As open banking and account-to-account payments continue to reshape the payments landscape, more consumers are turning to Pay-By-Bank as a preferred method for completing transactions. This growing adoption reflects shifting priorities in how people manage their money—favoring speed, security, and control over traditional card-based options.
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Data for today’s episode is provided by Javelin Strategy & Research’s Report: Shifting the Balance: How Consumers Are Using Bank Accounts Today
Reported Pay-By-Bank Usage Among Consumers, 2024-2025
- 40% – I have never used pay-by-bank before
- 28% – Recurring bill payments
- 26% – One-time bill payments
- 26% – Online purchases
About Report
Each year, Javelin Strategy & Research analyzes how consumers interact with different payment options, offering a comprehensive view of evolving financial habits. The 2025 survey sheds light on both emerging trends and consistent patterns in consumer payment behavior, helping debit professionals reassess their market outlook and strategic priorities for the year ahead.
While innovation often dominates industry headlines, much of the survey’s data highlights how steady consumer preferences remain over time. The study explores three central areas: how individuals access and use their checking (DDA) accounts, whether interest in real-time payments and other account-linked rails is gaining traction, and how peer-to-peer (P2P) payment activity continues to evolve in share and funding methods.
In an environment shaped by new technologies such as generative AI, agentic commerce, and alternative payment rails, it’s tempting to assume the market is shifting rapidly. Yet, Javelin’s 2025 findings reveal a different story—one of continuity. Despite new tools and innovations, consumers continue to show remarkable consistency in how they choose and execute payments, whether transacting in person, online, or through P2P channels.
