The Fintech Effect 2021: Fintech's Mass Adoption Moment' report reveals that fintech has reached mass adoption, with 52% more U.S. consumers using technology to manage their finances in 2021 compared to the previous year, reaching 88%. This growth is attributed to the strong benefits and positive outcomes provided by fintech, including saving time (93%), money (78%), and making smarter financial decisions (73%). The report also shows that fintech use is becoming more widespread across age, race, gender demographics, with usage approaching parity. Consumers expect interoperable financial services and are more comfortable talking about money, with 71% feeling more confident in their finances as they use more fintech. Trust in fintech increases with use, and the mass adoption of fintech signals a significant shift in consumer behavior, changing how people interact with their financial information and money, and fueling innovation across every segment of finance.