Jordan McKee is research director of the 451 Research Fintech research and consulting practice within S&P Global Market Intelligence. He leads a team of analysts based in North America, Europe and Asia that provide guidance on trends at the intersection of finance and technology. As an analyst, Jordan’s research focuses on digital payments and enterprise payments strategies. Jordan has been an industry analyst for more than a decade, having launched the payments coverage at 451 Research (acquired by S&P Global Market Intelligence in 2019) in 2013. Prior to this he has held research and advisory roles at Yankee Group, OnProcess Technology and FM Global. Jordan is listed on the Electronic Transactions Association's Forty Under 40 list and has been quoted in The Wall Street Journal, The New York Times, Forbes, TIME, Businessweek and the Financial Times of London. He has also appeared on radio and television interviews with the Associated Press, NPR and CBS. McKee is a regular speaker at client and industry events around the world, delivering keynotes and moderating panels at SXSW, Money20/20, Interop and ETA TRANSACT. Additionally, Jordan is a Forbes fintech contributor and sits on the board of advisors for the Mobile Payments Conference. He holds a bachelor's degree with a concentration in marketing from Bryant University.
Banks are increasingly relying on partners and third parties to extend and enhance banking services. While fintechs and banks have been portrayed as rivals, many banks now lean on specialized fintech tools to modernize their tech stacks, launch new digital experiences and reduce operational burdens.
This survey tracks the state of US banks, lending, credit quality, deposits and the overall economy. Data points from the S&P Global Market Intelligence US Bank Outlook Survey include average deposit rates for a variety of financial products, credit quality and the overall economy.
The online survey of 105 US commercial banks and thrifts was conducted Sept. 2 to Oct. 7, 2025. The margin of error for top-line statistics is +/- 9 points at the 95% confidence level.
Bankers expect deposit competition to rise over the next 6 months (Spotlight)
The majority of US bankers anticipate competition for deposits to intensify over the next six months, according to S&P Global Market Intelligence's third-quarter 2025 US Bank Outlook Survey. Many US banks reduced deposit costs and improved their net interest margins in the third quarter as the Federal Reserve cut interest rates for the second time this year.
Bankers expect tempered loan growth amid mixed economic outlook (Spotlight)
US bankers expect tepid loan growth over the next year because of labor market wobbles, the impact of tariff policies taking hold and doubts on the underlying strength of the economy as inflation moves further away from the Federal Reserve's 2% target.
Crosstabs (Excel tables | Download link in sidebar to the right) – Crosstabs of complete worldwide and regional survey results datasets, including key metrics and segmentation.
Charts and Figures (PowerPoint charts | Navigate charts in sidebar to the left | Download link in sidebar to the right) – PowerPoint slide deck of complete top-line survey results in charts and figures.
Data Insights Deck (PowerPoint charts | Coming soon) – PowerPoint slide deck of advanced charts supporting deeper analysis and insight.
The past fintech cycle was about speed, convenience and access; the next will be about reinvention at the system level. Stablecoins and agentic AI sit at the heart of this transformation — not as features, but as new foundations. Together, they represent a re-platforming of financial services itself, replacing legacy rails and processes with programmable, intelligent infrastructure.
One of the biggest recurring banking and payments conferences, Money 20/20, has wrapped up, and the enthusiasm for all things stablecoin has continued. Jordan McKee, Sampath Sharma and McKayla Wooldridge return to discuss how this is evolving with host Eric Hanselman.
Our annual Voice of the Connected User Landscape: Connected Customer, Fintech and Holiday Experiences survey aims to understand consumer sentiment regarding financial technology, banking experiences and holiday shopping intent as we approach the end of the year. In this report, we showcase the key takeaways from our fourth-quarter 2025 survey wave.
451 Research’s Voice of the Connected User Landscape: Connected Customer, Consumer Population Representative Survey conducts a population representative survey of US consumers about technology adoption, usage and buying intentions to understand how various tech trends are materializing in the mass market.
451 Research’s VoCUL product line combines two survey methodologies that together deliver a holistic view of the connected user. The combination of 451 Research’s population representative surveys and early indicator surveys provides a comprehensive package of quantitative and qualitative analysis.
451 Research’s quarterly US consumer population representative survey asks consumers about connectivity-related devices, services, digital media and applications, including current ownership and use, attitudes and purchase plans going forward. All respondents are asked a set of questions on core demographics and device ownership. Each respondent is also randomly assigned to one of four sections that dives deeper into current ownership, usage trends and future buying plans for specific topic areas.
Interest in stablecoins and agentic commerce tempered by caution – Highlights from VoCUL: Connected Customer (Spotlight)
Our annual Voice of the Connected User Landscape: Connected Customer, Fintech & Holiday Experience survey aims to understand consumer sentiment regarding financial technology, banking experiences and holiday shopping intent as we approach the end of the year. In this report, we showcase the key takeaways from our fourth-quarter 2025 survey wave.
Crosstabs (Excel tables | Download link in sidebar to the right) – Crosstabs of complete worldwide and regional survey results datasets, including key metrics and segmentation.
Charts and Figures (PowerPoint charts | Navigate charts in sidebar to the left | Download link in sidebar to the right) – PowerPoint slide deck of complete top-line survey results in charts and figures.
Data Insights Deck (PowerPoint charts | Coming soon) – PowerPoint slide deck of advanced charts supporting deeper analysis and insight.
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