Banking, Mortgages & Credit Industry Market Research

Competitive Intelligence, Business Analysis, Forecasts, Market Size, Trends, Companies, Statistics

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Banking, Mortgages & Lending OVERVIEW

The banking, mortgages and credit sectors are undergoing rapid transformation driven by regulation, technology, shifting demographics and evolving consumer expectations.  Together, these forces are reshaping how financial services are delivered, who provides them and what consumers demand.
1. A More Regulated, More Resilient Banking System
In the wake of past financial crises, global regulators continue to enforce stricter capital and risk-management standards.  Frameworks such as Basel III, the Dodd-Frank Act, and the Volcker Rule require banks to hold significantly more capital, conduct rigorous stress tests and limit speculative trading.  Meanwhile, in Europe, Solvency II and MiFID 2 push for greater transparency and harmonized financial markets.  Although these rules strengthen financial stability, they also compress bank profitability and encourage non-bank competitors to enter the market.
2. The Rise of FinTech and Digital-First Finance
No trend is reshaping financial services more than FinTech innovation.  Consumers increasingly rely on digital payments, mobile wallets and app-based financial services.  Companies such as PayPal, Venmo, Apple Pay, Alipay, Zelle and Stripe have become everyday tools for spending and transferring money.
FinTech companies are also transforming lending and investing. Platforms like OnDeck, LendingClub, SoFi, and robo-advisor services at firms such as Betterment, Vanguard, and Schwab offer automated investing, instant credit decisions and user-friendly digital experiences.  As a result, traditional banks face escalating competition from agile, technology-powered challengers.
3. Shadow Banking and Alternative Lenders Gain Ground
As regulation tightens on traditional banks, non-bank lenders, private equity firms, hedge funds and crowdfunding platforms are filling the gap.  These “shadow banking” entities engage in activities such as corporate lending, auto and equipment financing, peer-to-peer loans and derivatives trading.  Their flexibility and appetite for risk continue to attract borrowers, though often with higher rates and less oversight.
4. Digital Wallets and New Payment Ecosystems Surge
Digital wallets and smartphone-based payment tools have rapidly gained market share.  Consumers increasingly store credit card information, loyalty cards and transit passes on devices rather than in their physical wallets.  Payment giants such as Visa, Mastercard, PayPal and Apple’s Apple Card contribute to this momentum.  Security advancements such as tokenization, biometrics and AI-driven fraud detection have accelerated consumer adoption.
5. Neobanks and Mobile-Only Banking Challenge Traditional Institutions
A new breed of mobile-only “neobanks”, including Chime, Revolut, Brex, and China’s Ant Group, is flourishing by offering low-fee accounts, higher savings rates and seamless digital experiences.  With branches closing nationwide and more customers managing finances on their phones, neobanks are becoming a formidable force in retail banking.
6. Mortgage Markets Face High-Rate Turbulence
The mortgage sector has been heavily impacted by the recent surge in interest rates.  Higher borrowing costs have slowed home sales, reduced affordability and shifted competition online.  Digital lenders such as LendingTree, Better.com and Quicken Loans now account for more than half of U.S. mortgage originations.
7. Aging Populations Create Investment and Retirement Opportunities
With more than 73 million Americans over 65, demand for retirement products continues to expand.  Asset managers and insurers are offering more annuities, income-focused funds and tailored retirement solutions, while also navigating increased risks of fraud targeting seniors.
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Top Companies Profiled

The following is a partial listing for this industry. As a subscriber, you will have access to the leading companies and top growth companies. This includes publicly-held, private, subsidiary and joint venture companies, on a global basis as well as in the U.S.


Hundreds of Top Companies Profiled, Including:

PLUNKETT PROVIDES UNIQUE ANALYSIS OF THE FOLLOWING TRENDS THAT ARE DRIVING THIS INDUSTRY:

Key Findings:

A complete market research report, including forecasts and market estimates, technologies analysis and developments at innovative firms within the Banking, Mortgages & Credit Industry. Gain vital insights that can help shape strategy for business development, product development and investments.

