More evidence has emerged that consumers are wholeheartedly embracing payment apps and digital wallets as these two payment methods are used by most consumers, finds the WSFS Bank 2026 Money Trends Survey. Thirty-two percent are using credit cards more in 2026, while 25% are using them less. Buy now, pay later methods are being used by 21% more often, though 19% are using it less often. “The surge in payment apps and digital wallets is encouraging because it reflects a desire for immediate cash control,” Kruzinski says. “By leaning into debit-based digital tools rather than credit structures that can accumulate high-interest debt, consumers are taking a much more hands-on approach to their personal balance sheets.