?
Benchmark how leading European propositions compete across everyday banking, savings, lending, investments and beyond.
02 — CUSTOMER VALUE
Who is winning more of the customer relationship?
See which players are turning customer scale into deeper relationships across deposits, borrowing and investments.
03 — PERFORMANCE & STRATEGY
What separates scale from sustainable performance?
Explore how leading players compare across financial strength, growth, efficiency and strategic direction.
Built around the questions shaping digital banking strategy
The Report is designed to move beyond market description and answer the strategic questions behind the numbers.
01. What still genuinely differentiates a digital bank today?
02. Which players are building deeper customer relationships?
03. Who is capturing more of customers’ deposits, borrowing and investments?
04. How are leading players turning customer scale into financial value?
05. Where is competition in European Personal Banking moving next?
BUILT ON PROPRIETARY C-INNOVATION INTELLIGENCE
The European Digital Banking Report 2026 combines C-Innovation's market research with proprietary benchmarking from the C-Innovation Digital Banking Performance Index™ — examining Operational Excellence, Customer Value, Financial Strength, Growth and Market Scale.
Corporate Members can go further through the C-Innovation Intelligence Hub — comparing players, exploring capabilities and benchmarking performance using the underlying intelligence.
The Intelligence Hub is available now to Corporate Members.
Four complementary perspectives on European digital banking
PERFORMANCE
Who is leading?
EVOLUTION
How are players developing?
CAPABILITIES
How are propositions differentiated?
LANDSCAPE
Where is competition developing?
The European Digital Banking Report 2026 launches on 13 October. The Intelligence Hub is available now to Corporate Members.
Choose Your Access
Access the 2026 Report as a standalone research purchase, or as part of C-Innovation Corporate Membership.
European Digital Banking Report 2026
Personal Banking Edition
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Full European Digital Banking Report 2026
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Downloadable PDF
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Executive Summary
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Proprietary benchmarks and exhibits
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Strategic analysis and conclusions
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Single-user licence
€1,250
one-off purchase
This is a pre-order. The Report will be available from 13 October 2026.
C-Innovation Corporate Membership
Everything in the Report, plus:
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European Digital Banking Report 2026 included
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C-Innovation Intelligence Hub
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Digital Banking Performance Index™
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European country intelligence
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Strategic Perspectives
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Market Signals
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C-Innovation research & downloads
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Analyst access
€1,600
per year / user
The European Report 2026 will be available to Corporate Members on release.
Built for teams making decisions about digital banking
Strategy & Transformation · Digital Banking · Product · Competitive Intelligence · Innovation · Investment