How digital banking evolution works for consumers todayStrip away the branding and digital banking runs on a few moving parts. Customers who feel a platform is hard to reach when something breaks leave quickly, which is one reason retail banking satisfaction scores have become a closely watched metric across the sector. The Western United States led with 35.92 percent of the country’s fintech market in 2025, while the South is the quickest-growing region, according to Mordor Intelligence. People increasingly treat their primary banking app the way they treat email, as something that simply has to work. Digital banking has stopped being a feature that banks offer and become the channel through which most banking happens.