{"id":3734553,"date":"2026-05-18T04:00:58","date_gmt":"2026-05-18T08:00:58","guid":{"rendered":"https:\/\/www.pymnts.com\/?p=3734553"},"modified":"2026-05-17T22:24:17","modified_gmt":"2026-05-18T02:24:17","slug":"more-than-4-in-10-digital-bank-users-prefer-wallets-over-cards","status":"publish","type":"post","link":"https:\/\/www.pymnts.com\/news\/payment-methods\/2026\/more-than-4-in-10-digital-bank-users-prefer-wallets-over-cards\/","title":{"rendered":"More than 4 in 10 Digital Bank Users Prefer Wallets Over Cards"},"content":{"rendered":"<p style=\"font-weight: 400;\">Digital bank customers are not just experimenting with new payment methods. They are increasingly reshaping what mainstream payments behavior looks like, particularly as mobile-first consumers lean into digital wallets and become more comfortable moving money directly from bank accounts.<\/p><div\r\n\tid=\"article-paywall-overlay\"\r\n\tclass=\"d-none\"\r\n>\r\n\t<div id=\"article-paywall-content\" class=\"my-4\">\r\n\t\t\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f2699550-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"2699550\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/wp-json\/wp\/v2\/posts\/3734553#wpcf7-f2699550-o1\" method=\"post\" class=\"wpcf7-form init pymnts-article-paywall-form\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"2699550\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.5\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f2699550-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<div class=\"free-articles-prompt-intro\">\n\t<h2 class=\"mb-2\">Get the Full Story\n\t<\/h2>\n\t<p class=\"mb-4\">Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content \u2014 no additional logins required.\n\t<\/p>\n\t<div id='registrationContainer' class='container px-0'>\n\t\t<div class=\"row\">\n\t\t\t<div class=\"col-12 col-md-6\">\n\t\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"firstName\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required form-control border-secondary\" id=\"firstName\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"First Name*\" value=\"\" type=\"text\" name=\"firstName\" \/><\/span>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12 col-md-6\">\n\t\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"lastName\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required form-control border-secondary\" id=\"lastName\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Last Name*\" value=\"\" type=\"text\" name=\"lastName\" \/><\/span>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12 col-md-6\">\n\t\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"YourTitle\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required form-control border-secondary\" id=\"inputTitle\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Title*\" value=\"\" type=\"text\" name=\"YourTitle\" \/><\/span>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12 col-md-6\">\n\t\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"YourCompany\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required form-control border-secondary\" id=\"inputCompany\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Company*\" value=\"\" type=\"text\" name=\"YourCompany\" \/><\/span>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12 col-md-6\">\n\t\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"YourEmail\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email form-control border-secondary\" id=\"inputEmail\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Email*\" value=\"\" type=\"email\" name=\"YourEmail\" \/><\/span>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12 col-md-6\">\n\t\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"YourCountry\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required form-control border-secondary\" id=\"inputCountry\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Country*\" value=\"\" type=\"text\" name=\"YourCountry\" \/><\/span>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12 