Insights & Innovation

Survey July 31, 2025

Quicktake: Shoppers approach back-to-school spending with caution

Inflation and potential tariffs sound like nails on a chalkboard to shoppers …

Inflation and potential tariffs sound like nails on a chalkboard to shoppers While students likely aren’t looking forward to heading back to class, back-to-school/college (BTS/BTC) shoppers don’t seem to be excited…

July 31, 2025

Report July 25, 2025

Tending to customer loyalty: How to nurture your rewards program for long-term growth

The retail space is crowded with loyalty programs—from basic multi-tender…

The retail space is crowded with loyalty programs—from basic multi-tender setups to premium tiers for proprietary cardholders. At their best, these programs do more than offer perks like discounts and free shipping—they…

July 25, 2025

Survey July 17, 2025

Mid-year update: The State of the American Shopper

Shoppers are continuing to show resiliency​ Tariff concerns and persistent…

Shoppers are continuing to show resiliency​ Tariff concerns and persistent inflation have taken a significant toll on consumers, sapping savings and reducing their purchasing power. Despite the squeeze, the consumer…

July 17, 2025

Survey July 1, 2025

Quicktake: Pay over time has fans across all generations

Buy now, pay later/pay-over-time products have become an important tool to both…

Buy now, pay later/pay-over-time products have become an important tool to both consumers and retailers: during any given month, an average of one in four consumers will use BNPL/pay over time to pay for an everyday…

July 1, 2025

Financial Innovation June 17, 2025

Quicktake: Gen Z is leading the way in summer travel plans

Gen Z leads the way in summer vacation plans With the summer travel season…

Gen Z leads the way in summer vacation plans With the summer travel season kicking off, consumers are packing their bags and looking forward to another vacation: 80% of this year’s summer travelers took a summer…

June 17, 2025