One in three Swedes now uses ChatGPT regularly, yet four out of five AI apps receive lower trust scores than the average app on the market. A new report from digital product company Framna, covering Sweden, Denmark and the Netherlands, highlights a growing paradox: we increasingly share sensitive information with tools we do not fully trust.
The report, Mobile App Trends Report 2026, is based on responses from 13,750 users and an analysis of 460 apps across Sweden, Denmark, the Netherlands and Poland. The findings show that AI apps are growing faster than any other category Framna has measured, while user trust lags behind.
Claude is the exception
Only one AI app stands out positively: Claude is the only app in the study that scores above the market average for trust. However, its user base is still relatively small and concentrated mainly among Generation Z.
ChatGPT is used by 40 percent of respondents in Sweden, yet it falls significantly below the market average when users evaluate how their data is handled.
“Despite concerns about data and privacy, AI usage has exploded. We upload increasingly sensitive content because the responses are so valuable, which has created a new reality where low trust is accepted as a condition,” says Erik Ridman, CEO of Framna Sweden.
Next wave: the ultra-personalized app
The report suggests that AI assistants’ ability to remember context and adapt to individuals will reshape expectations for apps in general. Today, most traditional apps still open “as if it were the first time,” even for repeat users.
“Many companies already have enough data to deliver something far more personal, but no one has truly taken control of the ultra-personalized experience. That will be the next big wave in app development,” says Erik Ridman.
We use most apps out of habit, not love
The report also shows that 85 percent of the apps studied have a negative Net Promoter Score, despite regular use. In Sweden, Swish and the Tax Agency (Skatteverket) stand out as exceptions, combining high usage with strong trust.
According to Framna, four primary factors determine whether an app is valued:
● Functionality: The app accomplishes the task the user opened it for, adapts to the user, and remains relevant over time.
● User experience and design: The service is intuitive, well-structured and visually appealing.
● Stability: The app is fast, reliable and free from technical issues.
● Trust: The user believes the app acts in their interest and handles data responsibly.
Together, these four factors explain 76 percent of an app’s overall rating. The most important factor, however, remains fundamental: the app must solve the task the user opened it to perform.
“Some apps drown in new, advanced features instead of focusing on and delivering exactly what the user came to do,” concludes Erik Ridman.
See the full report here.
About the report
Mobile App Trends Report 2026 was produced by digital product company Framna to investigate the factors that drive user satisfaction, loyalty and trust in mobile apps. The study analyzed 460 apps and includes responses from 13,750 users in Denmark, Sweden, the Netherlands and Poland. The Swedish sample comprised 3,800 respondents.
About Framna
Framna is a digital product agency that builds digital products for clients such as Swish, SJ, Vattenfall and Essity. The agency was formed by the merger of leading digital firms Bontouch, Move and Shape, and today counts more than 600 specialists across ten studios in Denmark, Sweden, Switzerland, the Netherlands, Poland and the United States.
More information is available at www.framna.com.