Household Finances

Household Finances Market Outlook

The global household finances market is projected to reach approximately USD 3 trillion by 2035, with a steady compound annual growth rate (CAGR) of around 5.8% during the forecast period from 2025 to 2035. This growth is primarily driven by the increasing awareness of financial literacy among households, a growing desire for financial independence, and the rising usage of digital financial services. Moreover, factors like the proliferation of smartphones and mobile banking applications have made it easier for individuals to manage their finances efficiently, leading to higher engagement in savings and investments. The escalating complexities of financial products and services have prompted families to seek expert advice, further contributing to the market's expansion as more tailored solutions become available. Additionally, the ongoing global economic recovery following the pandemic is also expected to bolster consumer confidence and spending in household finances.

Growth Factor of the Market

The household finances market is experiencing robust growth due to various influential factors that are reshaping consumer behavior and financial management practices. One of the primary growth drivers is the increasing digitalization of financial services, which has made managing household finances more accessible and convenient for consumers across various demographics. As financial technology (fintech) firms continue to innovate, offering solutions such as budgeting apps and investment platforms, users are becoming more engaged in their financial decisions. Moreover, the growing emphasis on financial education, particularly among younger generations, is equipping individuals with the knowledge and skills necessary to navigate their financial landscapes confidently. The rise in disposable incomes in emerging markets is also propelling household spending on financial products and services, while the changing regulatory environment is fostering a competitive landscape that encourages service providers to enhance their offerings. Collectively, these factors are creating a robust ecosystem for the household finances market, driving growth and diversification.

Key Highlights of the Market

• The global household finances market is expected to reach USD 3 trillion by 2035.
• Digitalization is a key growth driver, with fintech solutions gaining popularity.
• Financial literacy initiatives are empowering consumers to make informed decisions.
• Disposable income growth in emerging markets is boosting financial service adoption.
• Regulatory changes are fostering innovation and competitiveness among service providers.

By Product Type

Savings Accounts:

Savings accounts play a crucial role in household finances, providing individuals with a safe place to store their funds while earning interest. The growing inclination towards saving among consumers, driven by economic uncertainties and financial education, has propelled the demand for high-yield savings accounts. Many financial institutions are now offering competitive interest rates along with features like no minimum balance requirements, appealing to a wider range of consumers. The digital transformation of banking services has also simplified the process of opening and managing savings accounts, allowing individuals to track their savings goals more effectively. As a result, savings accounts are becoming an essential tool for financial planning, enabling households to build emergency funds and save for future investments.

Credit Cards:

Credit cards are integral to modern household finances, offering flexibility in payment methods and the ability to manage cash flow more efficiently. The increasing reliance on credit cards for everyday purchases, combined with attractive rewards programs and cashback offers, has significantly contributed to their popularity. Moreover, the emergence of contactless payment options and mobile wallets has made using credit cards more convenient than ever. Financial institutions are also focusing on developing credit products tailored to specific demographics, such as students or young professionals, ensuring that a diverse array of consumers can benefit from credit facilities. However, it is vital for consumers to manage their credit responsibly, as misuse can lead to debt accumulation, highlighting the ongoing importance of financial literacy in this segment.

Personal Loans:

Personal loans have gained traction as a versatile financial product that enables individuals to meet various needs, from consolidating debt to financing major purchases. The increasing acceptance of personal loans, especially among younger consumers who may lack credit history, has contributed to the growth of this product segment. With the rise of online lenders offering fast approval processes and competitive interest rates, personal loans have become more accessible, providing consumers with a convenient alternative to traditional means of borrowing. Additionally, many lenders are now offering tailored loan products that cater to specific situations, such as medical emergencies or home renovations, further enhancing their appeal. Increasing consumer awareness regarding the benefits of personal loans for financial management is expected to drive this segment's growth in the coming years.

Insurance:

Insurance is a vital component of household finances, providing individuals with financial protection against unforeseen events. The growing awareness of the importance of various insurance products, such as health, life, and property insurance, has led to a rising number of households seeking to adequately cover their financial risks. Moreover, the digitalization of insurance services has improved accessibility, allowing consumers to compare policies and prices easily. As a result, more families are investing in comprehensive insurance plans to safeguard their financial future. Insurers are also innovating their offerings to cater to changing consumer needs, such as offering bundled policies or customizable packages, which is further driving market growth. This segment is expected to continue expanding as consumers increasingly prioritize their financial security.

