Young consumers are shaking up how money moves. From the advisors they trust, to the tools they use to budget, save, invest, and pay, Gen Z and Millennials are running full speed into financial tech. They’re managing their finances primarily through their phones, are open to hybrid advisor-AI models, they’re adopting crypto alongside traditional investments, and using mobile wallets and peer-to-peer apps as everyday financial tools. This all impacts what they expect from financial brands—and even the brands they’re paying for regular purchases.
In YPulse’s 2025 Fintech report, we explore where young consumers are keeping their money now, how much trust they put in AI financial advisors, who they’re looking to for finance advice, what payment apps they’re using, and more.
Report length: 20 pages, North America report is based on surveys of 1500 13-39-year-olds in the U.S. and Canada, fielded September 2025. Western Europe report is based on a survey of 2500 13-39-year-olds in the U.K., Italy, Spain, France, and Germany, fielded in September 2025
