North American PaymentsInsights

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    This Report is available to members of Mercator Advisory Group’s North American PaymentsInsights Service. Please be advised that this Report is normally part of a research and advisory service that provides ongoing support throughout the year. As such, this Report contains significant depth of content that is selected for its strategic importance to our members.

    While the Report represents significant analyst time invested, there is no means of our ascertaining if it will fully meet your specific intended purposes. Typically, these Reports form the basis for future discussions with our clients where we are able to fine-tune additional information that we have gathered in the construction of the series of Reports (or locate new information rapidly due to our exclusive focus on gathering information in the payments industry) for specific member needs.

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2021 U.S. North American PaymentsInsights: Subscriptions, Bill Pay, and Consumer Fraud Experience

Mercator Advisory Group’s latest 2021 North American PaymentsInsights report provides an overview of key trends in subscriptions, bill pay, and fraud, as they relate to the payments ecosystem.

You must be subscribed to Mercator's North American PaymentsInsights service to download this Report

Mercator Advisory Group has released a new primary research report titled 2021 U.S. North American PaymentsInsights: Subscriptions, Bill Pay, and Consumer Fraud Experience, summarizing findings from the North American PaymentsInsights survey of 3,001 U.S-based adults. The report aims to highlight the key findings from the survey as they relate to consumer experience with subscriptions, bill pay, and fraud. The report brings together various aspects of how U.S. consumers interact with the payments ecosystem to pay for subscriptions and recurring bills, as well as their experiences with fraud in the past year. The report highlights consumers’ experience and attitudes towards various fraud events, which have seen increased relevance with the radical expansion of card-not-present transactions during the pandemic. Readers are presented with summary findings regarding consumer behaviors and inclinations, as they vary across different demographic cohorts of consumers.

“The accelerated expansion of online shopping and the associated rise in card-not-present transactions during the pandemic has led to an increased incidence of fraud events. This makes it vital for card networks, issuers, financial institutions, merchants, and other players in the payments space to update their fraud prevention solutions to maintain consumer confidence in the safety of their products.” - Amy Dunckelmann, Vice President, Research Operations, Mercator Advisory Group.

Highlights of this document include:

• Subscriptions to news and magazines as well as software services had the highest share of consumers paying with credit cards, compared to all other subscription types, 55% and 48% respectively.

• High-income respondents were more likely to pay their bills via automatic deductions from credit or debit card.

• 90% of consumers who pay bills believe that their bills should reach the biller within a single business day.

• Young consumers are more likely to experience fraud of all types, with 46% of 18-34 year-olds reporting to have experienced fraud in the past 12 months.

• Most respondents contacted their bank following a fraud incident involving a P2P money transfer service, with less than half contacting the service in question.