Investments:

Investments have emerged as a crucial aspect of household finances, enabling individuals to grow their wealth over time. The increasing availability of investment platforms and robo-advisors has democratized access to investment opportunities, allowing a broader audience to participate in the financial markets. As more households recognize the importance of investing for retirement and wealth accumulation, there has been a notable shift towards long-term investment strategies. Furthermore, the growing interest in sustainable and socially responsible investing has influenced consumer preferences, leading to the development of investment products that align with ethical values. This evolving landscape has created a wealth of options for consumers, further driving engagement in personal finance management.

By Application

Budgeting:

Budgeting is a foundational aspect of household finances, enabling consumers to track their income and expenses effectively. The growing realization among households of the importance of budgeting for financial stability has led to an increasing adoption of budgeting tools and applications. These tools help consumers establish financial goals, categorize their spending, and identify areas where they can save. As financial literacy improves, more individuals are embracing budgeting as a vital strategy for managing their resources, which contributes to healthier financial habits. The rise of digital budgeting solutions that offer real-time analytics and personalized insights further enhances consumer engagement and encourages proactive financial management.

Financial Planning:

Financial planning is an essential process for households aiming to achieve their long-term financial goals. It encompasses a wide array of factors, including retirement planning, investment strategies, and tax optimization. With the increasing complexity of financial products and the desire for financial security, households are increasingly seeking professional advice to navigate their financial landscape. The rise of financial planning services, both traditional and digital, has made expert guidance more accessible than ever. As consumers recognize the value of comprehensive financial planning, there is a growing trend towards utilizing financial advisors and planners to create tailored strategies that align with their unique circumstances and aspirations.

Expense Tracking:

Expense tracking is a critical component of household finance management, allowing consumers to monitor their spending habits and identify trends over time. With the advancement of technology, an array of apps and software options are available to assist individuals in tracking their expenses seamlessly. This capability empowers households to make informed decisions about their spending, ultimately leading to better overall financial health. By understanding where their money is going, consumers can identify areas for cost-cutting, enhance their budgeting strategies, and allocate funds toward savings or investments. The increased focus on expense tracking reflects a growing trend towards proactive financial management among consumers.

Debt Management:

Debt management has become an increasingly important focus for households grappling with various forms of debt, including credit cards, loans, and mortgages. The rising levels of personal debt have prompted consumers to seek effective strategies for managing their obligations. As a result, many households are turning to debt management services and tools designed to help them streamline payments and develop repayment plans. The growth of online platforms offering debt counseling and consolidation solutions has made it easier for consumers to tackle their financial challenges. Additionally, the emphasis on financial education is equipping individuals with the knowledge needed to manage their debts responsibly, which is essential for maintaining their overall financial well-being.

Retirement Planning:

Retirement planning is a critical aspect of household finances, as individuals seek to secure their financial future and ensure a comfortable lifestyle in their later years. The increasing life expectancy and changing retirement landscapes have prompted households to prioritize retirement savings and investments. As more people recognize the need to plan adequately for retirement, there has been a surge in the use of retirement planning tools and services. Financial advisors are now offering specialized retirement planning resources that help individuals navigate various pension options, investment vehicles, and savings strategies. The growing emphasis on retirement planning is indicative of a more proactive approach to securing financial independence in later life.

By Distribution Channel

Banks:

Banks have long been a traditional distribution channel for various household finance products, including savings accounts, loans, and insurance. They continue to play a significant role in providing consumers with the financial products they need to manage their households effectively. With the evolution of banking services, many banks are now offering enhanced digital banking solutions, enabling customers to manage their finances from the convenience of their devices. This shift towards digital banking has not only improved accessibility but has also encouraged consumers to engage more actively with their financial products. Consequently, banks remain a vital distribution channel in the household finances market, continuously adapting to meet changing consumer preferences.

Online Platforms:

Online platforms have revolutionized the distribution of household finance products, offering consumers a wide array of options at their fingertips. The convenience of online platforms allows individuals to compare financial products, read reviews, and apply for services without the need for in-person meetings. This trend has gained significant traction, particularly among younger consumers who prefer digital interactions over traditional banking methods. Additionally, the rise of fintech companies has expanded the choices available to consumers, providing innovative solutions that cater to specific financial needs. As consumers increasingly lean towards online channels for their financial management, the significance of online platforms in the household finances market continues to grow.

