The purpose of this quarterly report is to track consumer usage of digital payment apps such as Venmo and Cash App and to identify the top expenses consumers are paying with digital payment apps. The results of the analysis are presented by age, U.S. region, and gender. The data in this report were collected at the end of September 2021.

The supporting data and figures in this report can be found in the accompanying file


The data and graphics in this report are from Zpryme’s monthly and quarterly consumer benchmarking surveys. Data is based upon a nationally representative survey sample of 1,000 U.S. adults (margin of error: +/- 3.5%).


  • The top three preferred methods of payments were: cash (37.1%), debit card (31.5%), and credit card (19.6%). The midwest and west preferred debit cards the most, while the south and northeast preferred cash the most.
  • While 60.1% of the sample said they don’t use mobile apps to pay for expenses, the top uses for those that do were: food, drink, grocery (16.1%), utilities (7.6%), and rent (7.0%).
  • A comparison across March, June, and September 2021 revealed cash emerging in September as most favored payment method, with debit cards most favored in March and June 2021. The overall use of mobile apps to pay for expenses dropped from 46.6% in June to 39.9% in September, with the northeast being the biggest user (49.6%) in September.



Data (XLSX)



Graphs, Tables

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