Alkami's Generational Trends in Digital Banking Consumer Study Reveals Insights for Establishing Primacy
Alkami Technology (Nasdaq: ALKT) released a comprehensive study on generational trends in digital banking, revealing critical insights about consumer behavior and preferences. The research, conducted with The Center for Generational Kinetics, highlights that 84% of users prioritize digital banking quality when choosing providers, and 50% would switch for better digital experiences.
Key findings show that 41% of consumers would change providers for a 5-minute digital account opening experience, while 37% expect inheritances in the next 10-20 years. The study also revealed a widening relevancy gap, with only 38% of regional bank customers reporting more relevant product recommendations, compared to 53% for neobanks. Additionally, 46% of consumers want better anticipation of their financial needs and are comfortable with AI processing their data for improved banking experiences.
Alkami Technology (Nasdaq: ALKT) ha pubblicato uno studio approfondito sulle tendenze generazionali nel settore del banking digitale, rivelando importanti informazioni sul comportamento e le preferenze dei consumatori. La ricerca, condotta in collaborazione con The Center for Generational Kinetics, evidenzia che l'84% degli utenti dà priorità alla qualità del banking digitale nella scelta del fornitore e che il 50% cambierebbe per avere un'esperienza digitale migliore.
I risultati principali mostrano che
Alkami Technology (Nasdaq: ALKT) publicó un estudio exhaustivo sobre las tendencias generacionales en la banca digital, revelando información clave sobre el comportamiento y las preferencias de los consumidores. La investigación, realizada junto con The Center for Generational Kinetics, destaca que el 84% de los usuarios priorizan la calidad de la banca digital al elegir proveedores, y que el 50% cambiaría por mejores experiencias digitales.
Los hallazgos principales muestran que el 41% de los consumidores cambiaría de proveedor por una apertura de cuenta digital en 5 minutos, mientras que el 37% espera herencias en los próximos 10-20 años. El estudio también reveló una brecha creciente en relevancia, con solo el 38% de los clientes de bancos regionales recibiendo recomendaciones de productos más relevantes, en comparación con el 53% de los clientes de neobancos. Además, el 46% de los consumidores desea una mejor anticipación de sus necesidades financieras y se siente cómodo con el procesamiento de sus datos mediante IA para mejorar la experiencia bancaria.
Alkami Technology (나스닥: ALKT)는 디지털 뱅킹 세대별 트렌드에 관한 종합 연구를 발표하며 소비자 행동과 선호도에 대한 중요한 통찰을 제공했습니다. The Center for Generational Kinetics와 함께 진행된 이 연구는 사용자의 84%가 디지털 뱅킹 품질을 우선시하며, 50%는 더 나은 디지털 경험을 위해 은행을 변경할 의향이 있다고 밝혔습니다.
주요 결과로는 소비자의 41%가 5분 내 디지털 계좌 개설 경험을 위해 은행을 바꿀 것이며, 37%는 향후 10~20년 내 상속을 기대한다고 나타났습니다. 또한 연구는 지역 은행 고객 중 38%만이 더 관련성 높은 상품 추천을 받는 반면, 네오뱅크 고객은 53%에 달하는 등 관련성 격차가 커지고 있음을 보여주었습니다. 더불어 46%의 소비자는 금융 니즈를 더 잘 예측해주길 원하며, 인공지능이 데이터를 처리하는 것에 대해 긍정적인 태도를 보였습니다.
Alkami Technology (Nasdaq : ALKT) a publié une étude complète sur les tendances générationnelles dans la banque digitale, révélant des informations clés sur le comportement et les préférences des consommateurs. Cette recherche, réalisée avec le Center for Generational Kinetics, souligne que 84 % des utilisateurs privilégient la qualité de la banque digitale lors du choix de leur fournisseur, et que 50 % seraient prêts à changer pour une meilleure expérience digitale.
Les résultats principaux montrent que 41 % des consommateurs changeraient de fournisseur pour une ouverture de compte digitale en 5 minutes, tandis que 37 % attendent des héritages dans les 10 à 20 prochaines années. L'étude révèle également un écart grandissant en termes de pertinence, avec seulement 38 % des clients des banques régionales recevant des recommandations de produits plus adaptées, contre 53 % pour les néobanques. De plus, 46 % des consommateurs souhaitent une meilleure anticipation de leurs besoins financiers et sont à l'aise avec le traitement de leurs données par l'IA pour améliorer leur expérience bancaire.
