SuperApps in Banking: A comprehensive report on the SuperApp trend

What’s inside the report?

A new era of digital banking

With 90% of Europeans using mobile internet and 77% shopping online, banking is undergoing a fundamental shift. No longer just financial service providers, banks are transforming into digital platforms that seamlessly integrate with users’ daily lives – from shopping and transport to communications.

Barriers and risks

Only 35% of banks currently have the modular infrastructure needed to deliver modern, flexible services. Our report takes a closer look at the technological, regulatory, and operational hurdles on the road to building a successful SuperApp. We also explore data security challenges in multi-service ecosystems and the growing pressure from regulatory bodies.

Vision and future directions

We explore how Super Apps may evolve by 2030, highlighting scenarios for different players – from traditional banks and e-commerce platforms to government services. The report examines the disruptive potential of non-bank giants like Allegro, Żabka, and InPost, and outlines strategic options for banks – from platform-based models to embedded finance and streamlined “light” apps.

Lessons from the market – what really works?

We present real-world examples from across the globe where the SuperApp concept has been successfully implemented. Whether it’s WeChat with 1.4 billion users, Alipay, Revolut with 35 million users, or Belgium’s KBC Mobile with 2.3 million users, each case offers a unique blueprint – from messenger apps to banking and commerce platforms.

Expert comment from FinTech Poland

The report features insights from Piotr Brewiński, CEO of FinTech Poland, the largest fintech association in Poland. The organisation sees SuperApps not just as a tech trend, but as a new, platform-based banking model – integrated and focused on users’ everyday needs.