Key Features:

  • Business trends analysis
  • In-depth industry overview
  • Technology trends analysis
  • Forecasts
  • Spending, investment, and consumption discussions
  • In-depth industry statistics and metrics
  • Industry employment numbers

Additional Key Features Include:

Industry Glossary

Industry Contacts list, including Professional Societies and Industry Associations

Profiles of industry-leading companies

  • U.S. and Global Firms
  • Publicly held, Private and Subsidiaries
  • Executive Contacts
  • Revenues

  • For Public Companies: Detailed Financial Summaries

  • Statistical Tables

Key Questions Answered Include:

  • How is the industry evolving?
  • How is the industry being shaped by new technologies?
  • How is demand growing in emerging markets and mature economies?
  • What is the size of the market now and in the future?
  • What are the financial results of the leading companies?
  • What are the names and titles of top executives?
  • What are the top companies and what are their revenues?

This feature-rich report covers competitive intelligence, market research and business analysis—everything you need to know about the Banking, Mortgages & Credit Industry.

Plunkett Research Provides Unique Analysis of the FollowingTrends Affecting the Banking, Mortgages & Credit Industry

  1. Major Trends Affecting the Banking, Mortgages & Credit Industry

  2. Introduction to the Banking, Mortgages & Credit Industry

  3. Aging Populations, Baby Boomers Create Opportunities/U.S. Pension Accounts Top $45.8 Trillion

  4. Basel III, Dodd-Frank Act and Volcker Act Increase Regulation/European Solvency II and MiFID 2 Take Effect

  5. Investment Firms and Banks Compete for Clients in High-Net-Worth Households

  6. Banks and Apps Vie for Previously Underserved Markets, Including Hispanics

  7. Walmart Offers Financial Services in the U.S./Banco de Walmart in Mexico

  8. China Sees Growth in Online Payments, Banking and Lending/Alipay Soars

  9. Credit Default Swaps (CDS) and Derivatives Reach into the Trillions of Dollars

  10. Non-Banking Alternatives Grow in Lending and Crowdfunding

  11. Smartphones and Neobanks Replace Branches and Tellers

  12. Visa and MasterCard Enjoy Global Growth/Apple Card Use Soars

  13. Digital Wallets Gain Payments Market Share

  14. Peer-to-Peer (P2P) Payment Systems, such as Zelle and Venmo, Soar in Popularity/Require Rigorous ID Verification

  15. In Emerging Nations, mChek and M-PESA Enable Remote Banking via Smartphone

  16. High Interest Rates Hinder Mortgage Originations, Slow Home Sales & Create Challenges for Commercial Real Estate

  17. Online Competition Changes the Mortgage Industry

  18. Hedge Funds and Private Equity Play a Major Role in Financial Products Including Derivatives, Lending and Insurance (Shadow Banking)

  19. Financial Technology (FinTech) Enables Online Payments, Lending, Insurance and Robo Advisors

  20. Cryptocurrencies and Blockchain Explained

  21. Open Banking Revolutionizes the World of Banking and Finance

  22. The Future of Banking, Credit Cards, Mobile Payments and Mortgages

Plunkett Research Provides In-Depth Tables for the FollowingBanking, Mortgages & Credit Industry Statistics

  1. U.S. Banking, Mortgages & Credit Industry Statistics and Market Size Overview

  2. Global Credit Card Industry Statistics and Market Size Overview

  3. Top 50 U.S. Bank Holding Companies: June 30, 2025

  4. FDIC Insured Institution Statistics: Second Quarter 2025

  5. Prime Interest Rate, U.S.: 1955-October 2025

  6. Bond Yields & Interest Rates, U.S.: Selected Years, 1950-2024

  7. Homeownership Rates by Region, U.S.: Selected Years, 1965-2024

  8. New Privately-Owned Housing Units Started, U.S.: 1985-2024

  9. Mortgage Loans Outstanding, U.S.: 1985 - 2024

  10. Consumer Credit Outstanding, U.S.: 1975-August 2025

  11. Terms of Credit at Commercial Banks, U.S.: 2020-2nd Quarter 2025

  12. Employment in the Banking Industry, U.S.: 2019- July 2025

  13. Home Mortgages by Holder, U.S.: 2016-2024

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This industry onlyPublication date: Nov 2025
ISBN-13: 978-1-64788-588-5
ISBN-13: 978-1-64788-096-5
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