Studies Archive

THE TREASURY MANAGEMENT PLAYBOOK: TECHNOLOGY STRATEGIES AND BEST PRACTICES

Risk Management

Inside The May 2024 Report

NEW TECH: Treasury technology stacks are more advanced than ever
CASH FLOWS: Better technology improves cashflow forecasting
MAXIMIZING DATA: How treasury teams can get the most out of their data

Editions:

January 2024 | August 2023 | June 2023

CARD-LINKED OFFER USAGE OVER TIME

Loyalty & Rewards

Inside The May 2024 Report

69%: Portion of consumers who increased their card-linked offer usage in the last year and are likely to increase their use in the coming 12 months
62%: Share of card-linked offer users who are more satisfied with the relevancy of offers they received this year than last year
22%: Portion of past card-linked offer users who say a lack of relevant deals keeps them from coming back

Editions:

GENERATION INSTANT: FREELANCERS USE INSTANT PAYMENTS TO REDUCE FINANCIAL HARDSHIP

Money Mobility

Inside The May 2024 Report

30%: Portion of freelancers who primarily use instant payments because the method helps with paying bills on time
58%: Share of freelancers highly likely to pay a fee to receive disbursements of $1,000 or more instantly
29%: Portion of freelancers highly likely to pay a fee to receive disbursements less than $100 instantly

Editions:

HOW CREDIT UNION INNOVATION CAN DRIVE GEN Z ENGAGEMENT

Credit Unions

Inside The May 2024 Report

35: Total number of products and features that top-performing CUs plan to offer by 2030
25%: Share of Gen Z CU members who say they want their CU to innovate on Zelle in the near future, twice the share of average CU members
41%: Portion of CUs that have no plans to offer Zelle by 2030

Editions:

2024 GLOBAL DIGITAL SHOPPING INDEX: MEXICO EDITION

VISA

Inside The May 2024 Report

62%: Share of digital shopping features consumers want but cannot use at merchants in Mexico
46%: Share of consumers in Mexico who most recently shopped in-store without digital features
28%: Share of consumers in Mexico who enhance their in-store shopping with digital features

Editions:

REDEFINING RETAIL: CONSUMER FINANCE TRENDS DRIVING THE EVOLUTION OF PAY LATER PLANS

Consumer Finance

Inside The May 2024 Report

50%: Share of consumers likely to switch to merchants offering installment plans tied to their existing credit cards during checkout
10%: Drop in general usage of pay later plans over the past six months
33%: Share of consumers who would specifically choose credit card installments for high-value purchases

Editions:

February 2024 | February 2024 | December 2023 | September 2023

SMALL BUSINESS REAL-TIME PAYMENTS BAROMETER: RESTAURANT EDITION

Real-Time Payments

Inside The May 2024 Report

68%: Portion of restaurant SMBs that sent instant payments citing speed as a primary reason for doing so
20%: Share of restaurant SMBs that sent instant bank account-to-account payments
44%: Portion of restaurant SMBs annually generating more than $1 million in revenue that cite an instant payment method as their most used payment rail

2024 GLOBAL DIGITAL SHOPPING INDEX: UAE EDITION

VISA

Inside The May 2024 Report

71%: Portion of UAE consumers who used digital features to enhance their last shopping experience
43%: Share of UAE consumers who have adopted Click-and-Mortar™ strategies
55%: Portion of grocery shoppers in the UAE who purchase in-store without digital aids

Editions:

GENERATION INSTANT: HOW TRUCKERS USE INSTANT PAYMENTS TO SUPPORT THEIR LIFESTYLES

Money Mobility

Inside The May 2024 Report

41%: Portion of truckers who have received their income and earnings disbursements through instant payment methods
75%: Share of truckers citing convenience as the reason they prefer instant to receive income and earnings payouts
91%: Portion of truckers citing speedy guarantee of good funds as the reason they prefer instant to receive income and earnings payouts

Editions:

LEVERAGING AI AND ML TO THWART SCAMMERS

Fraud Prevention

Inside The May 2024 Report

64%: Portion of FIs reporting incidents of IRS imposter scams
36%: Share of FIs that believe they should not be responsible for reimbursing customers for money lost in scams
53%: Portion of scams FIs report that involve product or services fraud

Editions:

February 2024 | December 2023 | September 2023

THE ROLE OF STRATEGIC PARTNERSHIPS IN CONSUMER CREDIT CARDSATHE ROLE OF STRATEGIC PARTNERSHIPS IN CONSUMER CREDIT CARDS - MAY 2024

