Financial services is a sector balancing rapid digital change with very human expectations. For years, the industry has focused heavily on digital transformation. Faster journeys, smarter tools, AI-powered support and seamless experiences have become the benchmark for progress. In many ways, consumers have embraced that evolution.

Our latest research at The Harris Poll UK shows digital financial services are now firmly embedded into everyday life. Around 6 in 10 consumers now use mobile wallets regularly, with 30% saying they have become their default payment method. Quick payments, easy day-to-day banking and convenience are now among the strongest-performing aspects of the category, particularly amongst younger consumers who increasingly see digital-first money management as the norm rather than the exception.

In our recent article, Spending with care: the current reality of big-ticket purchases in the UK, we explored how consumers are continuing to engage with major purchases, but with a more considered mindset. Spending has not stopped, but expectations around what feels manageable and worthwhile have shifted.

Automotive brings that mindset into sharper focus. It is a category where the financial commitment is high, the decision is rarely impulsive, and the consequences of getting it wrong feel more significant. As a result, it shows more clearly what consumers need to move from consideration to action.

Our data demonstrates what car finance providers need to be thinking about when shaping their propositions and customer conversations in 2026 and beyond.

At The Harris Poll UK, a Stagwell company, we’re continually engaging with leaders and innovators across the financial services sector to understand how technology is reshaping both opportunity and expectation.

At the recent Financial Services AI & Innovation Forum on 30 September, one theme came through loud and clear: artificial intelligence is no longer a future opportunity — it’s reshaping business realities today.

For financial services (FS) companies, the challenge is not whether to embrace it, but how to do so responsibly, effectively and in ways that truly deliver value to employees and customers.

There’s good news on the UK economic front, and its news worth celebrating. Consumer sentiment has seen a significant uplift. The latest Maru monthly ‘Cost of Living’ survey of UK consumers shows an 11% increase in consumer economic confidence. We have been tracking sentiment around the cost-of-living since April 2021, and the recent results are the clearest sign yet that the national mood is shifting and that optimism is on the rise. 

If you’ve been following the news in recent months, in amongst all the politics, conflict and cost-of-living coverage, you may have seen another smaller, but quite significant story. The Supreme Court has heard appeals relating to potential mis-selling of car loans, including Private Contract Purchase and Hire Purchase agreements, with a judgment expected in the coming months. Sounds all a bit legal-ese and boring? It shouldn’t. This ruling could impact millions of consumers who’ve bought cars on finance since 2007, with some estimates that over £30 billion in compensation could be on the table.

As Marks and Spencer continue to suffer through one of the worst cases of cyber disruption in recent memory, all eyes are on their response and whether the fallout from the attack will continue to hit their bottom line in the long term. 

We wanted to see just how much of an effect a cyber-incident of this scale can have on an organisation, even one as established and reputable as M&S – and whether a brand’s reputation can actually help them to better survive an attack of this kind. 

Read the results of our snap polling below.