Payment Behavior & Card Usage Panel
Continuous panel tracking how Americans allocate spend across cards, cash, P2P, and merchant apps—with rewards and contactless depth.
Request Sample Report
Overview
The Payment Behavior Panel maintains a rolling cohort of 8,000 adults who complete shorter monthly diaries plus deeper quarterly modules. It powers network and issuer strategies on wallet share, co-brand loyalty, and category rotation.
Methodology
Diary instruments use bounded recall windows to reduce telescoping bias. Category spend shares reconcile to self-reported totals with trimming rules for outliers documented in the codebook.
Deliverables
- Wallet share by payment rail
- Top-of-wallet drivers and rewards redemption behavior
- Contactless and mobile wallet incidence
- Merchant category trends with holiday adjustments
Sample Insights
Grocery contactless penetration exceeded 70% among urban subscribers, while travel spend reallocated to domestic experiences continues to elevate card rewards redemption velocity.
FAQ
Monthly diaries average four minutes; incentives adjust dynamically to protect completion rates above 78%.