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NOVEMBER 18, 2025 |
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In the comfort zone: What percentage of mortgage customers are completely comfortable with their lenders using AI in the mortgage origination process? |
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A) 24% B) 34% C) 44% D) 54% |
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DEMOGRAPHICS |
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Gen Zers are becoming increasingly financially independent. A Pathward and Mastercard study of Gen Zers found that 70% of post-college respondents are mostly or completely financially independent, up from 37% in college and 44% in a college alternative. |
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The most popular financial products among post-college Gen Z respondents are checking accounts (88%), debit cards (84%), and mobile payment apps (78%).
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Gen Zers’ confidence in their knowledge is limited: Fewer than half of post-college respondents are “extremely knowledgeable about finances.”
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More than half of all respondents are “optimistic about achieving financial goals.”
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Respondents seek parental financial advice in large numbers: 68% post-college or in a college alternative, 74% in college, and 87% pre-college. |
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REMITTANCES |
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Circle reported $740 million in total revenues and reserve income for Q3 2025, up 66% growth YoY. |
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Net income soared 202% YoY to $214 million.
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USDC in circulation cracked $73.7 billion at quarter’s end, up 108% YoY. |
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However, investors sent Circle’s stock price down due to concerns about how falling interest rates would hurt operations. |
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FINANCIAL SERVICES |
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Robinhood has partnered with Gopuff to deliver cash that customers have withdrawn from their Robinhood bank accounts. For $6.99 (no fee for premium customers), Robinhood customers can order cash delivered in a sealed paper bag. |
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As the number of ATMs declines, a critical mass of consumers who want access to cash may struggle to find an easy place to withdraw it.The Gopuff concept combines the features of Gen Z–focused app-based delivery services, like Gopuff, Instacart, Doordash, and Shipt, with a core banking feature. |
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REPORT |
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Credit card loyalty is waning, making feature innovation the new battleground. Even among satisfied cardholders, 72% plan to apply for a new card within the next year, per Marqeta, as 36 million new accounts open digitally in 2025. The real differentiator will be which features issuers deliver—and how well those align with consumer demand. |
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This deck covers: |
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Our fifth annual study of what emerging credit card features US prospective cash-back credit card users value most.
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How the top US no-annual-fee cash-back credit cards stack up against in terms of these features.
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Which features can set card programs apart and help them gain top-of-wallet status. |
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(EMARKETER subscription required to read the full report) |
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CHART OF THE WEEK |
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Key stat: The majority (87%) of US adults are at least somewhat confident in their ability to pay off their next buy now, pay later (BNPL) loan without missing a payment, found September data from LendingTree and QuestionPro. | | | |
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