Digital Banking M&A 2024–2025: From Buying Scale to Building Synergy

In 2024, digital banking entered one of its most active acquisition cycles in recent years. Incumbents and FinTechs rushed to buy what they could not build quickly enough: cloud-native cores, AI-driven personalization engines, scalable lending portfolios, and Banking-as-a-Service infrastructure that could shorten multi-year modernization roadmaps. M&A became a shortcut to transformation.

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