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Research Report 

2025 Digital Banking Performance Metrics 

Now in its 6th edition, the 2025 Digital Banking Performance Metrics Report explores operational metrics from banks and credit unions with assets of $300M to $46B. Learn about the current—and future—state of digital banking, from the features that attract account holders most to gaps between the nation’s smaller institutions and their megabank or fintech competition. 

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What You'll Learn in this Report

• Digital performance metrics self-reported by 98 American banks and credit unions
• Metrics segmented by 75th percentile, median, and 25th percentile performers, plus overall averages
• Detailed analysis across digital banking investments, operations, features, and utilization
• A sample digital banking framework that can help financial institutions identify, balance, and focus their tracked metrics

Report Stats At a Glance

4x per week

 

is the average login frequency for active digital banking users.

35%

 

average bill pay adoption in 2024, compared to 29% in the previous two years.

21%

 

of all checking account openings were completed digitally in 2024.

Ready to See Real Results With Your Financial Institution?

Solutions from Cornerstone Advisors

Cornerstone Advisors - Core Systems - Conversion and Implementation

Digital

We help you drive measurable value from your digital investments. Our expert team partners with you to deliver end-to-end support across your key digital initiatives—from strategy to execution. Whether you're modernizing legacy platforms, optimizing digital contracts or scaling new technologies, we ensure every step is aligned to your business objectives. With decades of experience and deep industry insights, we help you make smarter digital decisions and turn your technology partnerships into a true competitive advantage.

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About Cornerstone Advisors

For over 20 years, Cornerstone Advisors has delivered gritty insights, bold strategies and data-driven solutions to build smarter banks, credit unions and fintechs. From technology system selection and implementation to contract negotiations, vendor management, performance improvement programs, strategic planning, merger integration and enterprise program management, Cornerstone combines its expertise with proprietary data and research to help financial institutions thrive in today’s challenging environment. For more information, visit www.crnrstone.com, connect with us on LinkedIn and Youtube, and subscribe to GonzoBanker® for our opinionated take on all things banking.