The study evaluated 145 banking apps across 20 different markets, encompassing regions in Europe, Asia, and Australia. These apps were assessed using a comprehensive set of 100 criteria.

The evaluation focused on key aspects such as the apps' functionality, the overall user experience provided to customers, and user feedback.

Each app was assigned a score ranging from 0 to 100, with the top performers being identified based on this scoring system. Mox Bank, a digital lender, was among those recognized in the top tier.