Table of Content




1. Introduction
? 1.1. Definition and Scope of Neobanking
? 1.2. Objectives of the Report
? 1.3. Research Methodology
? 1.4. Assumptions and Limitations


2. Executive Summary
? 2.1. Key Highlights
? 2.2. Market Snapshot
? 2.3. Major Trends and Insights


3. Market Dynamics
? 3.1. Market Drivers
?? 3.1.1. Increasing Smartphone Penetration and Internet Access
?? 3.1.2. Rising Demand for Digital-Only Banking Services
?? 3.1.3. Cost-Effective Operations Compared to Traditional Banks
? 3.2. Market Restraints
??3.2.1. Regulatory and Compliance Challenges
??3.2.2. Low Customer Trust and Cybersecurity Concerns
? 3.3. Market Opportunities
??3.3.1. Growth in Financial Inclusion and SME Banking
??3.3.2. Technological Advancements in AI and Open Banking
??3.3.3. Expansion into Underserved Demographics and Regions


4. North America Neobanking Market Analysis
? 4.1. Market Size and Forecast (2025–2034)
? 4.2. Market Share Analysis by:
?? 4.2.1. Service Type
??? 4.2.1.1. Loans
??? 4.2.1.2. Mobile Banking
??? 4.2.1.3. Payments and Money Transfer
??? 4.2.1.4. Checking/Savings Account
??? 4.2.1.5. Others
?? 4.2.2. Application
??? 4.2.2.1. Enterprise
??? 4.2.2.2. Personal
??? 4.2.2.3. Others
??4.2.3. Account Type
??? 4.2.3.1. Business Account
???4.2.3.2. Saving Account
? 4.3. Value Chain Analysis
? 4.4. Regulatory Landscape and Compliance Framework
?4.5. Adoption Trends and Consumer Behavior
?4.6. SWOT Analysis
?4.7. Porter’s Five Forces Analysis


5. Regional Market Analysis
? 5.1. United States
?? 5.1.1. Market Overview
?? 5.1.2. Market Size and Forecast
?? 5.1.3. Key Trends and Regulatory Developments
?? 5.1.4. Competitive Landscape
? 5.2. Canada
??5.2.1. Market Overview
??5.2.2. Market Size and Forecast
??5.2.3. Key Trends and Regulatory Developments
??5.2.4. Competitive Landscape
? 5.3. Mexico
??5.3.1. Market Overview
??5.3.2. Market Size and Forecast
??5.3.3. Key Trends and Regulatory Developments
??5.3.4. Competitive Landscape


6. Competitive Landscape
? 6.1. Market Share Analysis of Leading Neobanks
? 6.2. Company Profiles
6.2.1. Chime
6.2.2. Varo Bank
6.2.3. SoFi
6.2.4. Revolut
6.2.5. Current
6.2.6. NuBank (North American expansion)
6.2.7. Aspiration
6.2.8. Monzo (U.S. operations)
6.2.9. Koho
6.2.10. EQ Bank
? 6.3. Strategic Initiatives and Partnerships
?6.4. Product Innovations and Technology Integrations


7. Future Outlook and Market Forecast
?7.1. Growth Projections and Market Opportunities
?7.2. Role of Embedded Finance and Open Banking APIs
?7.3. Impact of AI, Blockchain, and Data Analytics in Neobanking
?7.4. Strategic Recommendations for Investors and Stakeholders


8. Key Insights and Summary of Findings

9. Future Prospects for the North America Neobanking Market



List of Figures

List of Figures:

