Generational Divide in Tax Filing and Payment Habits Revealed in ACI Worldwide Survey

A survey of 1,198 US adults by ACI Worldwide found that nearly one in three Gen Z adults (30%) do not file a federal tax return, with another 30% unsure if they will file. Digital tax filing and payments are now the default for most Americans, but how people file, pay, and think about fraud varies sharply by generation. Financial pressure is evident across all age groups, with 44% planning to save their refund and 37% using it to pay down debt.