Financial Advisors:

Financial advisors have become an essential resource for households seeking expert guidance in managing their finances. As financial products become more complex, many consumers are turning to professionals for personalized advice tailored to their individual circumstances. The role of financial advisors has evolved, with many now offering virtual consultations and tools to facilitate ongoing client engagement. This accessibility allows households to receive real-time advice on investment strategies, retirement planning, and debt management. The increasing recognition of the value of professional financial advice is driving demand for financial advisory services, solidifying their position as a crucial distribution channel in the household finances market.

Credit Unions:

Credit unions are becoming an increasingly popular distribution channel for household finance products, offering members competitive rates and personalized services. As member-owned financial cooperatives, credit unions focus on providing value to their members rather than maximizing profits. This member-centric approach fosters a sense of community, encouraging individuals to choose credit unions over traditional banks for their financial needs. Additionally, credit unions often provide a range of products and services, from loans to savings accounts, making them a one-stop-shop for household finance management. Their commitment to financial education and outreach further enhances their appeal as an important distribution channel in the market.

Insurance Companies:

Insurance companies play a vital role in the household finances market by providing essential financial protection products. From health and life insurance to property and casualty coverage, these companies help individuals manage risks associated with their assets and loved ones. As awareness of the importance of insurance coverage grows, more households are actively seeking insurance products to safeguard their financial futures. The digitalization of insurance services has improved accessibility, with many insurers offering online quotes and streamlined application processes. This evolution not only enhances customer experience but also drives demand for insurance products, positioning insurance companies as a key distribution channel in household finance management.

By Ingredient Type

Income:

Income is a fundamental component of household finances, as it dictates the financial decisions and budgets of families. With the increasing diversity of income sources, including salaries, investments, and side hustles, households are becoming more adept at managing multiple streams of income. The emphasis on financial literacy is empowering consumers to optimize their income through smart investments and savings strategies, thereby fostering overall financial stability. As a result, understanding and managing income effectively is essential for households striving to achieve their financial goals and enhance their quality of life.

Expenses:

Expenses are a critical aspect of household finances, significantly influencing budgeting and financial planning processes. As households strive to maintain control over their spending habits, there is a growing trend toward utilizing expense tracking tools to gain insights into their expenditures. By categorizing and analyzing their expenses, consumers can identify areas for potential savings and make informed decisions about their financial priorities. The ongoing effort to reduce unnecessary expenses is essential for maintaining healthy finances and ensuring that households can allocate resources toward savings and investments.

Assets:

Assets form a vital part of household finances, representing the wealth and resources that families accumulate over time. The management of assets, which may include real estate, savings accounts, investments, and personal property, is crucial for achieving long-term financial security. As consumers become more educated about asset management, they are increasingly focused on building and diversifying their asset portfolios to better prepare for future financial challenges. The awareness of the importance of asset allocation and investment strategies is driving households to engage more actively in their financial planning, ensuring they are well-positioned for future growth.

Liabilities:

Liabilities are an essential consideration in household finances, representing the debts and obligations that families must manage. Understanding and controlling liabilities, such as mortgages, credit card debts, and personal loans, is vital for maintaining financial health. Many households are now prioritizing debt management strategies to minimize their liabilities and reduce financial stress. The increasing availability of debt counseling and consolidation services is helping families navigate their obligations more effectively. By actively managing their liabilities, households can work towards achieving a balanced financial profile that supports long-term financial goals.

Savings:

Savings are a cornerstone of household finances, providing individuals with a safety net for emergencies and future expenses. The growing awareness of the importance of saving, coupled with the desire for financial security, has led to a substantial increase in savings rates among consumers. Many households are adopting budgeting strategies that prioritize savings contributions, ensuring that they build a solid financial foundation. The rise of high-yield savings accounts and investment options has further incentivized individuals to save more effectively. Ultimately, fostering a culture of saving is crucial for ensuring that households can withstand financial shocks and achieve their long-term aspirations.

By Region

The North American household finances market represents a significant portion of the global landscape, fueled by a high level of financial literacy and access to diverse financial products. It is expected to reach USD 1.2 trillion by 2035, with a CAGR of approximately 5.2%. The region's robust digital infrastructure has accelerated the adoption of online financial services, contributing to increased engagement in budgeting, savings, and investment tools among households. Furthermore, rising consumer confidence and a growing emphasis on financial planning and management are expected to drive further growth in this segment over the coming years.