Consumer Finance

Inside The May 2024 Report

27%: Share of consumers that own a co-branded store card
45%: Share of co-branded card owners that sometimes or always revolve a balance
60%: Share of co-branded card owners who have a card from a retailer affiliate

Editions:

THE EMBEDDED LENDING OPPORTUNITY - APRIL 2024

VISA

Inside The April 2024 Report

25%: Portion of consumers in Japan who are highly satisfied with lending options
21%: Share of embedded lending users who feel fees or interest rates are too high
56%: Portion of Gen Z consumers reporting strong interest in using embedded lending

SMALL BUSINESS REAL-TIME PAYMENTS BAROMETER: HEALTHCARE EDITION

Real-Time Payments

Inside The April 2024 Report

64%: Portion of healthcare provider SMBs that are highly interested in sending real-time payments
61%: Share of healthcare provider SMBs that sent real-time payments that cite speed as a primary reason
31%: Portion of healthcare provider SMBs that did not send real-time payments that cite increased risk of fraud as a concern

2023-2024 GROWTH CORPORATES WORKING CAPITAL INDEX: CEMEA EDITION

VISA

Inside The April 2024 Report

77%: Portion of CEMEA Growth Corporates that report accessing working capital improved business metrics and buyer-supplier relationships
60%: Share of CEMEA Growth Corporates that used external financing for strategic purposes
39%: Portion of agriculture Growth Corporates in CEMEA that accessed working capital loans in 2023

Editions:

CARD-LINKED OFFER GROWTH HINGES ON FIRST-TIME USERS

Loyalty & Rewards

Inside The April 2024 Report

28%: Portion of non-card-linked offer users who plan to begin using them
73%: Share of nonusers who say they are not at all or only slightly familiar with card-linked offer programs
55%: Portion of consumers who say cash-back rewards would influence their decision to begin using card-linked offers

Editions:

2024 GLOBAL DIGITAL SHOPPING INDEX: BRAZIL EDITION

VISA

Inside The April 2024 Report

46%: Portion of high-income shoppers who use Click-and-Mortar™ shopping features; this peaks for low-income shoppers, with 53% adopting these strategies
74%: Rise in satisfaction scores among Brazil’s Click-and-Mortar™ shoppers compared to in-store-only shoppers
7: Average number of the 21 digital shopping features merchants in Brazil already offer that consumers cannot find

Editions:

HOW INSTANT AD HOC PAYMENT COSTS IMPACT SMALL SMBS

Money Mobility

Inside The April 2024 Report

81%: Share of SMBs that receive ad hoc payments in exchange for both products and services in a typical year
25%: Portion of SMB receivers that reported poor payment timing as their biggest challenge in processing ad hoc payments
57%: Share of SMB receivers willing to pay a fixed fee for instant payments

Editions:

May 2024 | May 2024 | May 2024 | April 2024 | December 2023 | December 2023

2024 WOMEN’S WELLNESS INDEX: WOMEN’S LIFE STAGE PRIORITIES IN HEALTH AND WELLNESS

Healthcare

Inside The April 2024 Report

Women living alone have a 20% higher Wellness Index score than the average woman.
Women spend 7.9% less on their own health than men do, which can negatively impact their health outcomes.
Millennial single moms have a 33% lower Wellness Index score than women who live alone.

MEETING THE DEMAND FOR INSTANT AD HOC PAYMENTS

Money Mobility

Inside The April 2024 Report

39%: Portion of ad hoc payments that gig economy companies made via instant methods
4%: Share of senders citing the cost of instant rails as biggest challenge they faced processing ad hoc payments in the last year, down from 22% in September 2023
67%: Portion of senders that believe consumers would select instant for refunds when offered

Editions:

May 2024 | May 2024 | May 2024 | April 2024 | December 2023 | December 2023

FRAUD MANAGEMENT IN ONLINE TRANSACTIONS - APRIL 2024

Fraud Prevention

Inside The April 2024 Report

68%: Portion of merchants citing customer satisfaction as a security-related challenge
53%: Share of merchants using per-transaction 2FA
5%: Average failed payments rate for merchants using outsourced anti-fraud processes

Editions:

February 2024 | January 2024 | November 2023

2023-2024 GROWTH CORPORATES WORKING CAPITAL INDEX: APAC EDITION

VISA

Inside The April 2024 Report

73%: Portion of APAC Growth Corporates planning on using virtual cards for strategic purposes in 2024
29%: Share of healthcare and medical Growth Corporates in APAC using working capital loans
38%: Portion of APAC commercial travel Growth Corporates using external financing for growth

