Why digital banking is good for the society.

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Roughly three in four Americans (78%) prefer banking via a mobile app or website to banking in person, according to a 2023 Forbes Advisor U.S. Consumer Banking Statistics study.

The global pandemic may have brought the significance of digital banking platforms to the surface, but mobile and online banking isn’t new.

“The pandemic merely accelerated a phenomenon that was already taking place,” says Kevin Cohee, owner, chairman and CEO of OneUnited Bank, the nation’s largest Black-owned bank, headquartered in Boston.Traditional banking methods—by branch, phone or ATM—aren’t as appealing anymore. Many banks closed branches during the Covid-19 pandemic or limited branch hours, and customer service call lines are often backed up. It’s no surprise that many banking customers have taken advantage of digital banking options over the past few years. Digital banking banking activity conducted entirely online, either through a website or mobile app. It lets customers perform banking transactions and access banking services remotely, without having to visit a physical branch.

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