In Europe, the household finances market is projected to grow steadily, reaching approximately USD 800 billion by 2035. The region's focus on sustainability and responsible finance is prompting households to explore investment opportunities that align with their ethical values. This shift towards socially responsible investing is bolstering engagement in financial markets and increasing demand for tailored financial products. Additionally, the growing regulatory environment is fostering innovation in financial services, ensuring that consumers have access to a diverse range of offerings that cater to their unique financial needs. Together, these trends indicate a positive outlook for the household finances market in Europe as it adapts to changing consumer preferences.

Opportunities

The household finances market presents numerous opportunities for service providers looking to capitalize on the growing demand for financial products and services. As digitalization continues to reshape the financial landscape, companies that invest in innovative technology solutions are well-positioned to gain a competitive edge. The increasing reliance on mobile banking and online financial tools creates an opportunity for fintech companies to develop user-friendly applications that enhance consumer engagement and promote responsible financial management. Additionally, the rising awareness of financial literacy among consumers presents an opportunity for educational institutions and financial advisors to offer tailored resources and workshops that empower individuals to navigate their financial situations effectively. By leveraging these opportunities, companies can contribute to the overall growth of the household finances market while helping consumers achieve their financial goals.

Another significant opportunity lies in the growing focus on sustainability and ethical finance. Households are increasingly concerned about the impact of their financial decisions on the environment and society. Financial providers that prioritize sustainable investment options, green savings products, and socially responsible insurance policies are likely to attract environmentally-conscious consumers. Furthermore, the rise of ESG (Environmental, Social, and Governance) investing is creating a demand for products that align with consumers' values and help them make a positive impact on the world. By developing and promoting sustainable financial solutions, companies can tap into this growing market segment while addressing the needs of socially-conscious consumers.

Threats

Despite the positive trends within the household finances market, several threats could pose challenges to service providers in this space. One of the primary threats is the increasing competition among financial institutions and fintech companies, which could lead to market saturation and reduced profit margins. As more players enter the market, it becomes imperative for companies to differentiate their offerings and continuously innovate in order to maintain a competitive advantage. Additionally, the rapid pace of technological change presents challenges for established service providers, who must adapt to new trends and consumer preferences to avoid losing market share.

Another potential threat to the household finances market is the economic uncertainty stemming from global events, such as pandemics or geopolitical tensions. Economic downturns can lead to increased financial strain on households, prompting consumers to cut back on discretionary spending and financial services. This shift may negatively impact demand for non-essential financial products and services, resulting in decreased revenue for service providers. Furthermore, regulatory changes can also pose a threat, as new compliance requirements may necessitate adjustments to business models and operating procedures. Companies operating in this space must be agile and prepared to navigate these challenges to ensure long-term success.

Competitor Outlook

• Bank of America
• JPMorgan Chase & Co.
• Wells Fargo
• Citibank
• American Express
• Discover Financial Services
• PayPal Holdings, Inc.
• Credit Karma
• Mint (Intuit Inc.)
• Fidelity Investments
• Robinhood Markets, Inc.
• SoFi Technologies, Inc.
• Charles Schwab Corporation
• State Farm Insurance
• Prudential Financial, Inc.

The competitive landscape of the household finances market is characterized by a mix of traditional financial institutions and innovative fintech companies that are continuously evolving to meet the changing needs of consumers. Established banks and credit unions remain significant players in the market, leveraging their extensive resources and customer bases to offer a range of financial products, including savings accounts, loans, and insurance. However, the rise of fintech firms has disrupted the market, introducing new technologies and services that appeal to tech-savvy consumers. These companies often emphasize user experience, providing intuitive platforms that make financial management more accessible and engaging. As competition intensifies, both traditional and digital players are focusing on customer-centric strategies, which include personalized services, innovative products, and educational resources aimed at improving financial literacy among consumers.

Among the key players in the household finances market, Bank of America is known for its comprehensive suite of financial products and services, catering to a diverse range of customers. The bank has invested heavily in digital banking solutions, ensuring that clients have access to advanced online tools and resources for managing their finances effectively. JPMorgan Chase & Co. is another major player, offering a wide array of retail banking services, investment options, and financial advisory services that cater to households' various needs. Their commitment to innovation and customer service has helped them maintain a strong position in the competitive landscape.

