Technology

Financial technology is reshaping who has access to banking, credit, and investment — but the digital financial revolution carries both promise and risk for communities of color. JBI examines algorithmic bias, data privacy, digital assets, and fintech's dual role as a path to inclusion and a vector for new forms of exploitation.

40%

of Black Gen Z bank primarily with fintech platforms — vs. 22% of White Gen Z
JBI 2050 Survey, 2025

36%

of Black Gen Z trust AI chatbots for financial advice — vs. 21% of White Gen Z
JBI 2050 Survey, 2025

32%

of Black Gen Z consider crypto less risky than stocks — nearly 3× the 11% of White Gen Z
JBI 2050 Survey, 2025

51%

of Black Gen Z used a payday loan app — technology enables high-cost credit at scale
JBI 2050 Survey, 2025

JBI Research & the 2050 Survey

Key Figures

July 22, 2026

Interactive 2050 Survey Dashboard

This tool provides an interactive way to explore the data of JBI's 2050 Survey. Click a topic on the left to jump to that section, or a survey question on the right to view its related data. Once you are within a section, click on the 'Home' icon to return to the main menu.

Read more about Interactive 2050 Survey Dashboard

April 21, 2026

Financial Stability and High-cost Loan Products

Over 50% of Black Gen Z used a payday loan app or buy-now-pay-later product in the past year - vs. 11% and 28% of White Gen Z. This exposure did not start in adulthood. Black and Latino respondents are far more likely to have grown up in households where high-cost products were used by their parents.

Read more about Financial Stability and High-cost Loan Products

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