PLAID X YOUGOV
Money Talks: What consumers expect from you in 2025
Commissioned by YouGov, this independent report reveals how 2,000+ consumers view banking, payments, credit, fraud, and investing in 2025. Get the insights to stay ahead.
Turn consumer trends into your competitive advantage
Financial services are evolving fast. Money Talks gives you actionable insights to adapt your strategy, so you can stay ahead.
Understand key trends shaping financial services in 2025
Know how to build consumer trust and long-term loyalty
Capitalize on shifts in digital banking, lending, and more
Turn consumer trends into your competitive advantage
Financial services are evolving fast. Money Talks gives you actionable insights to adapt your strategy, so you can stay ahead.
Understand key trends shaping financial services in 2025
Know how to build consumer trust and long-term loyalty
Capitalize on shifts in digital banking, lending, and more
said they would share their financial data for enhanced security measures
said they would “likely” pay by bank if the account linking process was easy
participants said their credit scores accurately reflect their financial health
What’s inside the report?
In partnership with YouGov, we gathered unbiased insights from 2,000+ consumers on how they engage with financial services. Here’s what we found:
How consumers feel
• Trust levels in banks, fintechs, and neobanks—and what builds confidence
• Why 60% are willing to share financial data and what they expect in return
• Top fraud concerns and how consumers protect themselves
What consumers use
• Top tools for payments, credit, and financial management
• Why some hesitate to adopt fintech—and how to change that
• AI in finance: what’s hype and what’s reality
Ways consumers acquire
• 50% of borrowers find lenders online—across all income levels
• 56% of crypto investors hold 25–75% of assets in digital currencies
• Consumer perceptions and usage of AI-driven investing
How consumers transact
• The future of payments: cards, transfers, wallets, and pay-by-bank
• What drives payment choices—and what holds consumers back
• The rise of alternative payments and how to leverage them
Where consumers bank
• 30% trust neobanks, but only 13% use them—find out why
• Key features that drive bank switching in 2025
• Why some still prefer traditional banks over digital options