col-md-6\">\n\t\t\t<input class=\"wpcf7-form-control wpcf7-hidden\" id=\"inputEmailHidden\" value=\"\" type=\"hidden\" name=\"yourName\" \/>\n\t\t\t<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"email\" \/>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12\">\n\t\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"newsLetterChoice\"><span class=\"wpcf7-form-control wpcf7-checkbox me-1\" id=\"checkNewsletter\"><span class=\"wpcf7-list-item first last\"><input type=\"checkbox\" name=\"newsLetterChoice[]\" value=\"yes\" checked=\"checked\" \/><span class=\"wpcf7-list-item-label\">yes<\/span><\/span><\/span><\/span><span class=\"small\">Subscribe to our daily newsletter, PYMNTS Today.<\/span>\n\t\t\t\t<\/p>\n\t\t\t\t<p class=\"small lh-base\" style=\"font-size:.9rem;\">By completing this form, you agree to receive marketing communications from PYMNTS and to the sharing of your information with our sponsor, if applicable, in accordance with our <a class=\"fw-bold\" href=\"https:\/\/pymnts-com-develop.go-vip.net\/privacy-policy\/\">Privacy Policy<\/a> and <a class=\"fw-bold\" href=\"https:\/\/pymnts-com-develop.go-vip.net\/terms-conditions\/\">Terms and Conditions<\/a>.\n\t\t\t\t<\/p>\n\t\t\t\t<p><input id='hiddenPath' type='hidden' name='path' value='' \/><input type='hidden' name='userDeviceId' id='userDeviceId' \/><input type='hidden' name='pageTitle' id='pageTitle' \/>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12\">\n\t\t\t\t<div id='formButtonRow' class='container mt-1 px-0'>\n\t\t\t\t\t<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner btn btn-dark text-uppercase py-2 px-5 small\" id=\"theSubmitButton\" type=\"submit\" value=\"Submit\" \/>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div><input type=\"hidden\" name=\"post_id\" value=\"3734553\" \/><input type=\"hidden\" name=\"source\" value=\"https:\/\/www.pymnts.com\/news\/payment-methods\/2026\/more-than-4-in-10-digital-bank-users-prefer-wallets-over-cards\/\" \/><p style=\"display: none !important;\" class=\"akismet-fields-container\" data-prefix=\"_wpcf7_ak_\"><label>&#916;<textarea name=\"_wpcf7_ak_hp_textarea\" cols=\"45\" rows=\"8\" maxlength=\"100\"><\/textarea><\/label><input type=\"hidden\" id=\"ak_js_1\" name=\"_wpcf7_ak_js\" value=\"181\"\/><script>document.getElementById( \"ak_js_1\" ).setAttribute( \"value\", ( new Date() ).getTime() );<\/script><\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\r\n\t<\/div>\r\n<\/div>\r\n<div id=\"article-paywall-hidden-content\">\r\n\t\n<p style=\"font-weight: 400;\">The PYMNTS Intelligence report, \u201c<a href=\"https:\/\/www.pymnts.com\/study\/pay-by-bank-digital-bank-users-ready-to-switch\/\">Pay by Bank Deep Dive: Digital Bank Users Are Ready to Switch<\/a>,\u201d found that consumers using digital-first financial institutions already exhibit many of the behaviors associated with Pay by Bank adoption, including reliance on tokenized payments, mobile commerce and login-based authentication flows.<\/p>\n<p style=\"font-weight: 400;\">The report, conducted with <a href=\"https:\/\/us.trustly.com\/\" target=\"_blank\" rel=\"noopener\">Trustly<\/a> and based on a survey of 2,071 U.S. consumers, showed that digital bank users are not necessarily abandoning traditional payment methods entirely. But they are significantly more likely than other consumers to embrace alternatives to physical cards when incentives and protections are in place.<\/p>\n<p style=\"font-weight: 400;\">Among the findings:<\/p>\n<ul style=\"font-weight: 400;\">\n<li>44.6% of digital bank customers prefer using digital wallets, roughly double the rate seen across the broader banking population.<\/li>\n<li>52.2% of digital bank users earn less than $50,000 annually, compared to 30.8% of the broader sample.<\/li>\n<li>72% of consumers said Pay by Bank could replace debit cards if rewards and buyer protections were offered.