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Global person-to-person (P2P) stablecoin remittances will total how much by 2035?
A) $860 million B) $5 billion C) $79 billion D) $155 billion
Global P2P stablecoin remittances will grow from $860 million in 2026 to $155 billion by 2035, forecasts Jupiter Research.
What percentage of middle-market firms say fraud is typically detected after a payment is already settled or treated as “done”?
A) 17% B) 37% C) 57% D) 77%
Some 57% of businesses said fraud is typically detected after a payment is already settled, and learn of the failure later via returns, disputes, or outreach from the receiving bank, according to PYMNTS Intelligence’s March survey.
What percentage of prospective borrowers feel shame or embarrassment before submitting a loan application?
A) 23% B) 33% C) 43% D) 53%
One-third of borrowers feel shame or embarrassment before submitting a loan application, found an Advance America survey.
What percentage of financial services and insurance firms are increasing their AI budgets over the next 12 months?
A) 65% B) 75% C) 85% D) 95%
A large majority (85%) of financial services and insurance firms are increasing AI budgets over the next 12 months, according to PYMNTS Intelligence.
True or false? Renters are more likely to be buy now, pay later (BNPL) users than homeowners.
True. Nearly a quarter (23.2%) of renters made at least one BNPL transaction in Q1 2026, compared with 12.8% of homeowners, found Consumer Edge.
Which bank earned the top spot for overall customer satisfaction in J.D. Power’s 2026 US Direct Banking Satisfaction Study?
A) Ally B) American Express C) Charles Schwab Bank D) Chime
Charles Schwab Bank ranked first, scoring 750 out of 1,000 points, placing it ahead of American Express (696), Ally (690), and Chime (684).
What is the top reason women say they haven’t begun investing in the stock market?
A) The risks involved/they’re concerned about losing money B) They don’t have enough money to start C) They don’t know how/where to begin D) They prefer to stick with savings
Over a third (35%) of US women over the age of 18 say they don’t have enough money to start investing in the stock market, according to CivicScience. Other reasons include the risks involved (20%), they don’t know where to begin (14%), and preferring to stick with savings (13%).
Gen Z consumers are how much more likely than the average consumer to want financial advice from AI?
A) 43% B) 53% C) 63% D) 73%
Gen Zers are 73% more likely than the average consumer to want AI for financial advice, according to a recent report from PYMNTS Intelligence and Velera.
What are consumers who are very concerned about gas and energy prices most likely to do with their tax refund this year?
A) Put it aside B) Pay off debt C) Home improvement D) Invest it
Some 30% of consumers who are very concerned about gas and energy prices are going to use their tax refund to pay off debt, according to CivicScience. Nearly a quarter (24%) will put it aside, 12% will invest it, and 9% will use it for home improvement.
True or false? More than half of US consumers are using AI to help them make financial management decisions.
True. Some 55% of US consumers are using AI to aid their financial management decisions, up from 10% last year, found TD's second annual US AI Insights Report.
Helping hand: In which area do lenders believe AI will have the strongest impact on their commercial lending process?
A) Portfolio management B) Underwriting/approval C) Application/proposal D) Post-closing
Twenty-nine percent of lenders believe AI will have a strong impact (over 20% reduction in cost and/or significant reduction in cycle time) in the underwriting/approval process, found a recent Cornerstone Advisors report. Some 23% believe it will have a strong impact in portfolio management, 22% say it will strongly impact the application/proposal phase, and 18% say AI will have a strong impact post-closing.
Pulling rank: Which of the following is ranked highest on JD Power’s 2026 US investor satisfaction study among DIY investors?
A) Ally B) Fidelity C) Citi D) SoFi
SoFi scored a 724 on 1,000 point scale on JD Power’s ranking, ahead of Citi (710), Ally (707), and Fidelity (707).
