Plaid&YouGov：2024美国金融服务领域消费者行为与偏好调查报告（英文版）（28页）.pdf

1、MoneyTalksPlaid xYouGovSurvey ReportTable of contents04How Consumers FeelEvaluating trust levels&fraud fears10What Consumers UseTracing trends around digital apps,credit,&more20Where Consumers BankExploring traditional vs.digital-only banking preferences25How Consumers TransactHighlighting payment p

2、references by purchase type34Ways Consumers AcquireGetting ahead with savings,investments,and cryptoPlaid x YouGovIntroductionPlaid x YouGovFintech innovators are launching tools at remarkably fast rates.This means that both incumbents and upstarts find themselves in a game of cat-and-mouse,maneuver

3、ing to deliver value.As the pace quickens,we can only guess what technologies will define the next era of financial services.Digital wallets,pay-by-bank,and crypto,for instance,are having a moment.Users often adopt eagerly,but sustained success requires one thing:satisfying consumers wants and needs

4、.This is the essence of Money Talks.We asked 2,077 U.S.consumers about how they bank,pay,and invest.They also shared perspectives on hot topics like AI,crypto,and fraud.This report provides insights and ideas for how financial apps and services can better meet consumers needs today and be positioned

5、 for whats next.We organized the findings into five sections.?How Consumers Feel:Trust&Frau?What Consumers Use:Digital Apps,Credit,&Mor?Where Consumers Bank:Traditional vs.Digital-Only Bank?How Consumers Transact:Payment Types&Innovation?Ways Consumers Acquire:Saving,Crypto&Financial GoalsHow Consum

6、ers Feel:Evaluating trust levels&fraud fears0101How Consumers Feel:Trust&FraudTrust levels among FIsFinancial well-being is uniquely personal.As such,trust is essential for consumers when choosing apps and servicesor deciding who to bank and invest with.We asked participants about who and what they