Online brokers are changing the rules of digital investing: What banks and asset managers can learn now
Christian Paulus
The German brokerage market is evolving rapidly.
According to the latest Bitkom study (2025), online brokers are no longer competing solely on low fees or flexibility. Investors now expect digital platforms that combine access, simplicity, and returns into a single experience.
This shift reflects a broader change in investor behaviour. Customers want more control, greater transparency, and an investment journey that feels personal and effortless.
Key Insights 2025
Within one year, the strongest growth factors among German investors were:
Broader product range (+14pp)
Ease of use (+13pp)
Interest on unused cash balances (+12pp)
Additional trends highlight the increasing sophistication of digital investors:
Real-time market data increased by +10pp, showing the growing demand for timeliness and transparency
Innovative products, including new asset classes, rose by +11pp
Even soft factors such as peer recommendations (+6pp) and perceived security (+4pp) are becoming increasingly important when choosing platforms
Why it matters for banks and wealth managers
These findings send a clear signal. Digital investors have matured and now expect a unified experience that connects investing, banking, and advice.
For banks and wealth managers, this is both a challenge and an opportunity. Institutions that combine intuitive design, real-time data, and relevant advice can attract investors who are increasingly looking beyond traditional providers.
The next generation of clients expects digital platforms that are as convenient as an app, yet as trustworthy as a private bank.
Which projects or challenges in wealth management are you currently tackling? Speak with our WealthTech experts.
FAQ: The Future of Digital Investing in Germany
1. What do German investors expect from online brokers in 2025?
Investors expect simple and user-friendly platforms that offer real-time market data, a broad product range, and personalised insights, not just low transaction fees.
2. How is investor behaviour changing in Germany?
Investors are becoming increasingly independent and digitally active. They value transparency, quick access to information, and a seamless experience across all devices.
3. How can traditional banks compete with digital brokers?
Banks can remain competitive by combining their advisory expertise with digital capabilities such as portfolio aggregation, real-time analytics, and simple user interfaces.
4. What role does technology play in modern wealth management?
Technology allows banks and wealth managers to integrate advice, planning, and execution into a single ecosystem, creating an experience that meets the expectations of digital investors.
5. What will shape the future of digital investing in Germany?
The growing interest in new asset classes, the rise of mobile-first investing, and the increasing focus on personalised digital advice will define the next level of competition.