<\/li>\n<\/ul>\n<p style=\"font-weight: 400;\">That behavior extends across spending categories. More than half of digital bank users said they prefer wallets for rideshare purchases, while 60.3% use them for gambling-related transactions. Wallets also lead for subscriptions and retail purchases among this group.<\/p>\n<p style=\"font-weight: 400;\">The findings suggest consumers who bank digitally are already acclimated to payment experiences that prioritize speed, embedded authentication and app-based financial management rather than physical credentials.<\/p><div id=\"pymnt-3676378558\" class=\"pymnt-content pymnt-entity-placement\" style=\"margin-top: 50px;\"><p style=\"text-align:center\">Advertisement: Scroll to Continue<\/p><script async type=\"text\/javascript\" id=\"dianomi_context_script\" src=\"https:\/\/www.dianomi.com\/js\/contextfeed.js\"><\/script> \r\n<div class=\"dianomi_context\" data-dianomi-context-id=\"4329\"><\/div><\/div>\n<h2 style=\"font-weight: 400;\"><strong>Younger Consumers Push Digital Banking Into the Mainstream<\/strong><\/h2>\n<p style=\"font-weight: 400;\">The demographic makeup of digital banking customers also stands apart from the broader banking population.<\/p>\n<p style=\"font-weight: 400;\">According to the report, 56% of consumers using digital banks as their primary financial institution are millennials or Gen Z, compared to 45% across all banking customers. Millennials alone account for 38% of digital bank users.<\/p>\n<p style=\"font-weight: 400;\">Income trends also diverge sharply. More than half of digital bank customers earn less than $50,000 annually, while just 6.7% report household incomes above $150,000.<\/p>\n<p style=\"font-weight: 400;\">Across all banking types, immediate cash benefits ranked as the top reason consumers would consider using Pay by Bank. Buyer protections ranked second. Among digital bank users specifically, 43.1% cited immediate cash benefits as the biggest driver.<\/p>\n<p style=\"font-weight: 400;\">At the same time, roughly one-quarter of consumers said nothing would increase their interest in Pay by Bank, underscoring the limits of incentives alone.<\/p>\n<h2 style=\"font-weight: 400;\"><strong>Pay by Bank\u2019s Opportunity Centers on Debit Replacement<\/strong><\/h2>\n<p style=\"font-weight: 400;\">The report frames Pay by Bank less as a direct challenger to credit cards and more as a potential substitute for debit transactions.<\/p>\n<p style=\"font-weight: 400;\">That positioning reflects how consumers already think about direct-from-account payments. According to the findings, only 12.2% of consumers currently view Pay by Bank as a substitute for debit cards today. However, another 60%-plus said they would reconsider if rewards, buyer protection or both were attached to the experience.<\/p>\n<p style=\"font-weight: 400;\">Consumers overall said they would shift 25.3% of account-to-account transactions to Pay by Bank if discounts and protections were offered. Among digital bank users, that figure climbs to 35.4%. Bill payments also showed elevated switching potential, reaching 32% among digital bank customers.<\/p>\n<p style=\"font-weight: 400;\">For digital banking customers already accustomed to app-driven financial management, the behavioral leap may be smaller than many payment providers previously assumed.<\/p>\n\r\n<\/div>\r\n<script>\r\n\twindow.pymntsAllowedArticleCount = 1;\r\n\twindow.pymntsPostID = 3734553;\r\n<\/script>","protected":false},"excerpt":{"rendered":"<p>Digital bank customers are not just experimenting with new payment methods. They are increasingly reshaping what mainstream payments behavior looks like, particularly as mobile-first consumers lean into digital wallets and become more comfortable moving money directly from bank accounts. