Fintech App User Behavior & Needs Segmentation Survey

Welcome, and thank you for participating in this survey about your use of financial apps. This survey takes approximately 7–8 minutes to complete. Your participation is entirely voluntary, and you may stop at any time. There are no right or wrong answers — we are simply interested in your honest opinions. All responses are confidential, will be anonymized, and reported only in aggregate for internal research purposes.

How often do you use any financial app (e.g., banking, payments, investing)?

• Daily
• Several times a week
• Once a week
• A few times a month
• Monthly or less
• Never

Which types of financial apps or services do you currently use? Please select all that apply.

• Mobile banking app from my bank
• Neobank or digital-only bank
• Person-to-person payments (e.g., Venmo, Cash App)
• Buy now, pay later (BNPL)
• Budgeting or expense tracking app
• Investment or stock trading app
• Robo-advisor or automated investing
• Cryptocurrency exchange or wallet
• Savings or round-up app
• Credit score/monitoring app
• None of the above
• Other (please specify)

Overall, how satisfied are you with the financial apps you currently use?

Please rank the following factors from most to least important when choosing a financial app.

1. Low/transparent fees
2. Security and privacy
3. Ease of use
4. Speed of transfers
5. Rewards/cashback
6. Customer support quality
7. Interest rates/APY

Which of the following, if any, would you consider trying in the next 6 months? Please select all that apply.

• Open an account with a neobank
• Use buy now, pay later for a purchase
• Try a robo-advisor
• Start using a cryptocurrency wallet or exchange
• Use a round-up savings tool
• Get an earned wage access/paycheck advance service
• None of the above
• Other (please specify)

Based on your responses throughout this survey, is there anything else you'd like to share about your experiences, frustrations, or wishes regarding financial apps?

What is your age?

• 18–24
• 25–34
• 35–44
• 45–54
• 55–64
• 65+
• Prefer not to say

Thank you for completing this survey — your responses have been recorded and will help improve financial app experiences. We appreciate your time!

What is the one financial app you use most often? (Optional)

How much do you trust the financial apps you use to keep your personal information and money secure?

What is the maximum monthly fee you would be willing to pay for a financial app that meets all of your needs?

• $0 — I would only use a free app
• $1–$4.99
• $5–$9.99
• $10–$14.99
• $15–$24.99
• $25 or more

Which best describes your gender?

• Woman
• Man
• Non-binary
• Prefer to self-describe
• Prefer not to say

In the past 3 months, how often have you used financial apps for making payments or transferring money?

• Daily or almost daily
• A few times a week
• A few times a month
• Once or twice in the past 3 months
• Never

If you selected 'Prefer to self-describe' above, please share here. (Optional)

In the past 3 months, how often have you used financial apps for saving, investing, or managing your portfolio?

• Daily or almost daily
• A few times a week
• A few times a month
• Once or twice in the past 3 months
• Never

In which country do you currently reside?

• United States
• United Kingdom
• Canada
• Australia
• Germany
• France
• India
• Brazil
• Mexico
• Japan
• Other (please specify)

In the past 3 months, how often have you used financial apps for budgeting, tracking expenses, or monitoring your credit?

• Daily or almost daily
• A few times a week
• A few times a month
• Once or twice in the past 3 months
• Never

What is the highest level of education you have completed?

• Less than high school
• High school or GED
• Some college or 2-year degree
• Bachelor's degree
• Graduate or professional degree
• Other
• Prefer not to say

Which device do you mainly use for financial apps?

• Smartphone
• Tablet
• Laptop/Desktop
• Other

What is your current employment status?

• Employed full-time
• Employed part-time
• Self-employed
• Student
• Homemaker
• Unemployed
• Retired
• Unable to work
• Prefer not to say

What is your approximate total annual household income before taxes?

• Under $25,000
• $25,000–$49,999
• $50,000–$74,999
• $75,000–$99,999
• $100,000–$149,999
• $150,000 or more
• Prefer not to say