NEW REALITY CHECK: THE PAYCHECK-TO-PAYCHECK REPORT: THE FINANCIAL GOALS EDITION
Consumer Finance

Inside The December 2022 Report

  • 42%: Share of consumers who were living paycheck to paycheck without issues paying their bills in November
  • 31%: Portion of paycheck-to-paycheck consumers with issues paying their monthly bills who say paying off debt is their most important short-term financial goal
  • 22%: Share of millennials who are not saving money and have no pre-existing savings

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CROSS-BORDER PAYMENTS FOR DIGITAL-NATIVE COMPANIES: MANAGING INNOVATION TO ACCELERATE GROWTH
Cross-border Payments

Inside The December 2022 Report

  • INNOVATION: Features that enable multicurrency pricing for goods and services can bolster scalable growth
  • BANKING: International growth requires banking solutions that offer frictionless, efficient payment management tools
  • REGIONAL TARGETING: Cross-border growth strategies should be tailored to match each region and commercial audience

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A GUIDE FOR ENTREPRENEURS AND DIGITAL BUSINESSES
Cross Border Commerce

Inside The December 2022 Report

  • 23%: Share of small businesses that find their current cross-border payment solutions very or extremely satisfactory
  • 38%: Portion of SMBs that reported an increase in cross-border payments sent or received between 2020 and 2021
  • 83%: Share of Brazilian freelancers who have started offering or plan to offer services to new countries

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ACCOUNTS PAYABLE AUTOMATION: TRANSPORTATION COMPANIES INNOVATE TO DRIVE GROWTH
Accounts Payable

Inside The December 2022 Report

  • 55%: Share of transportation companies that see innovating AP platforms as an important goal
  • 51%: Portion of transportation companies highly satisfied with their AP platforms
  • 61%: Share of transportation companies with automated AP processes that are highly satisfied with those platforms

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MAIN STREET HEALTH Q4 2022: SMBS BRACE FOR A RECESSION
SMBs

Inside The December 2022 Report

  • 11%: Portion of SMBs that lowered costs to combat inflation’s effects
  • 55%: Share of SMBs selling mainly online that expect 2022 revenues to increase
  • 38%: Portion of professional services firms that say they are concerned about the uncertain economic landscape

GLOBAL RISK MANAGEMENT: AN INNOVATOR'S GUIDE
Banking

Inside The December 2022 Report

  • Capture: Create or access a system to monitor all transaction data for noncompliance risks
  • Analyze: Create or access a tool that monitors for potential noncompliance issues
  • Distribute: Ensure that compliance-related insights inform payments strategy decisions

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CONSUMERS SEE UNIFIED PLATFORMS AS KEY TO BETTER HEALTH
Healthcare

Inside The December 2022 Report

  • 50%: Portion of urban consumers who are highly interested in using a unified healthcare platform
  • 42%: Share of rural consumers who are highly interested in using a unified healthcare platform
  • 18%: Portion of consumers who say having to use multiple digital platforms is their biggest problem when accessing medical services

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HOLIDAY SHOPPING 2022: DEAL OR NO DEAL
Shopping

Inside The December 2022 Report

  • 25%: Share of low-income consumers planning to skip holiday shopping this year
  • 50%: Share of holiday shoppers spending less this year because they have less disposable income
  • 98M: Number of consumers planning to finance holiday purchases

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IN IT FOR THE LONG HAUL
Consumer Finance

Inside The December 2022 Report

  • 72%: Share of consumers who are very or extremely worried about the U.S. economic situation
  • 4%: Portion of baby boomers and seniors who believe the economy will stabilize within the next six months
  • 24%: Share of baby boomers and seniors who believe the economy will take more than two years to stabilize

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THE NEW PAYMENTS STRATEGY EVOLUTION
Retail

Inside The December 2022 Report

  • 52%: Share of U.S. retailers that accept or plan to accept real-time payments in the next three years
  • 56%: Portion of U.K. retailers that accept real-time payments or have plans to adopt the feature in the next three years.
  • 43%: Share of U.K. retailers that plan to improve or add real-time payments in the next three years

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THE EMERGING APAC OPPORTUNITY: LOCAL PAYMENT METHODS
Cross Border Commerce

Inside The December 2022 Report

  • 40%: Share of international eTailers planning APAC expansion in the next three years
  • 33%: Portion of merchants that believe lackluster localization is exacerbating cart abandonment rates
  • 13%: Share of international eTailers accepting local APAC wallets