Editions:

2024 GLOBAL DIGITAL SHOPPING INDEX: SMB EDITION

VISA

Inside The March 2024 Report

40%: Portion of digital shopping features that U.S. SMBs provide that consumers want but cannot find
46%: Portion of SMBs in the UAE that only use digital channels to sell retail products
14: Average number of digital features retail SMBs offer and plan to enhance

Editions:

MEASURING CONSUMERS’ GROWING INTEREST IN INSTANT PAYOUTS - MARCH 2024

Money Mobility

Inside The March 2024 Report

77%: Portion of consumers who would choose instant payments to receive disbursements when given the option
48%: Share of consumers who received at least one government disbursement in the past year
32%: Portion of consumers who regularly use instant to receive their disbursements

2024 GLOBAL DIGITAL SHOPPING INDEX: U.K. EDITION

VISA

Inside The March 2024 Report

59%: Share of U.K. consumers who last shopped in-store for groceries
34%: Share of U.K. consumers who want a free shipping feature but fail to find it
92%: Share of U.K. consumers who last shopped fully remotely reporting a satisfaction increase with digital assistance relative to in-store-only shopping

Editions:

CONSUMER SENTIMENT ABOUT OPEN BANKING PAYMENTS

Payments Innovation

Inside The March 2024 Report

46%: Portion of consumers highly willing to use open banking payments for at least one product or service
66%: Share of millennials highly willing to use open banking payments for at least one product or service
6: Average number of websites or apps that Gen Z consumers connect their bank accounts to

THE EMBEDDED FINANCE ECOSYSTEM: LOGISTICS AND WHOLESALE TRADE EDITION

Payments Innovation

Inside The March 2024 Report

83%: Portion of PayFacs highly interested in digital wallet innovations
57%: Share of marketplaces highly interested in further innovating their existing digital wallet offerings
50%: Portion of ISVs currently offering digital wallet solutions and highly interested in innovating further

Editions:

March 2024 | January 2024 | January 2024 | December 2023 | November 2023

GROWING CREDIT UNION MEMBERSHIP VIA LENDING AND OMNICHANNEL BANKING INNOVATION

Credit Unions

Inside The March 2024 Report

7.9%: Portion of CU members say they switched to their CU because their previous FI lacked sufficient online and mobile banking
18%: Share of CU members who want their FI to provide budgeting tools in the next three years
12%: Portion of CU members who say they switched to their current CU because their previous FI did not have branches nearby.

Editions:

LEVERAGING ITEM-LEVEL RECEIPT DATA: HOW CARD-LINKED OFFERS HELPED DRIVE YEAR-END SPEND

Merchant Innovation

Inside The March 2024 Report

69%: Share of millennials who were very or extremely satisfied by the savings they received through card-linked offers.
76%: Share of card-linked offer users who referred friends and family to at least some of the card-linked offers they received
77%: Share of cardholders with children who used card-linked offers for at least a few of their 2023 holiday purchases

Editions:

THE EMBEDDED FINANCE ECOSYSTEM: MEDIA AND TELECOM EDITION

Payments Innovation

Inside The March 2024 Report

85%: Portion of marketplaces in the media and telecom sector expressing strong interest in digital wallet innovations
33%: Share of PayFacs in the media and telecom segment very or extremely interested in starting to offer installment plans
36%: Portion of ISVs in the media and telecom segment naming regulation and compliance as the biggest challenge in bringing innovations to market

Editions:

March 2024 | January 2024 | January 2024 | December 2023 | November 2023

HOW PREFERRED PAYMENT AVAILABILITY CAN REDUCE CART ABANDONMENT

ECommerce

Inside The February 2024 Report

53%: Portion of consumers who believe online marketplaces are the best at offering consumers’ preferred methods
8: Average number of carts consumers abandoned on brands’ sites
48%: Portion of consumers who prefer to purchase electronics on online marketplaces

NEW REALITY CHECK: THE PAYCHECK-TO-PAYCHECK REPORT: WHY ONE-THIRD OF HIGH EARNERS LIVE PAYCHECK TO PAYCHECK

Consumer Finance

Inside The February 2024 Report

48%: Portion of consumers earning more than $100K who lived paycheck to paycheck as of January 2024
28%: Share of high-income shoppers who have purchased lower quality products due to price increases
20%: Portion of consumers earning $200K+ who cite unexpected expenses as the top reason they have not had a fixed savings routine in the last three months

Editions:

