Payment Methods

Why Cardholders Prefer Debit and Digital Engagement

Live Webinar March 24, at 1:00 PM EST

Mobile wallets and contactless payments are perhaps more accessible than ever before – with more merchants and companies pushing mobile payment acceptance and support as a priority. But the results from the 2015 U.S. Consumer Payment Choice Study, conducted by TSYS, shows that debit cards continue to dominate as the preferred payment choice among consumers.

While the past two years of the study have shown a steady decline in the percentage of consumers who opt for using their debit card above all else, the payment method is still a favorite among 41 percent of the study’s respondents. For everyday purchases, consumers look to their debit cards, but for online or discretionary purchases credit cards are preferred, while cash still holds strong on small-dollar payments.

To learn more about the TSYS’ 2015 U.S. Consumer Payment Choice Study and how consumers are choosing to pay, join MPD’s CEO Karen WebsterTSYS’ Senior Director of Consumer Payment Solutions Sarah Hartman and Product Development Manager Adam Smitherman for a digital discussion on Thursday, March 24, at 1:00 PM (EST).

Key discussion topics will include:

1. Consumers’ most preferred payment type.

2. What influences consumers when making choices on how to pay?

3. Digital Engagement — Consumers’ views on the use of mobile to manage finances and make payments.

4. Consumers’ preferences concerning marketing and communication with their financial institution.

. . . . . . . . . . . . . . . . . . . . .

To attend this live digital discussion, please complete the registration form shown below.

Your First Name (required):

Your Last Name (required) :

Company (required):

Title (required):

Your Email (required):

Your Phone Number:

State Province (required):

Receive Newsletter:

. . . . . . . . . . . . . . . . . . . . .


Sarah Hartman, Senior Director of Consumer Payment Solutions, TSYS

Sarah Hartman is the Senior Director of Consumer Payment Solutions at TSYS, a global payments processor. Her responsibilities include product and strategy activities associated with the consumer credit and debit card issuing business. Hartman has over 25 years of payments industry experience and is an elected member of the U.S. EMV Migration Forum (EMF) Steering Committee and participates in other payment groups, including ACT Canada and the Smart Card Alliance’s Payments Council. Prior to joining TSYS, Sarah held a number of leadership roles with a large consumer bank where her responsibilities included: consumer payment products, deposit and lending products, ATMs, and online banking and bill payment. Hartman has extensive product management, sales and marketing experience. She has a B.S. degree in Accounting from Miami University and an M.B.A from the University of Dayton.
. . . . . . . . . . . . . . . . . . . . .


Adam Smitherman, Associate Director, Consumer Payment Solutions, TSYS

Adam Smitherman is associate director of consumer payment solutions at TSYS, a global payments processor. His responsibilities include product and strategy activities associated with the consumer card issuing business. He also manages the TSYS Consumer Research Studies for both the United States and Canada. Smitherman has experience in the financial services industry, as well as consulting and outsourcing. He holds a bachelor of science degree in business administration from Birmingham-Southern College.

. . . . . . . . . . . . . . . . . . . . .


Karen Webster, CEO of Market Platform Dynamics

Karen Webster is one of the world’s leading experts on payments, commerce and retail innovation and a strategic advisor to CEOs and Boards of multinational players in those sectors. As CEO of Market Platform Dynamics, she works extensively with the most innovative players in the payments, financial services, mobile, retail, B2B, digital media and technology sectors to help them maximize the value of their platform assets, design disruptive new business models and ignite and monetize new innovation. Karen also serves as a member of the advisory board for several emerging companies.



New PYMNTS Report: The CFO’s Guide To Digitizing B2B Payments – August 2020 

The CFO’s Guide To Digitizing B2B Payments, a PYMNTS and Comdata collaboration, examines how companies are updating their AP approaches to protect their cash flows, support their vendors and enable their financial departments to operate remotely.