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THE GENDER DIVIDE
Connected Economy

Inside The November 2022 Report

  • 67M: Number of men who recently placed online restaurant orders online
  • 55%: Share of women with children who order groceries via same-day delivery
  • 28%: Portion of women who recently ordered groceries online via same-day delivery app

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IMPROVING FINANCIAL PERFORMANCE: THE SPEED OF SPEND MANAGEMENT SYSTEM ADOPTION
Accounts Payable

Inside The November 2022 Report

  • 76%: Share of project management SaaS firms that report their AP teams can learn and start using new software in two weeks
  • 90%: Share of SaaS firm’s with 100 to 500 employees that need up to one month to integrate new software into an existing AP system
  • 80%: Share of content management system firms without an automated non-payroll spend management system that are highly interested in using one

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WHY CONSUMERS ARE TRYING DIGITAL WALLETS
Payments Innovation

Inside The November 2022 Report

  • 56%: Portion of consumers annually earning more than $100K who used a new-to-them payment method in the last year
  • 48%: Share of consumers who say ease of use is important in their decision to use a new payment method
  • 39%: Share of consumers who adopted a new payment method in the past year and say merchant acceptance is an important factor in their choice

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BLACK FRIDAY 2022: HIGH PRICES RESHAPE HOLIDAY SHOPPING HABITS
Shopping

Inside The November 2022 Report

  • 56M: Number of consumers opting out of holiday shopping entirely in 2022
  • 50%: Share of Black Friday purchases consumers financed using credit, loans or BNPL
  • 25%: Portion of Black Friday shoppers who shopped both online and in-store

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THE 2022 RESTAURANT DIGITAL DIVIDE: TURNING FIRST-TIME DINERS INTO LOYAL CUSTOMERS
Restaurant innovation

Inside The November 2022 Report

  • 40%: Share of customers who tried a restaurant for the first time in late September/early October who dined at an independently owned, table-service eatery
  • 52%: Portion of diners who ate at just one restaurant for the first time in late September/early October and chose an independently owned eatery with table service
  • 34%: Share of consumers who try new places several times each month and choose independent restaurants with table service

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CONNECTED WELLNESS: TRACKING THE RISE OF HEALTH-TRACKING TECHNOLOGY
Healthcare

Inside The November 2022 Report

  • 50M: Number of U.S. consumers who own an Apple Watch
  • 63%: Share of urban consumers using health-tracking devices or apps
  • 10%: Portion of consumers who use health-monitoring apps monthly

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THE POWER OF OPEN-LOOP P2P PAYMENTS
Money Mobility

Inside The November 2022 Report

  • What is a closed-loop system? A closed-loop system requires the sender and recipient to use the same payment platform.
  • What is an open-loop system? An open-loop system allows the sender and receiver to exchange funds across all systems.
  • Key open-loop benefits: Open-loop systems offer user-defined choice, frictionless delivery, and regulatory compliance.

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THE FINTECH FRAUD RIPPLE EFFECT
Money Mobility

Inside The November 2022 Report

  • 47%: Share of FinTechs that consider fraud to be their most pressing challenge
  • 74%: Portion of FinTechs saying that their lack of payment options adds friction to the user experience
  • 49%: Share of FinTechs that offer instant payments to digital wallets

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IMPROVING FINANCIAL PERFORMANCE: CHALLENGES DRIVING SPEND MANAGEMENT SYSTEM ADOPTION
Accounts Payable

Inside The November 2022 Report

  • 40%: Share of firms without a spend management system have experienced difficulties accessing real-time data
  • 32%: Share of all SaaS firms that cite lost expense receipts as a key challenge
  • 62%: Share of firms facing difficulties around lost expense receipts that are interested in using a spend management system and very or extremely willing to pay for one

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NEW REALITY CHECK: THE PAYCHECK-TO-PAYCHECK REPORT: THE HOLIDAY SHOPPING EDITION
Consumer Finance

Inside The November 2022 Report

  • 40%: Share of consumers not living paycheck to paycheck in October
  • 42%: Average share of purchases bridge millennials, millennials and Gen Z consumers plan to finance this holiday season
  • 87%: Share of consumers who prefer to use credit cards for their 2022 holiday shopping and pay the balance off over time

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SUBSCRIPTION COMMERCE CONVERSION INDEX: SUBSCRIBERS SEEK AFFORDABILITY AND CONVENIENCE
Subscription Commerce

