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

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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

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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

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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

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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

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THE ROLE OF STRATEGIC PARTNERSHIPS IN CONSUMER CREDIT CARDS
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

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THE EMBEDDED LENDING OPPORTUNITY
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

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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

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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

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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

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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

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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

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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

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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

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MEASURING CONSUMERS’ GROWING INTEREST IN INSTANT PAYOUTS
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

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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

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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.

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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2024 CREDIT UNION INNOVATION READINESS INDEX
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

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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.

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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.

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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.

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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

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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

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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

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INCREMENTAL CHANGES, BIG IMPACT: FOUR WAYS GLOBAL MERCHANTS CAN OPTIMIZE DIGITAL CONVERSION RATES
ECommerce

Inside The January 2024 Report

  • Multifaceted Approach: Global eCommerce businesses must comply with diverse regulations, adhere to issuer-specific protocols and incorporate home currencies into their pricing mechanisms.
  • Beyond Authentication: Cross-border eCommerce businesses must enhance the entire shopping journey by providing diverse payment choices, streamlined checkouts and smooth mobile shopping experiences.
  • FX Transparency Required: eCommerce merchants must provide consumers with comprehensive breakdowns of FX costs or risk losing sales.

WHAT’S NEXT IN AUTOMATION
Accounts Payable

Inside The December 2023 Report

  • 5%: Portion of mid-sized firms that have completely automated their AP or AR processes
  • 2%: Share of mid-sized firms that have no intent to automate AP processes
  • 91%: Portion of mid-sized firms that have fully automated AR systems that report increased savings, cash flow and growth

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PERSONALIZED OFFERS ARE POWERFUL — BUT TOO OFTEN OFF-BASE
Retail

Inside The December 2023 Report

  • 58%: Share of consumers interested in discount and promotion offers
  • 44%: Portion of consumers finding offers very relevant to their needs
  • 89%: Share of millennials interested in receiving personalized offers, leading all demographics

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REGULATING GENERATIVE AI: THE SIX STORYLINES OF 2023
Artificial Intelligence

Inside The December 2023 Report

  • Intellectual Property Rights Debate: AI’s creative outputs challenge existing IP laws.
  • Regulatory Sandboxes for AI Oversight: Pilot programs are essential for understanding and regulating AI.
  • Technological Evolution Outpaces Laws: AI’s rapid advancement requires adaptable, informed legal frameworks.

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