At Banking 4.0, Kearney will unveil the 2025 results of its renowned Retail Banking Share of Wallet study — now in its third edition. This annual report offers exclusive insights into shifting customer behaviors and market dynamics, making it a must-attend session for anyone shaping the future of retail banking.
This year’s results reveal how Romanian retail banking is shifting compared to 2024 and 2023, highlighting both new opportunities and emerging risks for banks.
Key questions explored by the study:
Are Romanians becoming more loyal or more fragmented? Do they consolidate their financial lives with fewer banks, or are they increasingly spreading across multiple providers?
Multi-banking is easier than ever thanks to digital channels – but do Romanians really embrace it? What does this mean for banks: are they losing ground, or capturing more share of wallet?
Customer dynamics: who is gaining share, who is losing? Which banks are most attractive to customers today, and which ones are most at risk of churn tomorrow?
The loyalty test: are customers still “looking around” for alternatives, or are some banks successfully locking in relationships in an age of instant switching?
The 2025 study provides a sharp view of how customer behavior is evolving – and what it means for banks aiming to win (or defend) leadership in a market where switching has never been easier, but loyalty has never been more valuable.
The study will be presented at international fintech conference Banking 4.0 by Florian Teleabă – Principal at Kearney. Here’s his perspective on it:
„Romanian retail banking is evolving fast: loyalty is harder to earn, multi-banking easier than ever. In fact, Romanian customers are redefining loyalty and multi-banking. This study shows clearly who’s gaining, who’s losing, and how customer behavior is shifting. Excited to discuss how banks can act on these insights to capture real share of wallet.”
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International fintech conference Banking 4.0 returns on November 25–27 at the Sinaia Casino, bringing together 350+ experts from 25 countries. This year’s theme — ‘From Utility to Lifestyle’ — explores how financial institutions can move beyond functionality to become trusted lifestyle partners, empathetic advisors, and community builders. Don’t miss the future of banking, redefined.
Banking 4.0 – „how was the experience for you”
„To be honest I think that Sinaia, your conference, is much better then Davos.”
Many more interesting quotes in the video below:
