Figure 1: Banking Industry DMI Evolution (2020–2029) with Scenario-Based Forecasts
Leader, Average, and Laggard Trajectories under Optimistic, Moderate, and Pessimistic Projections
Banking Digital Maturity Forecast to 2030
Digitopia’s latest DMI data shows a stark divide:
Leaders: Poised to reach 4.66 by 2029, dominating the industry through AI-first strategies, customer obsession, and financial discipline.
Average banks: Could stagnate around 3.36–3.46, stable but unremarkable.
Laggards: Will struggle to pass 2.70—unless they act now to reinvent.
Banking’s Digital Revolution Has Arrived
Three Strategic Imperatives to Win in Banking
How to Get There: Requirement 1
Customer Obsession, No Exceptions
Build frictionless, hyper-personalized experiences across every channel. Loyalty will follow.
Digital Solutions →
How to Get There: Requirement 2
Operate in an Agentic AI World
Use autonomous AI to handle operations, predict customer needs, and manage compliance proactively.
Artificial Intelligence →
How to Get There: Requirement 3
Build a Future-Ready Workforce
Upskill your teams to lead with data, adapt with agility, and co-create value in an AI-powered world.
Digital Upskilling →
Five Predictions for the 2030 Banking Landscape
The next wave of disruption in banking won’t be optional—it will be systemic.
As we approach 2030, these five predictions highlight how technology, customer behavior, and industry structure will fundamentally reshape the role of banks in society.
- Workforce shrinks by 30% due to hyper-automation
- Banks become proactive, AI-driven financial assistants
- Banking is embedded into daily life—not accessed separately
- Massive consolidation leads to a few dominant digital players
- Compliance and cybersecurity are fully automated
How Does Your Digital Maturity Compare to Industry Leaders? Benchmark Your Digital Maturity
The 2024 Banking Digital Maturity Report reveals where companies stand today, and where they need to go. Compare your performance with leaders, average performers, and laggards.
Are you leading the shift or reacting to it? Use our data to compare your performance, assess your risks, and find the fastest route to transformation.
Download the Full Report
Learn how top experts are preparing for 2030, and how you can join them. Get detailed projections, DMI trend charts, and strategic insights tailored to banking executives.
