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Key Takeaways:
 

• Cost of Shared Experiences: Gen Z reports that group spending is driving many of them into debt, showing how social plans can come with real financial consequences.
• Chasing Down Repayments: Fronting money for friends and family often leaves Gen Z chasing repayments — or not getting fully paid back at all.
• Strain on Friendships: Shared expenses are creating friendship tension for Gen Z, making dinners, trips and events into potential sources of anxiety.
• Speed of Repayment: Frequent Zelle® users say faster paybacks are changing how they settle up, helping reduce the friction of shared spending.