Morning Consult’s quarterly report The State of Consumer Banking and Payments tracks evolving trends in the consumer banking and payments world, and evaluates what changing attitudes mean for the future of each industry.

Based on survey interviews of more than 50,000 adults across the Americas, Europe and the Asia-Pacific region, this report provides insights into consumers’ relationships with their primary banking and payment providers, as well as the other financial services they’re using to meet their needs.

The report also takes a close look at millennials’ financial well-being and banking habits, cryptocurrency’s ascension to mainstream status and consumers’ adoption of embedded finance.