Super Apps in Banking

Opportunities and Risks for Banks in the Age of Rebundling

Executive Summary

Consumers’ growing time spent with mobile and their overwhelming choice of products and providers are driving demand for rebundling in financial services. Super apps are emerging as the solution to meet this demand and improve the digital customer experience. Banks must start deciding today how to engage in the super apps trend to stay relevant to consumers.


  1. How will super apps change the digital user experience in financial services?
  2. How will super apps’ rise change the banking industry’s customer relationships?
  3. How can banks of different sizes best monetize the super apps opportunity?

WHAT’S IN THIS REPORT? We explain how super apps will transform the digital customer experience, examine the disruptors banks will face when entering the super apps market, and lay out strategies banks can use to navigate the rise of super apps.

KEY STAT: Over a third of global executives believe it’s “highly likely” that the bulk of financial transactions will take place through a single super app within the next decade, per an October 2020 Economist Intelligence Unit survey. Though the model may seem futuristic, banks must start preparing for its advent today.

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    Table of Contents

    1. Executive Summary
    2. Key Points
    3. Banks Must Decide How, Not if, to Plunge Into Super Apps
    4. Banks Will Soon Play in a Super Apps World
    1. What Banks Stand to Win—and Lose—in the Super Apps Market
    2. Here’s How Banks Should Embrace Super Apps
    3. Insider Intelligence Interviews
    4. Read Next
    1. Sources
    2. Media Gallery

    Interviewed for This Report

    Daniel Kornitzer
    Chief Business Development Officer
    Interviewed March 8, 2022
    Amit Parikh
    Green Dot
    Executive Vice President, Banking Platform Services
    Interviewed March 3, 2022

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    Maria Elm


    Tyler Brown
    Senior Analyst
    Tiffani Montez
    Principal Analyst, Banking
    Daniel Ramirez
    Researcher, Financial Services

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