* Bread Financial published a national study on digital spending, highlighting rising “invisible money” risks in family finance. * 46% of parents reported surprise child purchases using digital payments; 43% cited in-app or in-game spending as the main trigger. * Parents flagged key comprehension gaps: 43% said kids miss how small digital buys add up; 31% said kids doubt it is real money. * Digital payment adoption rose with age; 56% of high school students used peer-to-peer apps versus 29% of elementary students. * 50% of parents used parental controls to monitor or pre-approve purchases; 46% said spending trackers would ease money discussions.
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