Gen Z and Millennials are getting more serious about their money this year: teens are opening bank accounts at higher rates, and mobile wallets have basically taken over as young adults’ go-to way to pay. But when it comes to actually investing, something is still holding them back. YPulse’s 2026 Fintech Behavioral Report gets into what that is, plus how social media and AI are already changing where young people turn for financial advice.
In YPulse’s 2026 Fintech Report, we dive into why mobile wallets have overtaken physical debit cards as young adults’ top way to pay in person, why enthusiasm for crypto and NFTs is pulling back even as long-term belief holds steady, and how debt and financial confidence are holding young people back from investing.
Report length: 21 pages, North America report is based on a survey of 1500 13-39-year-olds in the U.S. and Canada (n=1000 U.S., n=500 Canada), fielded July 7–15, 2026.
