Online brokers are changing the rules of digital investing: What banks and asset managers can learn now

The German brokerage market is evolving quickly.
According to the latest Bitkom study (2025), online brokers are no longer competing only on low fees or flexibility.
Investors now expect digital platforms that combine access, simplicity and yield in one experience.

This shift reflects a broader change in investor behavior.
Clients want more control, more transparency and an investing journey that feels personal and effortless.

Key Insights 2025

Within one year, the strongest growth drivers among German investors have been:

• Broader product range (+14pp)

• Ease of use (+13pp)

• Interest on idle balances (+12pp)

Additional trends highlight the growing sophistication of digital investors:

• Real-time market data gained +10pp, showing rising demand for immediacy and transparency

• Innovative products, including new asset classes, increased by +11pp

• Even softer factors such as peer recommendations (+6pp) and perceived security (+4pp) are becoming more relevant when selecting platforms

Why This 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 meaningful 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 but as trustworthy as a private bank.

What projects or challenges in Wealth Management are you currently facing? Talk to our WealthTech experts.

FAQ: The Future of Digital Investing in Germany

1. What do German investors expect from online brokers in 2025?
They expect simple and intuitive platforms that offer real-time market data, a broad product range and personalized insights, not just low transaction fees.

2. How is investor behavior changing in Germany?
Investors are becoming more self-directed and digitally engaged. 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 stay competitive by combining their advisory expertise with digital capabilities such as portfolio aggregation, real-time analytics and easy-to-use interfaces.

4. What role does technology play in modern wealth management?
Technology enables banks and wealth managers to integrate advice, planning and execution in one ecosystem, creating an experience that matches the expectations of digital investors.

5. What will shape the future of digital investing in Germany?
Growing interest in new asset classes, the rise of mobile-first investing and an increasing focus on personalized digital advice will define the next stage of competition.