On the fintech side, companies like PayPal Holdings, Inc. and SoFi Technologies, Inc. have gained considerable traction by focusing on providing innovative solutions that simplify financial transactions and investment management. PayPal’s platform enables users to manage payments, transfers, and online purchases seamlessly, while SoFi offers diverse financial services, including personal loans, investments, and insurance products tailored to the modern consumer. As these companies continue to grow and adapt to changing market dynamics, they are likely to play an increasingly significant role in shaping the future of household finances, creating opportunities and challenges for traditional financial institutions.

• 1 Appendix

  • 1.1 List of Tables
  • 1.2 List of Figures

• 2 Introduction

  • 2.1 Market Definition
  • 2.2 Scope of the Report
  • 2.3 Study Assumptions
  • 2.4 Base Currency & Forecast Periods

• 3 Market Dynamics

  • 3.1 Market Growth Factors
  • 3.2 Economic & Global Events
  • 3.3 Innovation Trends
  • 3.4 Supply Chain Analysis

• 4 Consumer Behavior

  • 4.1 Market Trends
  • 4.2 Pricing Analysis
  • 4.3 Buyer Insights

• 5 Key Player Profiles

  • 5.1 Citibank
    • 5.1.1 Business Overview
    • 5.1.2 Products & Services
    • 5.1.3 Financials
    • 5.1.4 Recent Developments
    • 5.1.5 SWOT Analysis
  • 5.2 Wells Fargo
    • 5.2.1 Business Overview
    • 5.2.2 Products & Services
    • 5.2.3 Financials
    • 5.2.4 Recent Developments
    • 5.2.5 SWOT Analysis
  • 5.3 Credit Karma
    • 5.3.1 Business Overview
    • 5.3.2 Products & Services
    • 5.3.3 Financials
    • 5.3.4 Recent Developments
    • 5.3.5 SWOT Analysis
  • 5.4 Bank of America
    • 5.4.1 Business Overview
    • 5.4.2 Products & Services
    • 5.4.3 Financials
    • 5.4.4 Recent Developments
    • 5.4.5 SWOT Analysis
  • 5.5 American Express
    • 5.5.1 Business Overview
    • 5.5.2 Products & Services
    • 5.5.3 Financials
    • 5.5.4 Recent Developments
    • 5.5.5 SWOT Analysis
  • 5.6 Mint (Intuit Inc.)
    • 5.6.1 Business Overview
    • 5.6.2 Products & Services
    • 5.6.3 Financials
    • 5.6.4 Recent Developments
    • 5.6.5 SWOT Analysis
  • 5.7 Fidelity Investments
    • 5.7.1 Business Overview
    • 5.7.2 Products & Services
    • 5.7.3 Financials
    • 5.7.4 Recent Developments
    • 5.7.5 SWOT Analysis
  • 5.8 JPMorgan Chase & Co.
    • 5.8.1 Business Overview
    • 5.8.2 Products & Services
    • 5.8.3 Financials
    • 5.8.4 Recent Developments
    • 5.8.5 SWOT Analysis
  • 5.9 State Farm Insurance
    • 5.9.1 Business Overview
    • 5.9.2 Products & Services
    • 5.9.3 Financials
    • 5.9.4 Recent Developments
    • 5.9.5 SWOT Analysis
  • 5.10 PayPal Holdings, Inc.
    • 5.10.1 Business Overview
    • 5.10.2 Products & Services
    • 5.10.3 Financials
    • 5.10.4 Recent Developments
    • 5.10.5 SWOT Analysis
  • 5.11 Robinhood Markets, Inc.
    • 5.11.1 Business Overview
    • 5.11.2 Products & Services
    • 5.11.3 Financials
    • 5.11.4 Recent Developments
    • 5.11.5 SWOT Analysis
  • 5.12 SoFi Technologies, Inc.
    • 5.12.1 Business Overview
    • 5.12.2 Products & Services
    • 5.12.3 Financials
    • 5.12.4 Recent Developments
    • 5.12.5 SWOT Analysis
  • 5.13 Charles Schwab Corporation
    • 5.13.1 Business Overview
    • 5.13.2 Products & Services
    • 5.13.3 Financials
    • 5.13.4 Recent Developments
    • 5.13.5 SWOT Analysis
  • 5.14 Prudential Financial, Inc.
    • 5.14.1 Business Overview
    • 5.14.2 Products & Services
    • 5.14.3 Financials
    • 5.14.4 Recent Developments
    • 5.14.5 SWOT Analysis
  • 5.15 Discover Financial Services
    • 5.15.1 Business Overview
    • 5.15.2 Products & Services
    • 5.15.3 Financials
    • 5.15.4 Recent Developments
    • 5.15.5 SWOT Analysis

