The majority of consumers use their smartphones to chat with businesses.

76% of consumers have received an SMS text message from a business and 65% have chatted with a company via a messaging app, according to the study “Mobile Messaging Report 2016” that surveyed 6,000 mobile media consumers in nine countries including, Brazil, China, France, Germany, India, Nigeria, South Africa, the U.K. and the U.S. Global trade body Mobile Ecosystem Forum commissioned On Device Research to conduct the study in Q2 2016.

Financial services is the most common industry that consumers say they chat with on their smartphone. 33% say they have received an SMS from a financial services company and 22% have communicated via a chat app with a financial institution. Financial services messages are typically about account activation (16% of consumers have sent a message via app and 17% via SMS) and balance checking (18% via app, 20% via SMS), according to the survey.

Across industries, confirming passwords is the most common chat activity, as 30% of consumers say they have confirmed a password via SMS and 25% via chat app.

Many consumers have used these methods to interact with retailers: 24% of global consumers have used SMS to communicate with a retailer and 17% have used a chat app. As for how U.S. consumers prefer to communicate with retailers, 38% say in person, 25% say on the phone, 20% via email, 10% SMS 3% messaging app, MMS 3% and letter 1%.

Smartphone messaging in healthcare, however, is not as common as it is in retail and financial services. 15% of global consumers have received a message from a healthcare provider via SMS and 12% via a chat app. The U.S. is above this global average, as 26% of consumers say have chatted with a healthcare provider via SMS and 19% via chat app. The only country in the study that is higher is the U.K, as 33% of U.K consumers have received a healthcare provider message via SMS and 19% via chat app.

Also in the U.S., 46% of consumers say they most like to communicate with their healthcare provider, such as a doctor, dentist or hospital, on the telephone, 26% in person, 12% email, 9% SMS , 3% MMS, 2% letter and 2% messaging app.

The survey also found that 17% of U.S. consumers receive an unsolicited text message every day, 19% one to three times a week, 11% once a week, 6% once a month, 25% occasionally and 21% never. Numbers don’t add up to 100% because of rounding.

The survey also asked consumers if they have ever acted on a business message that provided an offer based on their physical location. 41% said no, 22% yes, and 37% said they have never received a message like that.

Looking at which chat apps consumers use most, WhatsApp Inc. is the most common messaging app globally, as 37% of consumers say they use this mobile messaging app the most, according to the survey. Facebook Messenger is second at 21%, traditional SMS 16%, WeChat 9%, Instagram 4% and BlackBerry Messenger 3%. MMS, Snapchat, Line, Viber, Skype, Periscope and Telegram comprise the remaining share.

However, when the survey allowed consumer to select more than one messaging app that they frequently use, Facebook Messenger is the most popular, as 56% of global consumers say they frequently use this messaging app. The next most popular apps were WhatsApp 50%, SMS 42%, Instagram 21%, Snapchat 14%, WeChat 13%, Skype 13%, MMS 13% and Blackberry Messenger 10%.

Messaging app popularity also varies by region. For example, in the U.S. Facebook Messenger is the most popular messaging app as 65% say they frequently use this app and only 9% say the use WhatsApp and 2% use WeChat. However in China 79% say they frequently use WeChat, 16% use Facebook Messenger and 4% use WhatsApp. Consumers could select multiple answers.