Consumer Finance

As in so many cases, perhaps the biggest story for store cards in the US in 2023 has been the twin forces of high inflation and high interest rates. While inflation has crept down over the course of 2023 in the US, the price increases that have…

There were no store cards with “pay later” options available in Turkey at the end of the review period. All cards issued by retailers are closed loop pre-paid cards that enable payment in specific retail outlets. Over the forecast period, prospects…

Store cards have a negligible presence in Vietnam with there being little interest or awareness of these card products. Furthermore, the government strictly controls the supply of credit in Vietnam which makes it a complicated and lengthy process to…

The importance of customer loyalty has grown in a time of disruption and rising uncertainty. A central place is taken by consumer-centric strategies, retention efforts and the need to provide added value to loyalty scheme members. One-size-fits all…

Celebrations are moving away from foodservice and festivals and back into homes. This creates opportunities for experiential foods in retail. Consumers have more time than before the pandemic, and many have started cooking, creating opportunities in…

As consumers prepare fewer meals overall, while demanding more assistance for the ones they do, spending and brand equity will accrue to those companies providing fresh prepared meals on demand, from delivery aggregators to retailers, restaurant…

Hospitality companies have experimented with many new types of loyalty schemes since the pandemic began. In the Americas, subscriptions have become an especially popular option. Subscriptions is a fast-growing segment for hospitality loyalty, with…

The COVID-19 pandemic has altered the traditional consumer finance and payment landscape in a short period of time, and, given its scale, the impact is likely to remain for some time. Card networks, issuers and fintech face a variety of opportunities…

Coronavirus (COVID-19) has shaken up consumer goods and service industries in the Middle East, putting pressure on supply chains and depressing sales as lockdowns and job losses squeeze discretionary spending. Essential items such as packaged food,…

The Coronavirus (COVID-19) crisis has led to a major structural change towards a complete digitalisation of operational structures of lifestyle brands, which in turn has reset the importance of customer experiences, building trust and strong…

As the COVID-19 pandemic drives seismic shifts across consumer markets, the key question facing business strategists is which of these changes are more reactionary in nature versus signalling the start of a long-term behavioural shift. This briefing…

The next billion consumers represent new growth opportunities worth trillions of dollars in consumer spending across the globe. However, the next billion consumers are not a monolithic cohort, as they vary hugely from market to market. In order to…

In a time of uncertainty, brands must ensure that the value proposition provided by their loyalty schemes is firmly aligned with customer needs, priorities and expectations, continuously refined and adapted to withstand disruption and changing market…

This report identifies the 10 global consumer trends expected to impact during 2021, providing specific characteristics and how the trend manifests, consumer behaviour and motivation driving the trend, as well as insights on how industry is…

Now in its seventh edition, this report explores the top digital shopper trends that will redefine commerce the most in the year ahead. Some of the trends included in this edition touch on topics such as second-hand shopping, community group buying,…

Technological advances in 2024 will continue to reshape consumer behaviour. This annual report explores the top five digital shopper trends that will redefine commerce the most in the year ahead. Some of the trends included in this report’s edition…

The Travel Quarterly Statement for Q2 2022 shows a mixed picture for global travel and tourism. On the one hand, there is immense consumer demand as more travel restrictions ease, so much so that supply cannot match it due to challenges such as…

Buy now, pay later (BNPL) lending has rapidly become one of the more popular lending formats in recent years. Instalment billing is growing, with a variety of formats, players and industries. Payments players have been quick to jump on the bandwagon,…

Consumer Types can be a powerful tool to help companies better understand and appeal to their target markets. Consumers are grouped based on shared traits and preferences, companies can better develop products and marketing campaigns that resonate…

Although UnionPay is the largest card operator globally by card payment value, it is still far behind Visa and Mastercard outside China across all card segments. Besides commercial cards, its mobile app and QR, in which it has been expanding,…