• 6 Market Segmentation

  • 6.1 Household Finances Market, By Application
    • 6.1.1 Budgeting
    • 6.1.2 Financial Planning
    • 6.1.3 Expense Tracking
    • 6.1.4 Debt Management
    • 6.1.5 Retirement Planning
  • 6.2 Household Finances Market, By Product Type
    • 6.2.1 Savings Accounts
    • 6.2.2 Credit Cards
    • 6.2.3 Personal Loans
    • 6.2.4 Insurance
    • 6.2.5 Investments
  • 6.3 Household Finances Market, By Ingredient Type
    • 6.3.1 Income
    • 6.3.2 Expenses
    • 6.3.3 Assets
    • 6.3.4 Liabilities
    • 6.3.5 Savings
  • 6.4 Household Finances Market, By Distribution Channel
    • 6.4.1 Banks
    • 6.4.2 Online Platforms
    • 6.4.3 Financial Advisors
    • 6.4.4 Credit Unions
    • 6.4.5 Insurance Companies

• 7 Competitive Analysis

  • 7.1 Key Player Comparison
  • 7.2 Market Share Analysis
  • 7.3 Investment Trends
  • 7.4 SWOT Analysis

• 8 Research Methodology

  • 8.1 Analysis Design
  • 8.2 Research Phases
  • 8.3 Study Timeline

• 9 Future Market Outlook

  • 9.1 Growth Forecast
  • 9.2 Market Evolution

• 10 Geographical Overview

  • 10.1 Europe - Market Analysis
    • 10.1.1 By Country
      • 10.1.1.1 UK
      • 10.1.1.2 France
      • 10.1.1.3 Germany
      • 10.1.1.4 Spain
      • 10.1.1.5 Italy
  • 10.2 Asia Pacific - Market Analysis
    • 10.2.1 By Country
      • 10.2.1.1 India
      • 10.2.1.2 China
      • 10.2.1.3 Japan
      • 10.2.1.4 South Korea
  • 10.3 Latin America - Market Analysis
    • 10.3.1 By Country
      • 10.3.1.1 Brazil
      • 10.3.1.2 Argentina
      • 10.3.1.3 Mexico
  • 10.4 North America - Market Analysis
    • 10.4.1 By Country
      • 10.4.1.1 USA
      • 10.4.1.2 Canada
  • 10.5 Household Finances Market by Region
  • 10.6 Middle East & Africa - Market Analysis
    • 10.6.1 By Country
      • 10.6.1.1 Middle East
      • 10.6.1.2 Africa

• 11 Global Economic Factors

  • 11.1 Inflation Impact
  • 11.2 Trade Policies

• 12 Technology & Innovation

  • 12.1 Emerging Technologies
  • 12.2 AI & Digital Trends
  • 12.3 Patent Research

• 13 Investment & Market Growth

  • 13.1 Funding Trends
  • 13.2 Future Market Projections

• 14 Market Overview & Key Insights

  • 14.1 Executive Summary
  • 14.2 Key Trends
  • 14.3 Market Challenges
  • 14.4 Regulatory Landscape

Segments Analyzed in the Report

The global Household Finances market is categorized based on

By Product Type

• Savings Accounts
• Credit Cards
• Personal Loans
• Insurance
• Investments

By Application

• Budgeting
• Financial Planning
• Expense Tracking
• Debt Management
• Retirement Planning

By Distribution Channel

• Banks
• Online Platforms
• Financial Advisors
• Credit Unions
• Insurance Companies

By Ingredient Type

• Income
• Expenses
• Assets
• Liabilities
• Savings

By Region

• North America
• Europe
• Asia Pacific
• Latin America
• Middle East & Africa

Key Players

• Bank of America
• JPMorgan Chase & Co.
• Wells Fargo
• Citibank
• American Express
• Discover Financial Services
• PayPal Holdings, Inc.
• Credit Karma
• Mint (Intuit Inc.)
• Fidelity Investments
• Robinhood Markets, Inc.
• SoFi Technologies, Inc.
• Charles Schwab Corporation
• State Farm Insurance
• Prudential Financial, Inc.