May 2024 | April 2024 | March 2024 | February 2024

HOW FRAUD FEARS IMPACT FIS’ ADOPTION OF FASTER PAYMENT SOLUTIONS

Fraud Prevention

Inside The February 2024 Report

81%: Portion of FIs that report they are able to offer secure real-time payments
35%: Share of FIs that feel the benefits of open banking outweigh the risks
78%: Share of FIs experiencing increased fraud that report they are able to offer secure real-time payments

Editions:

May 2024 | December 2023 | September 2023

CROSS-BORDER SALES AND THE CHALLENGE OF FAILED PAYMENTS

Retail

Inside The February 2024 Report

69%: Share of merchants highly interested in innovative fraud management tools
82%: Portion of merchants that find it difficult to identify causes of failed payments
$3.8B: Estimated losses by U.S. merchants in 2023 due to failed cross-border payments

Editions:

April 2024 | January 2024 | November 2023

2023-2024 GROWTH CORPORATES WORKING CAPITAL INDEX: EUROPE EDITION

VISA

Inside The February 2024 Report

92%: Share of commercial travel European Growth Corporates that used financing in 2023
37%: Share of commercial travel European Growth Corporates that used financing to cover shortfalls and emergencies
33%: Share of European Growth Corporates planning to use working capital loans as their primary working capital solution in 2024

Editions:

2024 GLOBAL DIGITAL SHOPPING INDEX: U.S. EDITION

VISA

Inside The February 2024 Report

65%: Share of Click-and-Mortar™ shoppers experiencing an increase in customer satisfaction over those who shop with no digital assistance in the U.S.
76%: Portion of shoppers in the U.S. who want the ability to use their preferred payment method
24%: Portion of digital features that consumers want but fail to find from a lack of knowledge

THE 2024 GLOBAL DIGITAL SHOPPING INDEX

VISA

Inside The February 2024 Report

45%: Share of millennials who have adopted the Click-and-Mortar™ shopping model
57%: Share of parents with children at home who pursue Click-and-Mortar™ shopping experiences
7: Average number of additional digital features that merchants who anticipate revenue growth offer compared to merchants not expecting revenue growth

DIVIDED, NOT CONQUERED: ACQUIRER AND MERCHANT CONFUSION CLOUDS SPLIT-PAYMENTS LANDSCAPE

Consumer Payments

Inside The February 2024 Report

38%: Share of Gen Z consumers who increased their use of any type of split-payment product in the last year
97%: Portion of acquirers that process transactions and can split payments on cards that they issue
60%: Share of acquirers planning to enhance their ability to offer installment plans within the next year

Editions:

May 2024 | February 2024 | December 2023 | September 2023

NEW REALITY CHECK: THE PAYCHECK-TO-PAYCHECK REPORT: PESSIMISM ABOUT PAY RISES OFFSETS THE EFFECT OF FALLING INFLATION

Consumer Finance

Inside The February 2024 Report

83%: Portion of consumers who are at least somewhat concerned about current and near-future economic conditions
42%: Share of consumers who expect the interest rates of their loans to increase during 2024
20%: Portion of paycheck-to-paycheck consumers who say that their average savings will decrease in 2024

Editions:

May 2024 | April 2024 | March 2024 | February 2024

UNPACKING MERCHANT STRATEGIES AND CONSUMER DEMAND FOR FLEXIBLE PAYMENT PLANS

Consumer Payments

Inside The February 2024 Report

78%: Share of merchants planning to improve their ability to accept general-purpose card installments
18%: Portion of merchants reporting lack of BNPL options is consumers’ most common complaint
90%: Share of merchants not offering merchant/store card installment plans

Editions:

May 2024 | February 2024 | December 2023 | September 2023

CAN NEW USE CASES DRIVE CONSUMER USE OF DIGITAL WALLETS?

Digital Payments

Inside The February 2024 Report

54%: Portion of consumers using a debit card as the underlying digital wallet payment method when purchasing non-grocery retail purchases in-store
12%: Share of consumers who cite the ability to pay a recurring monthly bill as the top digital wallet feature they are interested in
38%: Portion of consumers using a debit card as the underlying digital wallet payment method when purchasing groceries online

Editions:

December 2023 | September 2023 | September 2023 | July 2023 | June 2023

SMB BORROWING DYNAMICS: TOOLS, TRENDS AND DECISION DRIVERS

SMBs

Inside The January 2024 Report

45%: Portion of SMBs identifying revolving credit products as their go-to borrowing tool
17%: Share of high-revenue SMBs citing BNPL as the borrowing tool they have used most in the last year
33%: Portion of low-revenue SMBs reporting they have used reward credit cards most in the last year

