Never miss a payment

With 2 in 3 Americans living paycheck to paycheck, and nearly half of Gen Z and Millennials unable to cover a $1,000 emergency expense, bill payment has become a deliberate act of financial management. See how billers can rise to meet consumers where they are.

See how Gen Z, Millennials, Gen X, and Boomers pay, save, and feel about the future of money, as well as where the biggest generational gaps are hiding. From debit-loving Gen Z (74.7%) to mail-loyal Boomers (31.5%), the divides are wider than you think.

• Learn why consumers are gravitating toward debit and direct-from-account payments, and what this means for biller strategies.
• Debit’s rise in bill pay is not a one-year anomaly. Data shows a durable pattern of preference that has held for years and strengthened again in 2025.

Mobile wallet use for any payment surged from 4.1% of consumers in 2018 to 43.1% in 2025, one of the fastest-growing payment behaviors in the eight-year history of the study. See who’s driving the shift and what it means for billers.

Explore how consumer sentiment on AI is polarizing along generational lines, and why 89% of consumers still prefer a live human for resolving billing issues—a preference that has grown steadily since 2022.

Find out how consumer confidence in digital payments security is holding strong, and why visible, layered security measures are now expected from every biller.