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3740017,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","pymnts_footnotes":""},"categories":[4024],"tags":[65045,5559,7118,6801,13328,3758,9206,17117,67601,133069,70065,18900],"class_list":["post-3734553","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-payment-methods","tag-data-brief","tag-digital-banking","tag-digital-payments","tag-digital-wallets","tag-featured-news","tag-mobile-wallets","tag-news","tag-pay-by-bank","tag-pymnts-intelligence","tag-pymnts-news","tag-the-data-point","tag-trustly"],"acf":{"suggested_titles":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.2 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>More than 4 in 10 Digital Bank Users Prefer Wallets Over Cards<\/title>\n<meta name=\"description\" content=\"Digital bank customers are emerging as one of the strongest potential adoption groups for Pay by Bank, driven by heavy digital wallet usage.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pymnts.com\/news\/payment-methods\/2026\/more-than-4-in-10-digital-bank-users-prefer-wallets-over-cards\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"More than 4 in 10 Digital Bank Users Prefer Wallets Over Cards | PYMNTS.com\" \/>\n<meta property=\"og:description\" content=\"Digital bank customers are not just experimenting with new payment methods. They are increasingly reshaping what mainstream payments behavior looks like,\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.pymnts.com\/news\/payment-methods\/2026\/more-than-4-in-10-digital-bank-users-prefer-wallets-over-cards\/\" \/>\n<meta property=\"og:site_name\" content=\"PYMNTS.com\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/pymnts\/\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/pymnts\" \/>\n<meta property=\"article:published_time\" content=\"2026-05-18T08:00:58+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.pymnts.com\/wp-content\/uploads\/2026\/05\/SB7smartph-x.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"PYMNTS\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@pymnts\" \/>\n<meta name=\"twitter:site\" content=\"@pymnts\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.pymnts.com\\\/news\\\/payment-methods\\\/2026\\\/more-than-4-in-10-digital-bank-users-prefer-wallets-over-cards\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.pymnts.com\\\/news\\\/payment-methods\\\/2026\\\/more-than-4-in-10-digital-bank-users-prefer-wallets-over-cards\\\/\"},\"author\":{\"name\":\"PYMNTS\",\"@id\":\"https:\\\/\\\/www.pymnts.com\\\/#\\\/schema\\\/person\\\/9f0152ca483ca33a5d8121739eadfe4b\"},\"headline\":\"More than 4 in 10 Digital Bank Users Prefer Wallets Over Cards\",\"datePublished\":\"2026-05-18T08:00:58+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.pymnts.com\\\/news\\\/payment-methods\\\/2026\\\/more-than-4-in-10-digital-bank-users-prefer-wallets-over-cards\\\/\"},\"wordCount\":537,\"publisher\":{\"@id\":\"https:\\\/\\\/www.pymnts.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.pymnts.com\\\/news\\\/payment-methods\\\/2026\\\/more-than-4-in-10-digital-bank-users-prefer-wallets-over-cards\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.pymnts.com\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/SB7smartph-x.png\",\"keywords\":[\"data brief\",\"Digital Banking\",\"Digital Payments\",\"digital wallets\",\"Featured News\",\"Mobile Wallets\",\"News\",\"Pay By Bank\",\"PYMNTS Intelligence\",\"PYMNTS News\",\"The Data Point\",\"Trustly\"],\"articleSection\":[\"Payment Methods\"],\"inLanguage\":\"en-US\",\"copyrightYear\":\"2026\",\"copyrightHolder\":{\"@id\":\"https:\\\/\\\/www.pymnts.com\\\/#organization\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.pymnts.com\\\/news\\\/payment-methods\\\/2026\\\/more-than-4-in-10-digital-bank-users-prefer-wallets-over-cards\\\/\",\"url\":\"https:\\\/\\\/www.pymnts.com\\\/news\\\/payment-methods\\\/2026\\\/more-than-4-in-10-digital-bank-users-prefer-wallets-over-cards\\\/\",\"name\":\"More than 4 in 10 Digital Bank Users Prefer Wallets Over Cards\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.pymnts.