Inside The November 2022 Report

  • 76%: Share of subscribers very or extremely likely to cancel a subscription who will do so based on savings offered by subscription over outright purchase
  • 90%: Portion of consumers very or extremely likely to add a subscription who see free-to-subscribe plans as important to their choice
  • 34%: Share of consumers canceling subscriptions due to a desire to reduce expenses

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MAIN STREET INDEX Q3 2022: THE POST-PANDEMIC STATE OF PLAY FOR MAIN STREET BUSINESSES
SMBs

Inside The November 2022 Report

  • 13%: Growth among Main Street professional services SMBs from Q4 2019
  • 9%: Increase in wages from Q4 2019 to Q3 2022
  • 35%: The annualized rate of economic activity contraction experienced by Main Street SMBs in Q2 2020

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DIGITIZATION STRATEGIES: HOW CFOS ARE PRIORITIZING DIGITAL PAYMENTS TO MAXIMIZE EFFICIENCY
Digital Payments

Inside The November 2022 Report

  • 48%: Portion of companies that invested in fraud prevention and risk management applications to help maintain business operations amid the pandemic
  • 44%: Share of companies that abandoned the investments in working capital and credit digital solutions they made to continue operating during the pandemic’s early stages
  • 80%: Portion of CFOs say inflation is influencing their expectation that a recession is imminent

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THE ONE-STOP BILL PAY REPORT: BEYOND THE BILLING STATUS QUO
Consumer Payments

Inside The November 2022 Report

  • 57%: Share of bill-payers at least somewhat interested in switching to a one-stop bill pay solution
  • 33%: Portion of bill-payers very or extremely interested in swapping their current payment channels for a one-stop solution
  • 54%: Share of bill-payers who cite simplified bill tracking as a reason for their interest in a one-stop bill payment solution

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HOW WE PAY DIGITALLY: STORED CREDENTIALS EDITION
Digital Payments

Inside The November 2022 Report

  • 52%: Share of online consumers who made an online purchase in the last 30 days and used stored debit card credentials to pay
  • 60%: Portion of online consumers who store payment information on merchants’ websites and apps
  • 46%: Share of online customers who use browsers to store and populate payment credentials

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CONSUMER INFLATION SENTIMENT: INFLATION'S LONG CONSUMER SPENDING SHADOW
Consumer Finance

Inside The November 2022 Report

  • 68%: Share of Gen X consumers who believe the U.S. is likely to enter a recession
  • 45%: Share of Americans who say difficulty paying bills has soured their outlook on the future
  • 88%: Share of rural Americans who have noticed an increase in gas prices

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MEETING THE DEMAND FOR CROSS-BORDER HIRING: CHALLENGES IN INTERNATIONAL WORKFORCE PAYMENT AND MANAGEMENT
Payroll

Inside The November 2022 Report

  • 18%: Share of firms facing three challenges paying international workers that are highly interested in innovating cross-border payment methods
  • 20%: Share of U.S. and U.K. firms surveyed that have not experienced challenges in paying overseas workers
  • 25%: Share of organizations facing four or five challenges when managing or paying international workers that have increased the share of such workers in the last year

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IMPROVING FINANCIAL PERFORMANCE: TAKING ADVANTAGE OF EARLY PAYMENTS DISCOUNTS
Accounts Payable

Inside The November 2022 Report

  • 27%: Share of firms already using a spend management system that have been offered early payment discounts for more than 10% of their payments to suppliers in the last 12 months all the time
  • 38%: Share of large firms that have taken advantage of all early payment discounts offered by suppliers in the last 12 months all the time
  • 47%: Share of firms that do not use a spend management system that experienced errors in processing for more than 10% of payments

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THE DIGITAL WALLET MANDATE: SECURE BILL PAY BEYOND THE IN-STORE POINT OF SALE
Mobile Wallets

Inside The November 2022 Report

  • 46%: Share of mobile wallet users who use them to make P2P payments
  • 32%: Portion of consumers who use mobile wallets to pay bills who cite security as the reason
  • 76%: Share of consumers who use mobile wallets to pay bills who cite speed and convenience as the reason

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NEW WAYS TO PAY: ALIGNING CONSUMER AND MERCHANT PAYMENTS PREFERENCES
Payments Innovation