Figure 1: North America Neobanking Market: Market Segmentation
Figure 2: North America Neobanking Market: Research Methodology
Figure 3: Top Down Approach
Figure 4: Bottom Up Approach
Figure 5: Data Triangulation and Validation
Figure 6: North America Neobanking Market: Drivers, Restraints, Opportunities, and Challenges
Figure 7: North America Neobanking Market: Porter’s Five Forces Analysis
Figure 8: North America Neobanking Market: Value Chain Analysis
Figure 9: North America Neobanking Market Share Analysis, By Service Type, 2025–2034
Figure 10: North America Neobanking Market Share Analysis, By Application, 2025–2034
Figure 11: North America Neobanking Market Share Analysis, By Account Type, 2025–2034
Figure 12: United States Neobanking Market Share Analysis, By Service Type, 2025–2034
Figure 13: United States Neobanking Market Share Analysis, By Application, 2025–2034
Figure 14: United States Neobanking Market Share Analysis, By Account Type, 2025–2034
Figure 15: Canada Neobanking Market Share Analysis, By Service Type, 2025–2034
Figure 16: Canada Neobanking Market Share Analysis, By Application, 2025–2034
Figure 17: Canada Neobanking Market Share Analysis, By Account Type, 2025–2034
Figure 18: Mexico Neobanking Market Share Analysis, By Service Type, 2025–2034
Figure 19: Mexico Neobanking Market Share Analysis, By Application, 2025–2034
Figure 20: Mexico Neobanking Market Share Analysis, By Account Type, 2025–2034
Figure 21: North America Neobanking Market: Competitive Benchmarking
Figure 22: North America Neobanking Market: Vendor Share Analysis, 2025
Figure 23: North America Neobanking Market: Regulatory Landscape
Figure 24: North America Neobanking Market: Digital Banking Infrastructure Overview
Figure 25: North America Neobanking Market: Integration with AI and Fintech Platforms
Figure 26: North America Neobanking Market: Use Case Spotlight – Mobile-First Banking Solutions
Figure 27: North America Neobanking Market: Cybersecurity and Consumer Trust Challenges
Figure 28: North America Neobanking Market: Trends in Personalization and UX Design
Figure 29: North America Neobanking Market: Investment and Funding Landscape
Figure 30: North America Neobanking Market: ESG and Financial Inclusion Initiatives
Figure 31: North America Neobanking Market: Future Outlook
Figure 32: North America Neobanking Market: Forecast Methodology

List of Tables

List of Tables:

Table 1: North America Neobanking Market, 2025–2034 (USD Billion)
Table 2: North America Neobanking Market, By Service Type, 2025–2034 (USD Billion)
Table 3: North America Neobanking Market, By Loans, 2025–2034 (USD Billion)
Table 4: North America Neobanking Market, By Mobile Banking, 2025–2034 (USD Billion)
Table 5: North America Neobanking Market, By Payments and Money Transfer, 2025–2034 (USD Billion)
Table 6: North America Neobanking Market, By Checking/Savings Account, 2025–2034 (USD Billion)
Table 7: North America Neobanking Market, By Other Services, 2025–2034 (USD Billion)
Table 8: North America Neobanking Market, By Application, 2025–2034 (USD Billion)
Table 9: North America Neobanking Market, By Enterprise Application, 2025–2034 (USD Billion)
Table 10: North America Neobanking Market, By Personal Application, 2025–2034 (USD Billion)
Table 11: North America Neobanking Market, By Other Applications, 2025–2034 (USD Billion)
Table 12: North America Neobanking Market, By Account Type, 2025–2034 (USD Billion)
Table 13: North America Neobanking Market, By Business Account, 2025–2034 (USD Billion)
Table 14: North America Neobanking Market, By Saving Account, 2025–2034 (USD Billion)
Table 15: United States Neobanking Market, By Service Type, 2025–2034 (USD Billion)
Table 16: United States Neobanking Market, By Application, 2025–2034 (USD Billion)
Table 17: United States Neobanking Market, By Account Type, 2025–2034 (USD Billion)
Table 18: Canada Neobanking Market, By Service Type, 2025–2034 (USD Billion)
Table 19: Canada Neobanking Market, By Application, 2025–2034 (USD Billion)
Table 20: Canada Neobanking Market, By Account Type, 2025–2034 (USD Billion)
Table 21: Mexico Neobanking Market, By Service Type, 2025–2034 (USD Billion)
Table 22: Mexico Neobanking Market, By Application, 2025–2034 (USD Billion)
Table 23: Mexico Neobanking Market, By Account Type, 2025–2034 (USD Billion)
Table 24: North America Neobanking Market Revenue by Major Companies, 2025–2034 (USD Billion)
Table 25: North America Neobanking Market Volume by Major Companies, 2025–2034 (Million Users)
Table 26: Chime Financial Inc.: Company Snapshot
Table 27: Chime Financial Inc.: Product Portfolio
Table 28: Chime Financial Inc.: Operating Segments
Table 29: Varo Bank, N.A.: Company Snapshot
Table 30: Varo Bank, N.A.: Product Portfolio
Table 31: Varo Bank, N.A.: Operating Segments
Table 32: SoFi Technologies Inc.: Company Snapshot
Table 33: SoFi Technologies Inc.: Product Portfolio
Table 34: SoFi Technologies Inc.: Operating Segments