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.pymnts.com\\\/news\\\/payment-methods\\\/2026\\\/more-than-4-in-10-digital-bank-users-prefer-wallets-over-cards\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.pymnts.com\\\/news\\\/payment-methods\\\/2026\\\/more-than-4-in-10-digital-bank-users-prefer-wallets-over-cards\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.pymnts.com\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/SB7smartph-x.png\",\"datePublished\":\"2026-05-18T08:00:58+00:00\",\"description\":\"Digital bank customers are emerging as one of the strongest potential adoption groups for Pay by Bank, driven by heavy digital wallet usage.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.pymnts.com\\\/news\\\/payment-methods\\\/2026\\\/more-than-4-in-10-digital-bank-users-prefer-wallets-over-cards\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.pymnts.com\\\/news\\\/payment-methods\\\/2026\\\/more-than-4-in-10-digital-bank-users-prefer-wallets-over-cards\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.pymnts.com\\\/news\\\/payment-methods\\\/2026\\\/more-than-4-in-10-digital-bank-users-prefer-wallets-over-cards\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.pymnts.com\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/SB7smartph-x.png\",\"contentUrl\":\"https:\\\/\\\/www.pymnts.com\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/SB7smartph-x.png\",\"width\":1200,\"height\":720,\"caption\":\"wallets\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.pymnts.com\\\/news\\\/payment-methods\\\/2026\\\/more-than-4-in-10-digital-bank-users-prefer-wallets-over-cards\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.pymnts.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"More than 4 in 10 Digital Bank Users Prefer Wallets Over Cards\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.pymnts.com\\\/#website\",\"url\":\"https:\\\/\\\/www.pymnts.com\\\/\",\"name\":\"PYMNTS.com\",\"description\":\"The latest global news and analysis in payments, retail, fintech, financial services and the digital economy.\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.pymnts.com\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.pymnts.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.pymnts.com\\\/#organization\",\"name\":\"PYMNTS\",\"url\":\"https:\\\/\\\/www.pymnts.com\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.pymnts.com\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.pymnts.com\\\/wp-content\\\/uploads\\\/2023\\\/05\\\/PYMNTS_2023_logo_black-1.png\",\"contentUrl\":\"https:\\\/\\\/www.pymnts.com\\\/wp-content\\\/uploads\\\/2023\\\/05\\\/PYMNTS_2023_logo_black-1.png\",\"width\":3329,\"height\":687,\"caption\":\"PYMNTS\"},\"image\":{\"@id\":\"https:\\\/\\\/www.pymnts.com\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/pymnts\\\/\",\"https:\\\/\\\/x.com\\\/pymnts\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.pymnts.com\\\/#\\\/schema\\\/person\\\/9f0152ca483ca33a5d8121739eadfe4b\",\"name\":\"PYMNTS\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/679fcf5c2ed5358e99e8e23b22e3b5d761e37bdb76fa7b0e13d8ecd9ff01bf88?s=96&d=blank&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/679fcf5c2ed5358e99e8e23b22e3b5d761e37bdb76fa7b0e13d8ecd9ff01bf88?s=96&d=blank&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/679fcf5c2ed5358e99e8e23b22e3b5d761e37bdb76fa7b0e13d8ecd9ff01bf88?s=96&d=blank&r=g\",\"caption\":\"PYMNTS\"},\"description\":\"The latest global news and analysis in payments, retail, fintech, financial services and the digital economy.\",\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/pymnts\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/pymnts-com\",\"https:\\\/\\\/x.com\\\/pymnts\"],\"url\":\"https:\\\/\\\/www.pymnts.com\\\/author\\\/pymnts\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"More than 4 in 10 Digital Bank Users Prefer Wallets Over Cards","description":"Digital bank customers are emerging as one of the strongest potential adoption groups for Pay by Bank, driven by heavy digital wallet usage.