Money Trends

The Future Of Money

Cryptocurrency trends, generational financial profiles, and new data on payments uncovered in new report

The latest Logica Study includes highlights on how people work, save, spend and invest, including insights on Gen Z, Millennials, Gen X and Boomers.

SAN FRANCISCO, Dec. 14, 2022 /PRNewswire/ — The newest Future of Money Study from Logica Research continues an examination of past, current and future financial trends—providing data that allows brands to make decisions to drive growth, develop products and services, and reach customers. This newest wave of the study includes highlights on working, payments and money management, as well as a deep dive into generational financial trends and a special report on Cryptocurrency.

Some highlights from the findings include:

  • Forty-four percent (44%) of Americans report that they are spending less in the current economy.
  • Seventy-five percent (75%) of Americans feel it is important that employers offer programs to help them manage their finances.
  • Gen Z is saving more than other generations in the current economy (51%).
  • Barriers to owning Cryptocurrency include the perception that it is too risky (44%), don’t know how to invest in it (19%), and lack of information from trusted sources (13%).

The study, ongoing since 2017, is a comprehensive look at the current consumer money mindset in the United States, and covers specifics about how people are making, spending, investing and engaging with financial brands. In addition to the generational financial personas and the special report on Cryptocurrency, the full study includes new data and trend analysis of how companies can support employee financial well-being, the latest on payments like cash usage and digital options, and where consumers are looking for financial advice and guidance.

“Today’s quickly evolving financial landscape means that businesses need to understand the latest trends to reach their customers, and shape strategy for their services, products and experiences,” said Lilah Raynor, CEO & Founder, Logica Research. “This highlight report gives a quick hit into some top trends, with the full Insights Kit providing in-depth insights to help companies succeed in all aspects of the financial world.”

  • Logica Future of Money Study highlights can be found here.
  • More information about the Logica Future of Money Insights Kit can be found here.
  • Sign up now for delivery of a quick hit webinar of study highlights in January. Sign up here.




About the Logica Future of Money Study and the Insights Kit
The Logica Research Future of Money Study is a twice-yearly research report that offers a detailed 360-degree snapshot of the current consumer money mindset. The online study has been running since 2017 and is conducted among 1,000 U.S. adults and an augment of 200 older Gen Zers (16-25 years old). This wave was conducted in October 2022.
The insights in the ongoing Logica® Future of Money Study are geared toward helping financial brands and institutions develop strategies, products and communications to improve people’s financial lives. The new Logica® Future of Money report covers specifics about how people are making, spending, managing their money, and engaging with financial brands. Access to the study is provided through the Future of Money Insights Kit from Logica Research.
Logica Research
Logica Research excels in creating customized marketing research solutions for complex business questions. Logica provides financial services companies, fintech companies, and growing organizations the insights they need for product development, service enhancements, and communications that will improve people’s financial lives, deepen brand engagement, and drive business growth. Research that Logica® has conducted for clients has been published in the largest media outlets in the world including the New York Times, The Financial Times, The Wall Street Journal, CNN, Newsweek, Time, and USA Today.