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Penetration rate of mobile banking in the United States as of December 2020 and May 2021, by generation

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Source

Release date

July 2021

Region

United States

Survey time period

December 2020 and May 2021

Supplementary notes

The penetration rate is the percentage of mobile banking users over all consumers in those generation.

Gen Z: born in 1996 or later.
Millennials: born between 1981 and 1995.
Gen X: born between 1966 and 1980.
Baby boomers: born between 1946 and 1965.
Senior: born in 1945 or earlier.

Citation formats

Adoption of mobile banking in the U.S. 2020-2021, by generation

Published by ÌÇÐÄÆƽâ°æ Research Department, Nov 27, 2025
The adoption of mobile banking in the United States increased consistently between December 2020 and May 2021. Distinguishing by generation, younger individuals displayed larger penetration rates than older. As of May 2021, ** percent of targeted customers born after 1995 (Gen Z) used mobile banking. On the other hand, roughly one-quarter of senior individuals (born before 1946) used mobile banking.
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