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.pymnts.com\/news\/payment-methods\/2026\/more-than-4-in-10-digital-bank-users-prefer-wallets-over-cards\/","og_locale":"en_US","og_type":"article","og_title":"More than 4 in 10 Digital Bank Users Prefer Wallets Over Cards | PYMNTS.com","og_description":"Digital bank customers are not just experimenting with new payment methods. They are increasingly reshaping what mainstream payments behavior looks like,","og_url":"https:\/\/www.pymnts.com\/news\/payment-methods\/2026\/more-than-4-in-10-digital-bank-users-prefer-wallets-over-cards\/","og_site_name":"PYMNTS.com","article_publisher":"https:\/\/www.facebook.com\/pymnts\/","article_author":"https:\/\/www.facebook.com\/pymnts","article_published_time":"2026-05-18T08:00:58+00:00","og_image":[{"width":1200,"height":720,"url":"https:\/\/www.pymnts.com\/wp-content\/uploads\/2026\/05\/SB7smartph-x.png","type":"image\/png"}],"author":"PYMNTS","twitter_card":"summary_large_image","twitter_creator":"@pymnts","twitter_site":"@pymnts","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.pymnts.com\/news\/payment-methods\/2026\/more-than-4-in-10-digital-bank-users-prefer-wallets-over-cards\/#article","isPartOf":{"@id":"https:\/\/www.pymnts.com\/news\/payment-methods\/2026\/more-than-4-in-10-digital-bank-users-prefer-wallets-over-cards\/"},"author":{"name":"PYMNTS","@id":"https:\/\/www.pymnts.com\/#\/schema\/person\/9f0152ca483ca33a5d8121739eadfe4b"},"headline":"More than 4 in 10 Digital Bank Users Prefer Wallets Over Cards","datePublished":"2026-05-18T08:00:58+00:00","mainEntityOfPage":{"@id":"https:\/\/www.pymnts.com\/news\/payment-methods\/2026\/more-than-4-in-10-digital-bank-users-prefer-wallets-over-cards\/"},"wordCount":537,"publisher":{"@id":"https:\/\/www.pymnts.com\/#organization"},"image":{"@id":"https:\/\/www.pymnts.com\/news\/payment-methods\/2026\/more-than-4-in-10-digital-bank-users-prefer-wallets-over-cards\/#primaryimage"},"thumbnailUrl":"https:\/\/www.pymnts.com\/wp-content\/uploads\/2026\/05\/SB7smartph-x.png","keywords":["data brief","Digital Banking","Digital Payments","digital wallets","Featured News","Mobile Wallets","News","Pay By Bank","PYMNTS Intelligence","PYMNTS News","The Data Point","Trustly"],"articleSection":["Payment Methods"],"inLanguage":"en-US","copyrightYear":"2026","copyrightHolder":{"@id":"https:\/\/www.pymnts.com\/#organization"}},{"@type":"WebPage","@id":"https:\/\/www.pymnts.com\/news\/payment-methods\/2026\/more-than-4-in-10-digital-bank-users-prefer-wallets-over-cards\/","url":"https:\/\/www.pymnts.com\/news\/payment-methods\/2026\/more-than-4-in-10-digital-bank-users-prefer-wallets-over-cards\/","name":"More than 4 in 10 Digital Bank Users Prefer Wallets Over Cards","isPartOf":{"@id":"https:\/\/www.pymnts.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.pymnts.com\/news\/payment-methods\/2026\/more-than-4-in-10-digital-bank-users-prefer-wallets-over-cards\/#primaryimage"},"image":{"@id":"https:\/\/www.pymnts.com\/news\/payment-methods\/2026\/more-than-4-in-10-digital-bank-users-prefer-wallets-over-cards\/#primaryimage"},"thumbnailUrl":"https:\/\/www.pymnts.com\/wp-content\/uploads\/2026\/05\/SB7smartph-x.png","datePublished":"2026-05-18T08:00:58+00:00","description":"Digital bank customers are emerging as one of the strongest potential adoption groups for Pay by Bank, driven by heavy digital wallet