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And Alkami found that almost half of digital banking users want their financial institution (FI) to anticipate their needs better. Besides catering to consumer demand, anticipatory banking helps FIs pivot from a product-led strategy toward a customer-led one.

In fact, half of all digital banking users would change providers for a significantly better experience, and nearly a third already have, per Alkami. And 70% believe the quality of a provider鈥檚 digital experience directly correlates to how much the institution cares about its customers, also per Alkami. This means trust is increasingly built through the daily digital experience.

Domestic neobanks have a hold on Latin America鈥檚 digital banking market, and demand is still growing. By 2028, 64.6% of Brazil鈥檚 population and 46.7% of Mexico鈥檚 will be digital banking users, per our forecasts. Regional giants like Nubank and Mercado Pago are already expanding beyond their home markets, steadily capturing more market share across Latin America.

That鈥檚 the lowest penetration of any generation, but consumers 65 and older are the second-largest group of digital banking users, per our forecast鈥攊ndicating that older consumers are more comfortable with digital banking than it may seem.