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FEBRUARY 3, 2026 |
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Agent of change: What percentage of retail bankers regularly work with AI agents? |
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A) 24% B) 34% C) 44% D) 54% |
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DIGITAL BANKING |
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SoFi reported its first $1 billion quarter. In Q4, the company added 1 million customers, totaling 13.7 million, amid $1.03 billion in net revenue. Personal loans stood out: Originations rose 46% in Q4 2025 YoY to reach $7.5 billion, more than 70% of its total loan originations. |
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SoFi has positioned itself as a one-stop shop for consumer financial services, with checking and savings accounts, self-directed trading and roboadvisory, credit cards, personal and home equity loans, and mortgages. It is also an infrastructure provider and sponsor bank. Consumer investment offerings include increasing access to alternative assets, including real estate, private credit, crypto, and venture capital. |
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DIGITAL PAYMENTS |
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Visa’s net revenues grew 15% YoY to $10.9 billion, per Q1 2026 (ended December 31, 2025) earnings release. Earnings per share of $3.17 beat analysts’ expectations of $3.14, per Zachs Investment Research. |
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Visa’s international card segment outperformed the US in growth during Q1 2026, driven by the holiday season. |
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US credit and debit growth declined in the quarter, sliding to 7% and 6% YoY, respectively, versus 8% for each last year.
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International credit card growth remained at 10% YoY growth, while debit spiked to 16% YoY. |
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DEMOGRAPHICS |
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Gen Alpha children, born between 2010 and 2025, have different money habits depending on whether their parents are millennials or Gen Xers, according to a recent USAA study. |
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Kids with Gen X parents had savings balances about 30% higher than those with millennial parents. While parent age tends to correlate with a child’s age, it may also shape financial habits like app use: Kids with millennial parents had twice the peer-to-peer (P2P) payment volume of those with Gen X parents. |
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REPORT |
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Trust in consumer banking is becoming shaped less by institutional legacy and more by consumers' expectations for usability, transparency, and ethical behavior. While traditional banks still anchor core accounts, loyalty is increasingly conditional, especially among younger and lower-income consumers. As tech-driven brands reset expectations, trust will play a critical role in determining long-term relevance in a fragmented financial landscape. |
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This deck covers: |
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How trust, credibility, and security influence consumers’ bank choice
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Which banks, credit unions, and tech brands customers trust, by demographic
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Opportunities to establish and strengthen trust |
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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: 55% of affluent Gen Z investors used robo-advisors in 2025, up from 39% in 2023, according to data from Escalent. | | | |
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