2019年移动市场_银行和金融（英文版）_21页_4mb

App Annie 2019 Mobile Report Summary: Banking & Finance

Core Content

This report provides insights into the global mobile market, focusing on the banking and finance sector. It highlights the growing importance of mobile in the financial industry, the rise of fintech apps, and the impact of mobile usage on consumer behavior and business strategies.

Key Trends in Banking & Finance

• Global Finance App Downloads: In 2018, global downloads of finance apps reached 3.4 billion, up 75% from 2016. Emerging markets such as Brazil, India, and Indonesia saw the strongest growth, with Indonesia experiencing nearly 400% growth.

• Mobile Banking Usage: The average user checked their bank account on mobile nearly daily in 2018, up 35% from 2016. UK users checked their bank apps 7 times a week, while Australian users checked them nearly 10 times a week. In contrast, Japanese users checked their bank apps only one-third of the global average, despite 15% growth from 2016.

• Fintech App Growth: Fintech apps showed significant growth in sessions and user engagement, indicating they are becoming weekly or even daily habits. Canada, Australia, and Indonesia saw notable increases in both total sessions and average MAU.

• PayPay's Rapid Adoption: PayPay, a Japanese fintech app developed by SoftBank, experienced a 46x increase in weekly active users (WAU) in Japan within the first two months of its launch. This was supported by 20% cashback promotions and a strategic partnership with PayTM from India.

• User Engagement on Mobile: The average user spends 3 hours a day on mobile, with mobile apps taking up 17% of daily time in emerging markets like Indonesia. This reflects the ubiquitous use of mobile for various activities including banking, social media, and gaming.

• App Usage Habits: In the US, South Korea, Japan, and Australia, the average consumer has over 100 apps on their smartphone. These markets also showed significant two-year growth in the number of apps installed and used.

Key Insights

• Mobile is the first screen: It has become the primary device for daily activities, including banking, shopping, and social interactions.

• Emerging markets are key drivers: Despite slower growth in mature markets, emerging markets continue to fuel the mobile economy with high growth rates in app downloads and user engagement.

• Fintech is a disruptive force: Fintech apps are not only growing in usage but are also challenging traditional banks by offering convenient, user-friendly alternatives for financial services.

• Consumer trust in mobile: Users increasingly trust mobile apps with their sensitive financial information, leading to higher engagement with banking brands.

Strategic Implications

• Mobile-first strategy: Banks and fintech companies must adopt a mobile-first approach to remain competitive and relevant in the evolving financial landscape.

• Data consolidation: Tools like App Annie Connect allow businesses to consolidate app store, usage, and advertising data into one dashboard, enabling better decision-making.

• Global expansion opportunities: Emerging markets present vast potential for growth, especially in branchless banking and alternative financial services.

Additional Resources

• App Annie Intelligence: Offers accurate mobile market data and insights for businesses worldwide.

• App Annie Connect: Provides a comprehensive view of app performance through a unified dashboard.

• Further Reading: Includes reports and webinars on the mobile market, app economy forecast, and popular apps across iOS and Google Play.

About App Annie

App Annie is a leading provider of mobile data and insights, with over 1 million registered members. It is based in San Francisco and has 15 global offices, having received $157 million in financing from notable investors.

Conclusion

The mobile economy is transforming the financial industry, with fintech apps leading the way in user engagement and growth. Mobile is not only democratizing access to financial services but also shaping new consumer behaviors. For businesses, leveraging mobile data and insights is essential to stay competitive and drive growth.