Inside The November 2022 Report

  • 26%: Share of consumers who are reluctant to use online bank transfers due to lack of a rewards program
  • 21%: Portion of consumers who know what online bank transfers are but have not used them
  • 39%: Share of consumers who avoid using online bank transfers due to security concerns

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THE RISE OF MOBILE ECOMMERCE
Consumer Finance

Inside The November 2022 Report

  • 5.4%: Share of groceries purchased from consumers’ computers
  • 9.8%: Portion of groceries purchased with mobile devices
  • 70%: Share of non-grocery items purchased at the store

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THE WHO'S WHO OF THE DIGITAL SOCIAL SCENE
Connected Economy

Inside The October 2022 Report

  • 27%: Share of consumers chatting online via messaging apps every day
  • 55%: How much likelier women are than men to browse social media every day
  • 54%: Share of consumers living paycheck to paycheck with issues paying monthly bills who socialize online

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THE BATTLE FOR CONSUMER RETAIL SPEND: AMAZON VERSUS WALMART Q2 2022: THE DISCRETIONARY SPEND PLAY
Retail

Inside The October 2022 Report

  • 10%: Amazon’s share of furniture and home furnishings sales, besting Walmart’s
  • 8%: Walmart’s portion of health and personal care sales, surpassing Amazon’s
  • 2%: Amazon’s share of clothing and apparel sales, exceeding Walmart’s

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CONNECTED WELLNESS: THE NEXT PRESCRIPTION FOR HEALTHCARE PROVIDERS — DIGITAL WALLETS
Healthcare

Inside The October 2022 Report

  • 62%: Share of consumers who used a debit or credit card to pay for their most recent in-person healthcare expense
  • 13%: Share of consumers who made their latest healthcare payment via PayPal
  • 11%: Portion of consumers who made their latest online healthcare payment via Apple Pay, Samsung Pay or Google Pay

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THE 2022 RESTAURANT DIGITAL DIVIDE: RESTAURANT APPS AND WEBSITES IN THE SPOTLIGHT
Restaurant innovation

Inside The October 2022 Report

  • 19%: Share of frequent dine-in customers who said they are in a hurry when purchasing restaurant meals
  • 56%: Share of frequent aggregator users who said quick turnaround on meal orders drives their engagement with that channel
  • 5%: Share of diners mostly ordering restaurant meals for pickup who use aggregators for most of their restaurant purchases

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IMPROVING FINANCIAL PERFORMANCE: HOW SAAS FIRMS MANAGE NON-PAYROLL SPEND
Accounts Payable

Inside The October 2022 Report

  • 30%: Share of content management systems (CMS) firms very or extremely interested in using an automated system to manage non-payroll spending
  • 80%: Share of customer relationship management (CRM) firms that lack full visibility before committing spend
  • 14%: Average share of web hosting firms’ supplier/vendor payments that required adjusting in the last 12 months

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NEW REALITY CHECK: THE PAYCHECK-TO-PAYCHECK REPORT: THE EMPLOYMENT EDITION
Consumer Finance

Inside The October 2022 Report

  • 37%: Share of paycheck-to-paycheck consumers with issues paying their monthly bills who earn at least 75% of their household income
  • 61%: Share of paycheck-to-paycheck consumers living without difficulty who are concerned about economic conditions
  • 38%: Share of Generation Z consumers who believe they are unlikely to find a new job in the next three months that would fit their qualifications and wage demands

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PAYMENTS SECURITY AMID UNCERTAINTY: FIGHTING FRAUD AND CRIME WITH DIGITAL INNOVATION
Fraud Prevention

Inside The October 2022 Report

  • DATA INSECURITY: Fraud can originate from inside an organization as easily as from outside, so companies must prepare for both.
  • AML AND CFT: Bad actors committing payments fraud could also cause AML and CFT violations.
  • NEW VERSUS OLD: Organizations that rely exclusively on legacy processes and tools may find themselves vulnerable to modern fraud attacks.

