Finance App Usage Time on the Rise: Over 30% of Users Aged 20+ Use '6 or More' Apps

Fuller Co., Ltd. (Headquarters: Niigata City, Niigata Prefecture; President and CEO: Shoji Yamazaki; hereinafter 'Fuller') has released the 'Generational Finance App Usage Trends Report 2026,' analyzing real-world finance app usage by age group based on data accumulated in its app market analysis service, 'App Ape (App Ape).'

This report provides a multifaceted analysis of finance app usage trends, including changes in usage time, age-specific behaviors, number of apps used, usage time slots, and the most popular apps by age group.

The analysis revealed that while overall smartphone usage time shows signs of plateauing, finance app usage time is on an upward trend.

As digitalization advances in areas such as cashless payments, budgeting, asset management, online banking, securities and investment, and consumer loans and insurance, the report uncovers distinct usage patterns and needs across different age groups.

▼ Download the 'Generational Finance App Usage Trends Report 2026'

https://ja.appa.pe/reports/generational-finance-appmarketreport-2026

Survey Overview

Survey Method

Analysis conducted using Fuller's app market analysis service, 'App Ape,' based on data collected from approximately 400,000 Android devices in Japan.

Target Apps

Apps meeting all the following conditions were defined as 'finance apps' and included in the survey:

- Monthly Active Users (MAU) of 500 or more for Android apps during each month of the survey period

- Listed in the 'Finance' category on Google Play as of the end of each month during the survey period

Survey Period

January 2025 – May 2026

Highlights from the 'Generational Finance App Usage Trends Report 2026'

① Finance app usage time is on the rise

From January 2025 to May 2026, while overall smartphone usage time remained largely unchanged, finance app usage time showed an overall upward trend, despite temporary fluctuations.

② Users aged 20+ use multiple finance apps, with over 30% using 6 or more

The report analyzed the number of finance apps used by age group among users who used at least one finance app in May 2026. Among teenagers, single-app usage was highest at 40.6%. In contrast, users aged 20 and above showed a strong tendency to use multiple finance apps.

Across all age groups aged 20+, over 30% used six or more apps, indicating widespread use of different apps for payments, budgeting, banking, and securities.

③ Usage peaks at noon and evening; users aged 60+ also active in the morning

When examining time-of-day usage rates, all age groups showed increased usage centered around 12:00 and 18:00.

While users aged 30–50 showed similar patterns, those aged 60+ had higher usage in the morning (8–11 AM) and lower usage in the evening compared to other age groups. Teenagers had the lowest usage rate throughout the day, highlighting generational differences in usage habits.

▼ Download the report here

https://ja.appa.pe/reports/generational-finance-appmarketreport-2026

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About App Ape

App Ape, provided by Fuller, is an app market analysis service that delivers data on user behavior based on real-world smartphone app usage.

Positioned as the mobile equivalent of TV ratings, App Ape enables users to see data on 'when, by whom, and how much' apps are being used.

In addition to user behavior data, App Ape provides cross-sectional data such as app store information and user demographic data, widely used for app planning and marketing, including market and competitive analysis.

The service is used by a wide range of business professionals involved in apps, including app developers, advertising agencies, and financial institutions, with over 500 companies having adopted the service to date.

App Ape Official Website

https://ja.appa.pe/

About Fuller

Fuller operates under the mission 'Digital that cares for people, in everyone’s hands,' actively expanding its 'Digital Partner Business' to support digital initiatives such as apps and websites across all its professional domains.

From strategy building for new and existing businesses to product development and growth, Fuller partners as a 'one team' to support customers, aiming to be a trusted partner across all digital domains and contributing to problem-solving and business growth.

With a dual-headquarters system in Kashiwanoha and Niigata, Fuller aims for medium- to long-term growth by maximizing the unique characteristics of each regional base.

For reference: Fuller Official Website – About Digital Partner Business

https://www.fuller-inc.com/business

Company Name: Fuller Co., Ltd.

Headquarters:

[Kashiwanoha HQ] 178-4 Wakahiba, Kashiwa City, Chiba Prefecture, Block 148-2 KOIL, Kashiwanoha Campus

[Niigata HQ] 1-2 Sasaguchi, Chuo Ward, Niigata City, Niigata Prefecture, PLAKA2 NINNO

Representative: President and CEO Shoji Yamazaki

Established: November 15, 2011

Business: Digital Partner Business

Listed on: Tokyo Stock Exchange Growth Market (Stock Code: 387A)

URL: https://www.fuller-inc.com/

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Inquiries: PR Contact, Hikage [email protected]