It adds up: In 2025, Zelle users sent and received 1.8 billion transactions worth …
A) $324 billion B) $410 billion C) $556 billion D) $699 billion
Zelle transactions reached $556 billion in 2025, up 18% YoY, according to Bank of America.
Supply and demand: True or false? Retailer demand for tokenized payments is higher than what banks currently offer.
True. Some 84% of retailers will start to use or plan to use tokenized payments over the next three years, however only 46% of banks currently offer that service, according to KPMG’s Partnering for Payment Modernization report.
Up and up: By how much did total US bankcard balances increase in Q4 2025?
A) 1.1% B) 2.1% C) 3.1% D) 4.1%
Bankcard balances increased 4.1% YoY to reach $1.12 trillion in Q4 2025, according to Equifax.
Switching lanes: What percentage of auto insurance holders are likely to switch providers in the next 90 days?
A) 23% B) 33% C) 43% D) 53%
One-third of auto insurance holders in the US are likely to switch, found CivicScience.
Up or down: True or false? Global fintech investment increased in 2025 even though overall deal volume went down.
True. Global fintech investment reached $116 billion in 2025, up from $95.5 billion in 2024, according to KPMG. However, the number of deals fell to 4,719, an eight-year low.
It’s automatic: Among the 38% of cardholders who received a credit limit increase in the past year, what percentage were granted one without requesting it?
A) 36% B) 46% C) 56% D) 66%
Over half of cardholders who got a credit limit increase in the past year got one without requesting it, according to a PYMNTS Intelligence and Elan Credit Card report. However, about two-thirds (67%) of cardholders who explicitly requested a limit increase were denied.
Agent of change: What percentage of retail bankers regularly work with AI agents?
A) 24% B) 34% C) 44% D) 54%
Over a third of retail bankers regularly work with AI agents, according to Accenture’s 2026 Pulse of Change report.
First choice: Which feature ranks highest among consumers who use retirement mobile apps?
A) Security settings B) Account balance information C) Account statements D) Transaction confirmations
Some 88% of retirement app users rank account balance information as the most important feature, the most important feature followed closely by security settings (87%), account statements (83%), and transaction confirmations (83%).
Seed money: Total global funding to venture capital-backed fintech startups reached $51.8 billion in 2025, an increase of …
A) 7% B) 17% C) 27% D) 37%
Global fintech funding grew 27% last year, according to Crunchbase.
Wave goodbye: What percentage of US consumers have switched their financial services provider after receiving an unexpected fee?
A) 10% B) 20% C) 30% D) 40%
Nearly a third of consumers have switched providers after an unexpected fee, according to Attest’s 2026 US consumer trends report. While the majority of consumers report staying, 40% of them say the unexpected fee caused them to lose trust for their provider.
Good as is: What percentage of merchants didn’t add any new payment methods in 2025?
A) 4% B) 14% C) 24% D) 34%
Nearly a quarter of merchants added no new payment methods in 2025, according to Visa’s 2025 Global Ecommerce Payments & Fraud Report.
That’s not right: What’s the most common reason consumers dispute a purchase with their payment provider?
A) Owed a refund that wasn’t received B) Fraudulent purchase by someone else C) Item/servicen ever arrived or arrived later than promised D) Item/service was not as described when purchased
38% of consumers have disputed a purchase because of a fraudulent purchase, the top reason for disputes, according to Sift’s Q4 2025 Digital Trust Index.
In good shape: What percentage of US consumers say their financial well-being is somewhat or very good?
A) 26% B) 36% C) 46% D) 56%
Over half of consumers say their financial well-being is somewhat or very good, according to Logica's Future of Money 2025 report. However, of that percentage, 75% say they experience financial stress.
Bad actors: Unauthorized-party fraud accounts for what percentage of total incidents and dollar losses at US financial institutions?
A) 31% B) 51% C) 71% D) 91%
Unauthorized-party fraud makes up nearly three-quarters (71%) of total incidents and dollar losses in the US, up from 48% last year, according to a report from Block and PYMNTS Intelligence.
