The November 2022 Aite-Novarica Group report compares financial behaviors in the U.S., U.K., and Canada, showing differences in goals, interactions, and payment habits. While digital adoption is high, branch and ATM use remain significant, especially among older generations. Payment preferences vary, with younger consumers favoring digital wallets and contactless methods, and older groups leaning toward traditional cards. Primary financial relationships are long-lasting, driven by trust, service, and convenience, with younger customers valuing digital tools and rate sensitivity, while older ones prioritize branch access and bill-pay services.

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