According to @LexSokolin, Plaid's 2025 Fintech Consumer Report shows 80% of consumers see benefits in pay-by-bank, 58% use buy now, pay later, and 34% own crypto, with Gen Z leading adoption, source: @LexSokolin citing Plaid 2025 Fintech Consumer Report. These adoption rates quantify retail participation across pay-by-bank, BNPL, and crypto that traders track for user growth and transaction activity metrics, source: @LexSokolin citing Plaid 2025 Fintech Consumer Report. For crypto market watchers, the 34% ownership figure defines the current retail base size for digital assets and fiat onramps, source: @LexSokolin citing Plaid 2025 Fintech Consumer Report.