BNPL breakdown: How much did consumers spend with buy now, pay later (BNPL) services during the month of November?
A) $6.3 billion B) $7.8 billion C) $9.2 billion D) $9.0 billion
US consumers spent $9.0 billion with BNPL services from November 1 to November 30, up 8.6% YoY, according to Adobe Analytics.
Help yourself: What percentage of do-it-yourself (DIY) wealth management apps (where users manage their money themselves) offer AI-powered virtual assistants?
A) 30% B) 40% C) 50% D) 60%
Some 60% of DIY apps and 54% of advisor-based apps offer virtual assistants, according to the J.D. Power 2025 US Wealth Management Digital Experience Study.
In the comfort zone: What percentage of mortgage customers are completely comfortable with their lenders using AI in the mortgage origination process?
A) 24% B) 34% C) 44% D) 54%
Over half (54%) of customers are completely comfortable with AI in the mortgage origination process, while another 31% are partially comfortable, according to the J.D. Power 2025 U.S. Mortgage Origination Satisfaction Study. However, 71% say it is very important for their lender to inform them when they are using AI.
A little help: What percentage of chief financial officers (CFOs) have leveraged genAI for over five use cases in 2025?
A) 34% B) 44% C) 54% D) 64%
Nearly half (44%) of CFOs are using genAI for more than five use cases, up from 7% in 2024, according to McKinsey.
Made for you: What percentage of women say the products and services recommended to them by their financial institution (FI) are relevant to their unique needs?
A) 7% B) 17% C) 27% D) 37%
Over a third of US women feel their FI’s products and services are tailored to their needs, according to a recent Alkami report. Comparatively, 51% of men said the same.
Gotcha: At which stage of the customer lifecycle do most financial institutions (FIs) typically detect fraud?
A) At the time of onboarding B) At the time of the transaction C) After the transaction (fraud) has occurred
Over half (56%) of FIs discover fraud at the time of transaction, 33% discovering at the time of onboarding, and 12% discover it after the fact, according to Alloy’s State of Fraud report.
Choices, choices: What is the top reason consumers use buy now, pay later (BNPL) to make a purchase?
A) Not feeling like they’re taking on debt B) Trust in the provider C) Purchasing something while maintaining a cash cushion D) Easy and convenient application
Some 28.5% of consumers use BNPL because it's an easy and convenient way to pay, the motivation for using the service, according to PYMNTS Intelligence. Tied for second are trust in the provider (27.9%) and maintaining a cash cushion (27.9%), followed by not feeling like they’re taking on debt (24.1%).
In the holiday spirit: True or false? More than a third of consumers say buying gifts is more important than having a credit card balance this holiday season.
True. Some 37% of consumers believe buying gifts is more important than a credit card balance, according to data from Censuswide.
In the clouds: Only 7% of financial institutions (FIs) worldwide are currently fully cloud-based. How many plan to achieve full adoption within five years?
A) 10% B) 25% C) 45% D) 60%
A quarter of FIs plan to achieve full adoption of the cloud within five years, based on a Finextra Research survey commissioned by ACI Worldwide.
True potential: How much could banks and credit unions stand to gain by integrating credit reporting capabilities into their checking and payment accounts?
A) $50 billion B) $75 billion C) $90 billion D) $110 billion
Banks and credit unions can recapture $110 billion in deposits and generate more than $1.5 billion in interchange fees by integrating credit reporting capabilities into their checking and payment accounts, according to data from Cornerstone Advisors.
Under threat: Which of the following do banking executives consider their greatest competitive threat?
A) Local banks and/or credit unions B) Big/super regional banks C) Fintech companies D) Neo/challenge banks
Some 60% of US bank executives say local banks and/or credit unions are one of the top three greatest competitive threats, according to BankDirector's 2025 Technology Survey. This is followed by big/super regional banks (53%), fintech companies that offer a range of products, like Paypal or Block (44%), and neo/challenger banks that attract consumer deposits, such as Chime (40%).
