A new study from Juniper Research has identified Monobank as the most disruptive fintech in digital-only banking globally in 2025.
„As part of the Future Leaders 100: Fintech 2025, Juniper Research evaluated 18 innovative digital-only banks in our Future Leaders Index. We have robustly scored them on investment, raised capital and the level of innovation displayed. The Future Leaders Index positions companies as either challenging dominant players in established markets, or future leaders in emerging markets.” – Juniper said.
The top five fintech future leaders in digital-only banking ranked by Juniper Research are: 1-Monobank, 2-Mercury, 3-Sumeria. 4-Cora, 5-Kuda.
Monobank Leveraging Gamification for Success
The analysis identified Monobank as the leading challenger to established digital-only banks due to its successful implementation of gamification across its consumer banking app, an innovative strategy to drive customer engagement. Monobank has introduced a playful cat mascot, alongside achievement badges for completing banking tasks. This is integrated into their onboarding process and maintains user engagement while in-app, reducing drop-off rates.
Research author Daniel Bedford explained: “The report also recognised Monobank’s innovative gamification approach across its suite of financial products, which encourage its customers to follow a healthy lifestyle while building savings. For example, its Deposit Savings Account has a high interest rate of 21%, but this falls to 11% if the customer does not complete 10,000 steps during the day, incentivising healthy behaviours and boosting engagement.”
Banking 4.0 – „how was the experience for you”
„So many people are coming here to Bucharest, people that I see and interact on linkedin and now I get the change to meet them in person. It was like being to the Football World Cup but this was the World Cup on linkedin in payments and open banking.”
Many more interesting quotes in the video below:
