The February 2022 Aite-Novarica Group report on Account Ownership and Digital Access analyzes consumer financial services in Germany, the U.K., and the U.S., focusing on account ownership rates and disparities in digital access. It examines variations by generation, gender, race or ethnicity, migrant status, and household income. The study highlights digital adoption trends, gender and generational gaps in online banking, and the role of mobile applications in account access. Findings underscore persistent inequalities, with implications for financial inclusion strategies aimed at expanding access and improving digital engagement across diverse demographic groups.

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