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  "documentTitle": "Banking Consumer Study 2025",
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      "text": "Note: We define digital banks as an entity, either independent or owned by a traditional bank, with little or no physical branch network, offering a checking or “current” account or an interest-bearing account and providing at least one of the following: non-credit-card lending or investment services.",
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      "text": "And the digital bank presence is growing, with significant impact on the shape of the market overall. Interestingly, in many markets, digital banking is concentrated among a few dominant players. Of the 39 countries studied, 92% had medium-to-high market concentration, often with a single player commanding a substantial market share as a primary or secondary bank. For example, Mercado Pago in Argentina and Nequi in Colombia have gained substantial market share, particularly by serving previously unbanked populations. In Ireland, Revolut has evolved from a peer-to-peer payment platform to a comprehensive banking solution provider.",
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