Since emerging in the early 2010s, peer-to-peer payments have become part of modern life. What do household usage trends reveal about financial health?

As digital wallets, online banks, and fintech apps become everyday tools, the meaning of financial inclusion is shifting. Are our metrics keeping pace?

In 2024, consumers spent $12.1 billion on overdraft and NSF fees – approximately 48% more than previously thought.

A new FinHealth Spend Product Spotlight reveals disparities in ownership of these wealth-building tools.

A new FinHealth Spend Spotlight finds many renters don’t hold renters insurance – and those who do still face climate-related risks.

After pivotal reforms in 2022, this FinHealth Spend Product Spotlight sheds light on the state of overdraft fees today, how consumers use overdraft, and potential implications for financial institutions and policymakers.

Many families lack any life insurance. Who holds life insurance, who should own it, and what can we do to better protect families?

Overdraft and non-sufficient funds (NSF) fees remain a reality in America’s modern banking system, but the landscape is rapidly evolving. This FinHealth Spend Product Spotlight sheds light on the state of overdraft today, the consumers who use it, and potential implications for financial institutions and policymakers.

In this brief, we leverage findings from a nationally representative survey to better understand the buy now, pay later (BNPL) market, the users who are driving it, and the implications for their financial health.