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SHOPPING WITH CRYPTOCURRENCY: TECH-DRIVEN CONSUMERS DRIVE MARKET ACCEPTANCE
Cryptocurrency

Inside The October 2022 Report

  • 42% of tech-driven consumers buy cryptocurrency for investment purposes
  • 33% of tech-driven consumers buy cryptocurrency to use it for shopping
  • 20% of tech-driven consumers buy cryptocurrency to avoid missing out

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SUPER APPS FOR THE SUPER CONNECTED
Technology

Inside The October 2022 Report

  • 42%: Share of “connected-tech” consumers who are millennials
  • 40%: Share of millennial respondents who reported being very or extremely interested in a super app
  • 76%: Share of surveyed millenni­als who recently bought groceries online

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APPLE PAY AT 8: CONNECTED-TECH CONSUMERS LEAD THE WAY
Mobile Wallets

Inside The October 2022 Report

  • $109.94: Average spend by connected-tech consumers who check out with a mobile wallet
  • 9%: Share of connected-tech consumers’ in-person transactions paid via mobile wallet
  • 71%: Share of connected-tech consumers who used mobile wallets at least once for in-store checkout in the past 30 days

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THE CORPORATE TREASURER’S GUIDE TO INNOVATION: LAUNCHING A SCALABLE CROSS-BORDER BUSINESS GROWTH STRATEGY
Banking

Inside The October 2022 Report

  • CLEARING ACROSS BORDERS: As organizations scale, operations abroad should proceed as seamlessly as those in-country; modern clearing banks can help.
  • INFRASTRUCTURE: Connection to a robust banking infrastructure that ensures rapid settlement and global compliance allows organizations to scale operations easily
  • INTEGRATION: The ability to integrate new global payments solution technology with existing ERP platforms is vital.

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THE EMERGING APAC OPPORTUNITY: MAPPING INTERNATIONAL EXPANSION EDITION
Cross Border Commerce

Inside The October 2022 Report

  • 39%: Share of U.S., U.K. and Canadian SMBs selling or planning to sell to APAC customers in the next year
  • 40%: Portion of marketplace eTailers prioritizing expansion in South Asia and Oceania
  • 67%: Share of U.S. retailers expecting APAC sales to increase in the next three years

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CONSUMERS BUCKLE DOWN ON BELT-TIGHTENING
Consumer Finance

Inside The October 2022 Report

  • 89M: Number of consumers who have tightened their belts to prepare for a recession
  • 45%: Share of consumers buying lower quality products to save money
  • $237M: Additional amount consumers collectively spent on healthcare than in Q1

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DISBURSEMENTS SATISFACTION SERIES: THE ROLE OF FINTECHS
Disbursements

Inside The October 2022 Report

  • 17%: Share of consumers who use FinTechs as their primary FIs
  • 7: Number of services that primary FinTech customers access
  • 53%: Share of consumers using FinTechs as primary FIs who would pay extra for instant disbursements

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ACCOUNTS PAYABLE AUTOMATION: WHY GIG ECONOMY COMPANIES SEE PAYABLES AS KEY TO SUCCESS
Accounts Payable

Inside The October 2022 Report

  • 78%: Portion of gig economy companies that identify inefficient communications with vendors as a key challenge and say it is highly important to automate their AP systems to increase their processing capacity
  • 83%: Share of gig economy businesses unable to make payments in vendor-preferred currencies that say automating AP systems is highly important for their business model
  • 56%: Portion of companies having issues onboarding new vendors that say it is just slightly or somewhat important to have automated AP platforms to increase the volume of payables they process

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SUPER APPS FOR THE SUPER CONNECTED
Technology

Inside The October 2022 Report

  • 96M: Projected number of consumers across the U.S., the U.K., Australia and Germany who want to use a super app
  • 2: Average number of digital activities in which consumers engage monthly
  • 9: Average number of digital activities in which millennials engage monthly

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TAPPING INTO THE BENEFITS OF ITEM-LEVEL RECEIPT DATA
Innovation

Inside The October 2022 Report

  • 55%: Share of FinTechs generating more than $500 million in annual revenue that utilize receipt data for most or all of their operations
  • 41%: Share of banks and FinTechs that are very or extremely interested in using receipt data to mitigate fraud
  • 78%: Share of firms highly interested in using receipt data to manage loyalty and shopping offerings that believe consumers would switch to institutions that provide solutions that use receipt data

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MANAGING HEALTHCARE COSTS: HOW PATIENTS USE PAYMENT PLANS
Healthcare Financing

Inside The October 2022 Report

  • 19%: Share of paycheck-to-paycheck consumers with issues paying bills who set up a payment plan and are very or extremely likely to switch healthcare providers for a better payments experience
  • 28%: Portion of baby boomers and seniors who paid for their most recent visit with a payment plan after receiving an unexpected bill
  • 10%: Share of Generation Z consumers with issues paying their bills who used a payment plan to pay for their most recent doctor’s visit

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