usage.","breadcrumb":{"@id":"https:\/\/www.pymnts.com\/news\/payment-methods\/2026\/more-than-4-in-10-digital-bank-users-prefer-wallets-over-cards\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.pymnts.com\/news\/payment-methods\/2026\/more-than-4-in-10-digital-bank-users-prefer-wallets-over-cards\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.pymnts.com\/news\/payment-methods\/2026\/more-than-4-in-10-digital-bank-users-prefer-wallets-over-cards\/#primaryimage","url":"https:\/\/www.pymnts.com\/wp-content\/uploads\/2026\/05\/SB7smartph-x.png","contentUrl":"https:\/\/www.pymnts.com\/wp-content\/uploads\/2026\/05\/SB7smartph-x.png","width":1200,"height":720,"caption":"wallets"},{"@type":"BreadcrumbList","@id":"https:\/\/www.pymnts.com\/news\/payment-methods\/2026\/more-than-4-in-10-digital-bank-users-prefer-wallets-over-cards\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.pymnts.com\/"},{"@type":"ListItem","position":2,"name":"More than 4 in 10 Digital Bank Users Prefer Wallets Over Cards"}]},{"@type":"WebSite","@id":"https:\/\/www.pymnts.com\/#website","url":"https:\/\/www.pymnts.com\/","name":"PYMNTS.com","description":"The latest global news and analysis in payments, retail, fintech, financial services and the digital economy.","publisher":{"@id":"https:\/\/www.pymnts.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.pymnts.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.pymnts.com\/#organization","name":"PYMNTS","url":"https:\/\/www.pymnts.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.pymnts.com\/#\/schema\/logo\/image\/","url":"https:\/\/www.pymnts.com\/wp-content\/uploads\/2023\/05\/PYMNTS_2023_logo_black-1.png","contentUrl":"https:\/\/www.pymnts.com\/wp-content\/uploads\/2023\/05\/PYMNTS_2023_logo_black-1.png","width":3329,"height":687,"caption":"PYMNTS"},"image":{"@id":"https:\/\/www.pymnts.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/pymnts\/","https:\/\/x.com\/pymnts"]},{"@type":"Person","@id":"https:\/\/www.pymnts.com\/#\/schema\/person\/9f0152ca483ca33a5d8121739eadfe4b","name":"PYMNTS","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/679fcf5c2ed5358e99e8e23b22e3b5d761e37bdb76fa7b0e13d8ecd9ff01bf88?s=96&d=blank&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/679fcf5c2ed5358e99e8e23b22e3b5d761e37bdb76fa7b0e13d8ecd9ff01bf88?s=96&d=blank&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/679fcf5c2ed5358e99e8e23b22e3b5d761e37bdb76fa7b0e13d8ecd9ff01bf88?s=96&d=blank&r=g","caption":"PYMNTS"},"description":"The latest global news and analysis in payments, retail, fintech, financial services and the digital economy.","sameAs":["https:\/\/www.facebook.com\/pymnts","https:\/\/www.linkedin.com\/company\/pymnts-com","https:\/\/x.com\/pymnts"],"url":"https:\/\/www.pymnts.com\/author\/pymnts\/"}]}},"parsely":{"version":"1.1.0","canonical_url":"https:\/\/pymnts.com\/news\/payment-methods\/2026\/more-than-4-in-10-digital-bank-users-prefer-wallets-over-cards\/","smart_links":{"inbound":0,"outbound":0},"traffic_boost_suggestions_count":0,"meta":[],"rendered":"","tracker_url":"https:\/\/cdn.parsely.com\/keys\/pymnts.com\/p.js"},"jetpack_featured_media_url":"https:\/\/www.pymnts.com\/wp-content\/uploads\/2026\/05\/SB7smartph-x.png","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/www.pymnts.com\/wp-json\/wp\/v2\/posts\/3734553","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.pymnts.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.pymnts.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.pymnts.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.pymnts.com\/wp-json\/wp\/v2\/comments?post=3734553"}],"version-history":[{"count":3,"href":"https:\/\/www.pymnts.com\/wp-json\/wp\/v2\/posts\/3734553\/revisions"}],"predecessor-version":[{"id":3740019,"href":"https:\/\/www.pymnts.com\/wp-json\/wp\/v2\/posts\/3734553\/revisions\/3740019"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.pymnts.com\/wp-json\/wp\/v2\/media\/3740017"}],"wp:attachment":[{"href":"https:\/\/www.pymnts.com\/wp-json\/wp\/v2\/media?parent=3734553"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.pymnts.com\/wp-json\/wp\/v2\/categories?post=3734553"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.pymnts.com\/wp-json\/wp\/v2\/tags?post=3734553"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}