Lloyds analysis shows 18-24s lead AI use in personal finance but lag on confidence

LYG•2026-08-25

Lloyds analysis found 76% of UK 18-24s used AI for personal finance, yet they were least confident in financial decisions.

Confidence among digital money-tool users rose with age, from 64% for 18-24s to 85% for 65-74s.

Older cohorts also adopted AI: 47% of 55-64s, 35% of 65-74s; experience appeared to lift outcomes from tech use.

AI use shifted by life stage, with budgeting highest among 25-34s at 64%; mortgage advice reached 28% for 35-44s.

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