U.S. mobile banking users by generation 2022

Between 2015 and 2022, the generation with the highest mobile banking adoption in the United States was millennials, followed by Gen X. In 2022, 62.3 million individuals born between 1981 and 1996 were active mobile banking users, and this number is expected to grow even further in the coming years. The sharpest increase in mobile banking adoption, however, is expected from Gen Z. Mobile banking adoption for individuals born between 1997 and 2012 is forecast to reach 33.7 million in 2023 and 47.8 million in 2026.

Number of active mobile banking users in the United States from 2015 to 2022 with forecast to 2026, by generation

Characteristic	Gen Z	Millennial	Gen X	Baby Boomer
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Release date

February 2023

More information

Region

United States

Survey time period

March 2022

Supplementary notes

The source adds the following information: The base of the statistic are users who access their bank, credit union, credit card or brokerage account through mobile browser, app or SMS using a mobile phone at least once per month. Figures exclude virtual wallet services.

Based on the source, Gen Z are individuals born between 1997 an 2012; millennials are individuals born between 1981 and 1996; Gen X are individuals born between 1965 and 1980; baby boomers are individuals born between 1946 and 1964.

* Figures between 2023 and 2026 are forecasts.

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