Digital Differences and Money

1. Digital Differences and Money Center for Financial Services Innovation/NYSE – Financial Literacy Week April 13, 2012 Lee Rainie: Director, Pew Internet Project Email: Lrainie@pewinternet.org

2. Tech landscape • Income • Educational attainment • Age • Race/ethnicity ---- • Internet / broadband at home • Mobile • Social networking

3. Internet users and HH income – 80%

4. Internet users and education – 80%

5. Internet users and age – 80%

6. Internet users and race/ethnicity – 80%

7. Broadband at home and HH income – 64%

8. Broadband at home and education – 64%

9. Broadband at home and age – 64%

10. Bband at home, race/ethnicity – 64%

11. Cell phones and HH income – 88%

12. Cell phones and education – 88%

13. Cell phones and age – 88%

14. Cell phones and race/ethnicity – 88%

15. Smartphone tipping point -- 46%

16. Smartphones and HH income – 46%

17. Smartphones and education – 46%

18. Smartphones and age – 46%

19. Smartphones and race/ethnicity – 46%

21. Download apps– 46%

23. Federal Reserve http://www.federalreserve.gov/econresdata/mobile-device-report-201203.pdf “Consumers and Mobile Financial Services”

24. Federal Reserve http://www.federalreserve.gov/econresdata/mobile-device-report-201203.pdf “Consumers and Mobile Financial Services”

25. Federal Reserve http://www.federalreserve.gov/econresdata/mobile-device-report-201203.pdf “Consumers and Mobile Financial Services”

26. Federal Reserve http://www.federalreserve.gov/econresdata/mobile-device-report-201203.pdf “Consumers and Mobile Financial Services”

27. Just-in-time commerce

28. SNS and HH income – 52%

29. SNS and education – 52%

30. SNS and race/ethnicity – 52%

31. SNS and age – 52%

32. Mean side of SNS network

33. Thank you!