FINANCE APPS Report 2026

The rules of mobile finance have changed, and the features banks assume drive retention are no longer enough. Our 2026 Finance App Report unpacks the data, the shifting user behaviours, and the uncomfortable usability truths brands can’t afford to ignore.

What you’ll discover

We surveyed 1,000 finance app users across the UK to uncover what drives daily engagement, and where today’s mobile financial experiences are falling short.

While mobile apps have transitioned from a digital convenience to a daily necessity, only 44% of users feel their current apps actually meet their needs. By identifying these critical experience gaps, we reveal the performance, integration, and UX strategies that matter most.

Inside, you’ll find key user frustrations, a breakdown of the next-gen features consumers actually want, critical trust-building benchmarks, and practical guidance backed by evidence, not assumptions.

If you lead product, CX, or digital strategy at a bank, fintech, or financial services provider, this report is your blueprint for building mobile experiences that deliver trust, loyalty, and long-term growth.

Research you can rely on

Drawing on more than 1,000 consumers, this report provides a comprehensive view of finance app users across the UK.

Consumer Survey

We gathered data from 1,000 respondents aged 18 – 65 from across the UK.

Most valued features and functionality

This year’s findings reveal a clear hierarchy of priorities and a growing expectation for apps that blend simplicity, security and real-time functionality.

What builds consumer trust?

Explore key factors that contribute to users’ trust in finance apps as we highlight the areas where brands can strengthen their app’s credibility to
improve user loyalty.

The ultimate consumer wishlist

Take a deeper dive into what the ultimate finance app looks like for your customers.