THE CREDIT ECONOMY: THE ROLE OF REWARD PROGRAMS IN CONSUMER CREDIT USAGE

Credit Cards

Inside The January 2024 Report

26%: Share of cardholders who had trouble redeeming rewards saying rewards were insufficient for desired purchases
36%: Share of credit card holders who received cash back on any purchase in the last 90 days
71%: Share of consumers very or extremely satisfied with the rewards program offered by their primary credit card

Editions:

May 2024 | November 2023 | September 2023 | June 2023

2024 CREDIT UNION INNOVATION READINESS INDEX - JANUARY 2024

Credit Unions

Inside The January 2024 Report

93%: Share of the most innovative CUs that increased total investment in payment innovation in the past year
14%: Portion of total asset size that the most innovative CUs invested in payments innovation in the past year
19%: Share of the least innovative CUs that cite regulation and compliance as their top challenge

Editions:

THE TREASURY MANAGEMENT PLAYBOOK: SPOTLIGHT ON CROSS-BORDER PAYMENTS

Cross-border Payments

Inside The January 2024 Report

IMPROVED EXPERIENCES: Having the right cross-border payment solutions creates seamless customer experiences and may increase satisfaction.
NEW SOLUTIONS: Better options for cross-border payments are changing the game, and companies need to innovate to stay competitive.
MAXIMIZING GROWTH: For top growth, businesses must look abroad, making fast, reliable and cost-effective cross-border payments more important than ever.

Editions:

May 2024 | August 2023 | June 2023

2023-2024 GROWTH CORPORATES WORKING CAPITAL INDEX: FLEET AND MOBILITY EDITION

VISA

Inside The January 2024 Report

Two-thirds of fleet and mobility Growth Corporates used working capital to cover seasonal liquidity shortfalls, invest in assets and upgrade legacy systems.
Top-performing fleet and mobility companies used external working capital strategically, resulting in 26% lower DPOs than those seen among bottom performers.
96% of fleet and fuel companies expect to use a working capital solution in the next year.

Editions:

THE PAYFAC ECONOMY AND THE EMBEDDED PAYMENTS REVOLUTION

Digital Payments

Inside The January 2024 Report

UNLOCKING OPPORTUNITY: PayFacs’ embedded payments tools allow businesses to reach new markets and customers at scale.
WAVE OF THE FUTURE: PayFacs are helping advance commerce and expand the digital economy.
DATA INSIGHTS: PayFacs enable merchants to collect data on how consumers use and engage with businesses.

Editions:

March 2024 | March 2024 | January 2024 | December 2023 | November 2023

THE EMBEDDED FINANCE ECOSYSTEM: SOFTWARE PUBLISHING EDITION

Digital Payments

Inside The January 2024 Report

50%: Portion of marketplaces offering merchant lending solutions to the software industry that want to innovate further
25%: Share of marketplaces saying the biggest barrier to innovation is complex internal decision-making processes
26%: Portion of ISVs citing system integration as their top obstacle to innovation

Editions:

March 2024 | March 2024 | January 2024 | December 2023 | November 2023

THE ONLINE FEATURES DRIVING CONSUMERS TO SHOP WITH BRANDS, RETAILERS OR MARKETPLACES

ECommerce

Inside The January 2024 Report

28%: Portion of consumers who probably or definitely prefer shopping on a brand’s site
72%: Share of consumers who say they are highly satisfied when shopping from a brand’s site
66%: Portion of consumers who cite free shipping as a key determinant of their loyalty to a shopping channel

THE ROLE OF FRAUD SCREENING IN MINIMIZING FAILED PAYMENTS

Fraud Prevention

Inside The January 2024 Report

33%: Portion of merchants with a screening mechanism that detects if potential fraud causes failed payments
78%: Share of merchants with no PSP collaboration actively seeking innovative solutions to combat friendly fraud and chargeback fraud
42%: Portion of merchants that increase the security level and ask the customer to attempt the purchase again after a failed payment

Editions:

April 2024 | February 2024 | November 2023

LEVERAGING ITEM-LEVEL RECEIPT DATA: HOW MERCHANTS ENGAGED HOLIDAY SHOPPERS WITH CARD-LINKED OFFERS

Loyalty & Rewards

Inside The January 2024 Report

28%: Share of card users who said merchants presented them with card-linked offers for all or most of their 2023 holiday purchases
49%: Share of cardholders considering using card-linked offers who cited reducing costs as the most important reason to consider using them
37%: Share of cardholders who have not used card-linked offers in the last 12 months because they lack familiarity with the programs

Editions:

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