The Bank of America Institute

Employers continue to embrace and expand programs for their employees in response to increased stress.

Bank of America data shows a continued rise in key utility bills, with near-term reprieve unlikely.

Bank of America data shows that the on-demand work remains elevated, but it is not yet displacing traditional jobs.

Small business travel and strength in payroll payments persist amid signs of cautious optimism.

A recent study explores Gen Z’s approach to money – from financial priorities and behaviors to motivations and barriers.

Consumers are heading into the fall with solid spending and financial buffers. However, utility bills are taking a toll.

From clean energy to healthcare, who benefits?

How the case for corporate reshoring continues to strengthen. 

The federal student loan announcement has the potential to benefit a significant number of households. Who sees the most impact?

In response to budget surpluses, many states have been cutting taxes. Cuts aimed at gas prices appear to be benefitting consumers.

While discretionary spending slows for high-income consumers, the story differs across expense categories. 

As rent prices soar, younger and middle income consumers feeling the most pressure

Small business payments continue to grow in July with strong card spending and payroll payments.

Bank of America card data suggests back to school season kicked off on a strong footing despite concerns about consumer spending.

Consumers feel relief from lowering gas prices, but many are feeling squeezed from rising rents.

To win the war for talent, employers must do their part in fostering workplaces that enable neurodivergent employees to thrive.

The U.S. housing market has reached a turning point with both home sales and home-related spending.

The pandemic saw a rise in remote work. Coffee store sales suggest this has not completely unwound.

Retail inventories are rising across all sectors, but only general merchandise retailers are overstocked. 

Rising expenses will impact people differently, based on their income & spending. We take a look at who has the thinnest margins.

The “holiday bump” in spending was smaller this year than in the prior years, but international retail spending remains strong.

Small businesses continue to spend, especially on travel and payroll, despite inflationary pressure.

The post summer outlook is unclear as crosswinds impact consumers, but balance sheets are still in good shape. 

Following sharp declines in crypto markets, our data shows a declining appetite for crypto.

We take a historic look at what discretionary spending households tend to cut during an economic downturn.

Over the pandemic millions of people left the labor force. We investigate whether people decided to retire early.

Middle income consumers are getting hit the hardest by inflation, but real spending on services remains robust.

International travel for U.S. consumers is picking up again, with European countries gaining popularity

Payroll expense per client is up strongly, on the back of increased employment and higher wages.

As we hunt for bearish signs in our data, we are struck by strong momentum in services spending and elevated household deposits

Americans are looking for flexibility in retirement options. Many plan to work and save longer, aided by changes in Washington DC 

While spending has slowed on goods, services including travel and entertainment remain resilient

Our data shows younger and lower income job changers are benefiting significantly, but job turnover may be peaking 

How will rising rates impact U.S. consumer mortgage, auto loan and credit card debt?

A lack of food security can lead to higher prices, acute shortages and ultimately social unrest. What can be done?

Consumers’ momentum remains strong as we head in to spring.

Small businesses are spending as they emerge from the pandemic, despite declining stimulus support.

The 12 emerging gene and cell therapy technologies with the greatest potential to transform healthcare in the next few years

The developing crypto-native ecosystem is accelerating the way in which digital assets are disrupting traditional industries

As inventory and affordability challenges persist, U.S. homebuyers remain determined to achieve their homeownership aspirations

Companies are in a race to net zero and BofA Global Research analysts say more than 9 out of 10 have a clear plan to get there

As scarcity accelerates, we identified 10 transformative thematic solutions and c$8tn of market cap in enablers

Three reasons to be cheerful

A lack of DEI is costly for companies, individuals and the advancement of society. Download our DEI publication to learn more. 

How are consumers weathering the storm of rising prices? Download our Consumer Checkpoint publication to learn more.