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US Digital Account Opening Forecast 2022

How Incumbents Will Overtake Neobanks

About This Report
Digital account opening volume will tank in 2022 due to economic volatility. But slow growth will resume in 2023, fueling fierce competition.
Table of Contents

Executive Summary

Total digital account opening will plummet in 2022 by 44.6% year over year (YoY), faster than in any of the previous years in our forecast. Annual growth is set to drop below single digits by the end of 2026, creating an environment ripe for competitive disruption.

Key Question: How will incumbents and digital-only banks, aka neobanks, be able to acquire new customers in the face of a looming recession?

KEY STAT: Total digital account openings in the US will sink by 44.6% this year, dragged down by the past year’s 61.9% drop in neobank account openings.

Here’s what’s in the full report


Exportable files for easy reading, analysis and sharing.


Reliable data in simple displays for presentations and quick decision making.

Table of Contents

  1. Executive Summary
  2. Account Opening Trends: Setback to 2019
  3. The Digital Credit Card Rush
  1. Digital Bank Account Opening: Realigning With Reality
  2. Incumbents Finally Overtake Neobanks
  3. Action: How to Get a Leg up in Digital Account Opening
  1. Read Next
  2. Sources
  3. Media Gallery


Tiffani Montez


Tyler Brown
Senior Analyst
Caitlin Cahalan
Researcher, Financial Services
Brian Lau
Forecasting Analyst
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