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Consumer Financial Health & Behavior Survey

Measures how everyday consumers manage money: budgeting habits, financial stress, product usage, spending allocation, and satisfaction with their primary bank or financial provider. An AI follow-up interview digs into the real story behind a recent financial decision or stressful moment instead of settling for a scale score. Built for banks, fintechs, and researchers tracking consumer financial wellbeing.

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Sample questions

A preview of what’s in the template. Every question is editable before you launch.

14 questions · ~7 min
Q01
Message

Hi! Thanks for taking a few minutes to talk about your finances. There are no wrong answers — we just want an honest picture of how you manage money day to day. This should take about 6 minutes and your responses are kept confidential.

Q02
Multiple ChoiceRequired

Which of the following financial products or services do you currently use?

  • Checking or savings account
  • Credit card
  • Credit union membership
  • Investment account (stocks, ETFs, retirement)
  • Buy-now-pay-later service
  • Personal loan
  • Mobile payment app (e.g., Venmo, PayPal)
  • None of these
Q03
MatrixRequired

In the last 30 days, how often have you done each of the following?

4 rows × 5 columns
  • Tracked my spending (app, spreadsheet, or otherwise)
  • Paid my credit card balance in full
  • Set money aside into savings before spending it
  • Reviewed my budget or financial plan
Columns: Never · Rarely · Sometimes · Often · Always
Q04
Opinion ScaleRequired

Right now, how much stress do your personal finances cause you?

Scale: 0 – 10
Min:No financial stress at allMax:Extreme financial stress
Q05
Point AllocationRequired

Thinking about a typical month, how do you split your take-home pay across these categories? Please allocate 100 points total.

  • Housing (rent or mortgage)
  • Debt payments (loans, credit cards)
  • Savings & investments
  • Everyday essentials (food, transport, utilities)
  • Discretionary spending (entertainment, dining out)
Allocate 100 points
Q06
RankingRequired

When choosing a financial product or provider, rank these factors from most to least important to you.

  1. Low fees
  2. Interest rates or returns
  3. Ease of use (app or website)
  4. Customer service quality
  5. Trust or reputation of the provider
  6. Recommendations from friends or family
Drag to rank
Q07
Rating ScaleRequired

How satisfied are you with your primary bank or financial provider?

Range: 1 – 5
Min:Very dissatisfiedMax:Very satisfied
Q08
Opinion ScaleRequired

How likely are you to switch your primary bank or financial provider in the next 6 months?

Scale: 0 – 10
Min:Not at all likelyMax:Extremely likely
Q09
AI Interview

Reconstruct one specific recent moment tied to the respondent's financial stress or switching-likelihood answer: what triggered it (a bill, a purchase, a bank interaction), what they actually did about it, and how it turned out. If their stress score was near zero, ask what habit or safety net makes them feel secure instead. If they said they're likely to switch providers, probe exactly what would need to happen for them to actually follow through.

Q10
Multiple Choice

What is your main financial goal for the next 12 months?

  • Build an emergency fund
  • Pay down debt
  • Save for a major purchase (home, car, etc.)
  • Increase retirement savings
  • Improve daily budgeting
  • No specific goal right now
Q11
Multiple Choice

What is your age range?

  • 18-24
  • 25-34
  • 35-44
  • 45-54
  • 55-64
  • 65 or older
  • Prefer not to say
Q12
Multiple Choice

What is your total annual household income?

  • 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
Q13
Multiple Choice

What is your current employment status?

  • Employed full-time
  • Employed part-time
  • Self-employed
  • Unemployed
  • Student
  • Retired
  • Prefer not to say
Q14
Message

That's everything — thank you for being so open about your finances. Your answers will be combined with others to help shape better financial products and support, and kept confidential throughout.

What’s included

  • AI follow-ups

    Adaptive probes on open-ended answers that pull out detail a static form would miss.

  • Attention checks

    Built-in safeguards against rushed answers and low-quality respondents.

  • AI-drafted copy

    Wording, ordering, and branching written by the AI — tuned to your research goal.

  • Auto report

    Themes, quotes, and a plain-English summary write themselves once responses come in.

How it compares

We reviewed the closest templates from other survey tools. Here’s what they do well — and where this template goes further.

Why this template

  • Goes beyond satisfaction scales with an AI follow-up interview that reconstructs one specific recent financial decision or stressful moment, capturing the real story instead of just a score
  • Combines quantitative structure (matrix of monthly financial behaviors, constant-sum budget allocation, product ranking, satisfaction and switching-likelihood scales) with qualitative depth in one flow
  • Covers the full picture banks and fintechs need — product usage, spending allocation, stress levels, provider satisfaction, and 12-month financial goals — alongside standard income/employment/age demographics
  • Transparent prompts and automated per-response quality scoring give researchers visibility into how the AI probed and how reliable each response is, with an auto-generated report at the end

QuestionPro

Consumer Finances Survey Questions Template

A dedicated, fielding-ready template covering consumer financial topics, built on QuestionPro's established survey platform. It offers pre-written questions and standard logic/branching but is a fixed questionnaire rather than a conversational or adaptive instrument. Best suited for teams wanting a quick, editable static survey rather than deeper narrative insight.

What it does well

  • Purpose-built financial survey template (not a generic consumer behavior form)
  • Backed by a mature survey platform with broad question-library and distribution tooling
  • Likely offers customizable question logic and reporting dashboards typical of QuestionPro

Where it falls short

  • Static question set with no adaptive AI follow-up to probe the reasoning behind a stressful financial moment
  • No voice AI interview option or guided screen-share task capability
  • No transparent, published prompt methodology or automated per-response quality scoring

Ready to launch?

Open this template in the editor. Every part is yours to change before the first respondent sees it.

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