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:

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:

FRAUD MANAGEMENT IN ONLINE TRANSACTIONS
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:

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
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:

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:

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:

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:

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:

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:

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:

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:

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:

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 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:

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

Editions:

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:

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:

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:

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:

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:

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

Editions:

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

Editions:

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.

Editions:

EMBEDDED PAYMENTS AND THE RETAIL INNOVATION AGENDA
Retail

Inside The December 2023 Report

  • 30%: Portion of retail ISVs that cite customer experience as the most important innovation driver
  • 19%: Share of retail PayFacs that say systems integration is their biggest innovation hurdle
  • 40%: Portion of retail marketplaces that rate operational enhancement as their top innovation agenda

Editions:

THE RETAIL SUBSCRIPTION FEATURES THAT MAKE TOP-PERFORMING MERCHANTS
Subscription Commerce

Inside The December 2023 Report

  • 100% vs. 20%: Top vs. bottom performers providing pause and skip features, respectively
  • 97% vs. 60%: Top performers vs. bottom in offering online product details, respectively
  • 20% vs. 6.7%: Top vs. bottom performers offering BNPL options, respectively

Editions:

ACQUIRERS’ NAVIGATION OF AN UNCERTAIN INSTALLMENT PLAN LANDSCAPE
BNPL

Inside The December 2023 Report

  • 25%: Portion of firms offering BNPL that cite client retention as a benefit of offering the plans
  • 39%: Share of acquirers with plans to allow clients to offer general-purpose card installment plans to their consumers before the checkout process
  • 68%: Portion of acquirers that think business clients would be highly likely to sell higher-priced items or services if they offered card installment plans to clients before checkout

Editions:

Q4 2023: ECOMMERCE PROTECTS MAIN STREET SMBS’ BOTTOM LINE IN A COOLING MARKET
SMBs

Inside The December 2023 Report

  • 36%: Portion of Main Street SMBs citing expanding customer reach as the most important reason to use online channels
  • 55%: Share of Main Street SMBs that say competitive pressure was an important reason for selling online
  • 45%: Portion of Main Street SMBs that say security issues is challenge firms face when selling online

Editions:

UNEXPECTED EXPENSES AND THE DEMAND FOR EXTERNAL FINANCING SOLUTIONS
Consumer Finance

Inside The December 2023 Report

  • 81%: Portion of credit-marginalized consumers who faced unexpected costs in the past year also experienced further credit issues as a result
  • 7%: Share of consumers who use BNPL to pay for unexpected expenses
  • 30%: Portion of consumers who had their credit scores decline because of facing unexpected expenses

Editions:

THE CREDIT CARD USE DEEP DIVE EDITION
Consumer Finance

Inside The December 2023 Report

  • 57%: Share of credit cards owned by consumers living paycheck to paycheck
  • 62%: Portion of consumers who lived paycheck to paycheck as of November 2023
  • 40%: Share of consumers living paycheck to paycheck with super-prime credit scores

Editions:

HOW INSTANT AD HOC PAYMENTS DRIVE SMB SUCCESS
Money Mobility

Inside The December 2023 Report

  • 43%: Share of SMBs citing improved cash flow management as the most important reason they choose instant payments
  • 32%: Share of SMBs that primarily use manual procedures to process ad hoc payments
  • 66%: Portion of SMB receivers willing to continue to do business with a company that offers free instant payments

Editions:

CONSUMER FAMILIARITY CONTROLS ACCOUNT-TO-ACCOUNT PAYMENT GROWTH
News

Inside The December 2023 Report

  • 34%: Portion of consumers who would like cash back incentives when using A2A payments
  • 33%: Share of consumers who would like discounts on purchases when using A2A payments
  • 36%: Portion of consumers reporting they do not use A2A payments because they do not know how A2A payments work

Editions:

2023-2024 GROWTH CORPORATES WORKING CAPITAL INDEX: NORTH AMERICAN EDITION
VISA

Inside The December 2023 Report

  • 25%: Share of top-performing North American Growth Corporates that plan to use virtual cards most in the next 12 months
  • 11%: Share of North American Growth Corporates that used third-party revolving credit facility in the last 12 months, highest among all regions covered in the survey
  • 25%: Share of top-performing North American Growth Corporates that accessed financing solutions to cover expected cash flow shortfalls

Editions:

RENTERS AND REFUNDS
Money Mobility

Inside The December 2023 Report

  • 2%: Portion of consumers who received rent-related refunds in the last year
  • 19%: Share of consumers who received most rent-related refunds via instant transfer to their bank account
  • 72%: Portion of consumers highly satisfied when using digital payment methods to receive rent-related refunds

Editions:

FINANCIAL INSTITUTIONS REVAMPING TECHNOLOGIES TO FIGHT FINANCIAL CRIMES
Fraud Prevention

Inside The December 2023 Report

  • 90%: Portion of FIs that use fraud prevention APIs
  • 29%: Share of FIs that rely entirely on third parties to provide AI and ML solutions
  • 30%: Portion of FIs that say customer needs are an influential factor when considering third-party solution providers

Editions:

Page 1 of 16
1 2 3 4 16