Levels of trust in day-to-day banking services are lower in Scotland than anywhere else in the UK, according to exclusive Which? research - just 39%, compared to 45% in the UK as a whole.
We also discovered that:
On a more positive note, Scots are more likely to be satisfied by their standard of living (66% were satisfied) and with their current household finances (47% were satisfied).
Just over a quarter said they believed their household finances would improve within the next year, while two in five felt they would stay the same - a figure on par with the rest of the UK.
We are concerned that Scottish communities and businesses could face financial exclusion, and are asking for a regulator to be given a statutory duty to protect access to cash as a matter of urgency.
The Insight Report also revealed that Scottish people have a below average trust in broadband services, with 39% compared to 45% of people across the UK as a whole.
The Scottish government is preparing to launch Consumer Scotland, a new body it claims will represent consumers in Scotland.
Caroline Normand, Which? director of advocacy said: 'Scottish consumers are struggling with dwindling day-to-day banking services and poor broadband connections and our research suggests this could be having an impact on trust in these vital industries, and demonstrates the need for a dedicated consumer body backed by the Scottish government.
'If Consumer Scotland is to be a real force for improving the lives of ordinary people, it must take on board the concerns highlighted in this report - and make tackling them a top priority.'
We engaged Populus to survey 1,075 people in 2018 to understand the spending habits, attitudes and concerns of consumers across the UK.