The digital banking experience is…meh.

The vast majority of consumers are underwhelmed with their experiences using digital tools and services — including with their financial institutions, according to new research from Stamford, Conn.-based research and advisory company Gartner.

The survey of over 4,000 U.S. and UK consumers found that across 11 industries, at least 84% said their digital experiences fell short of expectations. Only 16% of respondents rated their digital perceptions in the top quarter of Gartner’s Digital Consumer Experience index. In addition, about one in five (18%) of consumers who choose not to use their bank’s online services say they avoid those services because they “don’t fully trust them.”

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