Alkami Technology (Nasdaq: ALKT) veröffentlichte eine umfassende Studie zu generationalen Trends im digitalen Banking, die wichtige Einblicke in das Verhalten und die Präferenzen der Verbraucher liefert. Die gemeinsam mit dem Center for Generational Kinetics durchgeführte Forschung zeigt, dass 84 % der Nutzer die Qualität des digitalen Bankings priorisieren und 50 % für bessere digitale Erlebnisse den Anbieter wechseln würden.
Wesentliche Ergebnisse zeigen, dass 41 % der Verbraucher den Anbieter für eine 5-minütige digitale Kontoeröffnung wechseln würden, während 37 % in den nächsten 10-20 Jahren Erbschaften erwarten. Die Studie enthüllt auch eine wachsende Relevanzlücke: Nur 38 % der Kunden regionaler Banken berichten von relevanteren Produktempfehlungen im Vergleich zu 53 % bei Neobanken. Zusätzlich wünschen sich 46 % der Verbraucher eine bessere Antizipation ihrer finanziellen Bedürfnisse und stehen der Verarbeitung ihrer Daten durch KI zur Verbesserung des Bankerlebnisses offen gegenüber.
- 84% of digital banking users prioritize digital experience quality when choosing providers
- Strong market opportunity with 37% of digital banking Americans expecting inheritances in next 10-20 years
- Company received J.D. Power certification for Outstanding Mobile Banking Platform Experience in 2024 and 2025
- Only 38% of regional and community financial institution customers report improved product recommendation relevance
- 50% of digital banking customers willing to switch providers for better digital experience
- 46% of customers unsatisfied with their provider's ability to anticipate financial needs
The perceived product relevance gap between consumers and regional and community financial institutions continues to widen
"This research confirms what we've long observed in the market: the winners in banking will be those who act now to close the relevance gap between what consumers expect and what they're experiencing," said Allison Cerra, chief marketing officer at Alkami. "Digital banking is no longer a service channel, it's the primary brand experience where across generations, consumers are demanding a more anticipatory, intuitive, and proactive interaction. Institutions that prioritize seamless onboarding, engagement, and AI-informed recommendations for growth, will earn not only primacy, but enduring trust across these segments," she continued.
Highlights from the research findings include:
- Digital is the gateway for primacy
84% of digital banking users say the quality of the digital banking experience is a top factor in choosing a provider.50% of digital banking Americans are willing to switch financial providers for a better digital experience;31% already have.- The primary or most important provider is where a debit card or mobile/online banking is used.
- A 5-minute digital account opening experience is essential to acquisition
41% of all digital banking consumers would be more likely to change financial providers if another offered a 5-minute mobile or online account opening experience for deposit accounts. For younger generations, the figure is significantly higher (49% ).37% of digital banking Americans expect to receive an inheritance in the next 10–20 years, highlighting a massive opportunity for financial institutions to guide intergenerational wealth transfers.
- Relevancy gap is widening; consumers want an anticipatory banking experience
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38% of regional and community financial institution account holders say their provider's product recommendations became more relevant over the past year, significantly lower than those of neobanks (53% ) and megabanks (45% ). 46% of digital banking Americans wish their primary financial provider did a better job at anticipating their financial needs and goals.46% of digital banking consumers are comfortable with their financial data being processed by AI if it improves their banking experience.
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"This is one of the most actionable studies we've done in banking," said Jason Dorsey, president of The Center for Generational Kinetics and a leading generational researcher. "Each generation is redefining what financial partnership looks like, from Generation Z expecting immediacy and personalization, to baby boomers planning for retirement. This study gives financial institutions a roadmap to engage each generation on their terms, through the channels they trust most."
The national study included a stringent methodology with 1,500 participants weighted to the 2020 US Census for age, gender, region, and ethnicity, with all participants active in digital banking. The full report offers strategic recommendations for how financial institutions can onboard, engage, and grow relationships with consumers in each generation by delivering anticipatory experiences across channels.
To download the full report, click here. To register for the webinar on July 17 at 1pm EDT featuring Allison Cerra and Jason Dorsey, visit here.
To learn more about Alkami's Digital Banking Platform, visit here.
Alkami has been certified by J.D. Power in 2024 and 2025 for providing "An Outstanding Mobile Banking Platform Experience."1
About Alkami
Alkami Technology, Inc. is a leading cloud-based digital banking solutions provider for financial institutions in
Media Relations Contacts
Vested
alkami@fullyvested.com
Marla Pieton
marla.pieton@alkami.com
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SOURCE Alkami Technology, Inc.
FAQ
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