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Your roadmap to digital maturity starts here

Our national research shows what the most digitally mature institutions are doing differently—and how you can close the gap.

What is digital maturity?

Digital maturity combines strategy, technology, and culture. Digital leaders prioritize user experience, real-time data, and automation to unlock sustainable growth. See how it works...

Industry benchmarking

Surveying digital banking leaders to understand how the most mature institutions grow.

Segment analysis

Grouping institutions by digital readiness and identifying trends across their organizations.

Insights & assessment

Delivering peer comparisons and tailored guidance for advancing digital maturity.

From retail to business, we have done the research and have tailored a plan just for you and your institution.

DISCOVER
Digital Maturity for Retail Banking
DISCOVER
Digital Maturity for Business Banking

“Digital maturity is quickly becoming the single most important driver of growth and efficiency in banking. The widening gap between the leaders and their less mature peers is foundational to how these institutions are strategically aligning culture, strategy, and technology to meet rising expectations across every channel.”

Jim Marous
Owner & Chief Executive Officer,
The Digital Banking Report
Retail Banking

How digitally mature is your retail experience?

Our Retail Digital Sales & Service Maturity Model segments financial institutions into four maturity stages, measuring comprehensive benchmarks across readiness and implementation of digital strategies.

5x

average annual revenue growth reported by the most mature institutions compared to peers

34%

of digital leaders have under $500M in assets. Size isn't the sole predictor - strategy is.

13%

of the least digitally mature financial institutions have over $5B in assets.

The 4 cohorts of Retail Banking Digital Maturity

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Critical retail insights you need to know

Security and fraud

Leading institutions differentiate themselves by offering greater self-service and placing fraud prevention tools into the hands of their account holders and employees.

Employee experience

User experience is no longer a benefit for consumers. Leaders are now empowering their employees with intuitive administrative tools and deeper integrations across systems.

AI and data maturity

Digitally mature institutions understand the power of combining actionable data with marketing automation, enabling them to outpace their peers while achieving their business goals.

Read the complete report to unlock additional insights

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Business Banking

Where does your business digital maturity stand?

The 2026 Update to the Business Banking Digital Maturity Model reveals how leading financial institutions are using data, artificial intelligence (AI) and AI agents, and connected digital experiences to transform digital account opening and onboarding, strengthen client relationships, and drive measurable outcomes across their organization.

The most mature financial institutions stand apart with complete, rich client data, stronger integrations, and the confidence to execute — turning insight into action across every moment that matters.

The 4 cohorts of Business Banking Digital Maturity

The 4 cohorts of Business Banking Digital Maturity

How digitally mature are your business banking solutions?

Take the assessment

Top qualities among business & commercial banking leaders

Digital account opening and self-service

Business account opening has become expected. What matters now is speed and connection across channels. Focus on reducing friction by streamlining identity verification, funding, and servicing into one continuous experience that applicants can start, pause, and complete anywhere.

Automated fraud prevention

Shift fraud prevention earlier in the client journey and deploy a 24/7 security strategy. Strengthen protection by embedding real-time monitoring, identity verification, and risk signals directly into onboarding and ongoing activity — before funds ever move.

Elevated employee experience

Technology investments alone don't drive results, employees need to be empowered to use banking solutions with confidence. Equip teams with shared visibility, streamlined workflows, actionable data, and training and upskilling so they can resolve issues faster and support more complex needs without added friction.
2026 Update to the Business Banking Digital Maturity Model

Dive deeper into the research findings

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Digital maturity is a mentality that starts with leadership

Digitally mature institutions aren’t just upgrading tools—they’re reimagining how banking gets done. Culture, clarity, and commitment from leadership set the stage for transformation. Digital maturity isn’t a checkbox. It’s a leadership mindset—and a competitive advantage.

Meet the leaders

FI leaders putting the digital maturity model to work

Unitus Community Credit Union knew it was more than a benchmarking experience, it was a chance to bring their entire organization into digital alignment. The Retail Digital Sales & Service Maturity Model didn’t just offer a scorecard, it gave Unitus an objective roadmap forward.
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