Getting priorities straight: What percentage of retirement plan website and app users said security was more important to their overall digital convenience than convenience?
A) 32% B) 42% C) 52% D) 62%
Nearly two-thirds (62%) of retirement plan website and app users said security was more important than convenience to their overall digital experience, according to the J.D. Power 2025 U.S. Retirement Plan Digital Experience Study, as reported by PlanSponsor.
At a loss: True or false? Small businesses estimate an average annual loss of $15,000 due to late payments.
False. Small businesses actually lose an average of $39,406 annually due to late payments and 9% of them lose $100,000 or more, according to data from PYMNTS Intelligence and American Express.
Trust the process: What is the most trusted payment method globally?
A) Local payment methods B) Credit cards C) Digital wallets D) Debit cards
Over a third (35%) of global consumers say digital wallets are their most trusted payment method, outpacing local payment methods (17%), credit cards (22%), and debit cards (15%), according to Checkout.com’s Trust in the Digital Economy 2025 report.
By comparison: True or false? Satisfied credit card holders use buy now, pay later (BNPL) services as often as general BNPL users.
True. Some 22% of satisfied credit card holders use BNPL at least once a month, compared with 23% of BNPL users, according to data from YouGov.
Over a quarter (28%) of credit card users use BNPL one every 2-3 months (versus 26% of BNPL users), 18% of holders use it once every 4-6 months (the same as BNPL users), and 32% of card holders use it once every 6-12 months (versus 33% of BNPL users).
Upwardly mobile: Mobile banking is now used by what percentage of US households?
A) 38% B) 58% C) 78% D) 98%
Over three-quarters (78%) of US households use mobile banking, and mobile investing is rapidly catching up with desktop usage, according to data from RFI Global.
Move it or lose it: How much do businesses stand to lose annually due to disruptions and inefficiencies in money movement?
A) $33.2 million B) $59.1 million C) $73.0 million D) $98.5 million
Businesses face annual losses averaging $98.5 million due to disruptions and inefficiencies in money movement, according to data from PYMNTS Intelligence.
Keeping track: What percentage of US adults believe their income is keeping up with inflation?
A) 10% B) 15% C) 20% D) 25%
Only a quarter of US adults believe their income is keeping up with inflation, according to a July poll from CBS News conducted by YouGov.
Scaling back: What percentage of finance leaders have cut costs this year and expect to make more cuts in the second half of 2025?
A) 14% B) 24% C) 34% D) 44%
Nearly a quarter of finance leaders have already made cuts and expect to make more by the end of the year, according to data from Gartner.
Deep pockets: Nearly half of investment managers expect their organization’s budget for AI applications will increase by how much over the next 12 months?
A) 25% or more B) 50% or more C) 75% or more D) 100% or more
Some 49% of investment managers expect their organization’s budget for AI to increase by 75% or more over the next 12 months, according to a recent survey from Ortec Finance, as reported by Finextra.
Prime numbers: Buy now, pay later (BNPL) orders accounted for 8.1% of online orders over the course of Amazon’s four-day Prime Day event. How much revenue did this account for?
A) $1.3 billion B) $1.6 billion C) $1.9 billion D) $2.0 billion
BNPL orders drove $2.0 billion in online spend from July 8 to 11, representing 33.3% growth YoY, according to Adobe Analytics.
Word of advice: True or false? Younger investors are more likely to seek investment information from friends or family than the general investor population.
True. Some 39% of Gen Z/millennial investors get investment information from friends or family, versus 28% of the general investor population, according to YouGov.
Doing the research: Over half of consumers who invest use generative AI (genAI) for financial research at least once …
A) A day B) A week C) A month D) A year
Some 53% of consumers who invest use genAI for financial research at least once a month, according to a recent survey from Betterment. However, only 30% would rely on AI for financial advice.
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