US Neobank Emerging Features Benchmark 2022

How the Top 4 US Neobanks Rank on Key Mobile Banking Features

About This Report
This fourth annual study ranks the four largest US neobanks by customers based on their support of 47 emerging mobile banking features, weighted by consumer demand for each feature.
Table of Contents

Executive Summary

US neobanks’ incentive-driven growth hasn’t led to profitability. Now, as funding falls off, they must increase engagement and deposits to survive. Offering the most in-demand mobile features can help. This fourth annual study uncovers which features are most valuable—and which neobanks are delivering them.

Key Question: What drives US neobanks’ performance across each of the key categories of mobile banking emerging features?

KEY STAT: Neobanks should invest in features that build trust: The two most in-demand features relate to security, and more than half of US mobile banking users rated each “extremely valuable.”

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Table of Contents

  1. Executive Summary
  2. Neobanks Need Features That Drive Profitable Relationships
  3. Leading US Neobanks in 2022
  1. How Neobanks Performed in Key Mobile Banking Categories
  2. Glossary
  3. Read Next
  1. Sources
  2. Media Gallery

Charts in This Report


Tyler Brown


Caitlin Cahalan
Researcher, Financial Services
Matthew Gaughan
Analyst Banking
Ona Koehler
Senior Director, Benchmarking
Na Li
Director, Primary Research
Tiffani Montez
Principal Analyst, Banking
Daniel Ramirez
Researcher, Financial Services
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