MX’s 2022 survey shows consumers face rising financial stress as 50% feel anxious about money and 47% cite it as their top stressor. Savings are weak: 40% lack emergency funds, and only 38% feel confident about retiring comfortably. Debt is growing, with 39% holding credit card debt, 23% mortgages or car loans, and 20% student loans. Trust in providers is mixed, as just 44% believe banks act in their best interest, though 67% trust them for fraud protection. Gen Z stands out with lower credit card use, stronger reliance on debit and mobile payments, and high expectations for seamless digital experiences.

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