Summary of A Digital Future

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Fintech is dramatically changing the expectations people have about handling their money, and those expectations differ among generations and regions, according to this accessible research report from the Economist Intelligence Unit. However, everyone wants to place the same level of confidence in digital transactions as in traditional banking services. getAbstract recommends this helpful introduction to the fast-paced fintech revolution to financial services professionals and users. 

In this summary, you will learn

  • What research says about people’s expectations of banking and fintech,
  • How fintech is evolving to meet customer wants, and
  • What regulatory oversight is developing.

About the Author

The Economist Intelligence Unit is an independent research and analysis organization.



Interviews with banking customers, along with other data collected in the fall of 2017, indicate that people across the generations are taking to fintech innovations in banking and payment transactions. Universally, individuals share the same basic expectations: They want to “trust” their financial institution, they expect “transparency” in bank offerings and they also want to save “time.” Customers also demand security when they use mobile channels. The research reveals that European and British millennials (those born from 1977 through 1995) prefer to use bank branches instead of digital-only platforms for basic services. The centennials (those born from 1996 onward) want low costs and immediate access to all services, anytime, anywhere. 

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