The 2017 PACE Report provides meaningful, actionable insights for becoming and remaining your customers' first choice in financial institutions.

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  • U.S. Small-Midsize Business
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Each report reflects country-specific research to provide better insight into what local consumers want. Choose your country of interest:


For the US market, we have created three meaningful, actionable reports for becoming and remaining the first choice for your customers' financial services. Please select the relevant report below.


Top of Phone

Mobile payment options are now essential to all consumers.

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In today’s digital world, top of phone is fast replacing top of wallet for Australian consumers, especially millennials but also for Gen Xers and baby boomers. This can be seen in the increasing importance of digital payments.

Millennials are driving digital payments.

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Mobile payments have gained the most traction among young millennials, with senior millennial rates catching up. Online shopping and paying utility bills are the most common uses, but P2P payments are catching on.

Australia - Top of Phone - Chart 1

However, older generations are catching on quickly.

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Australia - Top of Phone - Chart 2

Digital payment options have risen in terms of importance, year over year, for all Australian age segments — most dramatically for young millennials and, interestingly, baby boomers. This is a trend that is distinct to the Australian market.

Millennials are embracing their bank’s app for making P2P payments.

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Another trend specific to Australia is the popularity of the primary bank’s mobile app for making P2P payments, especially with millennials. Elsewhere, outside apps are used just as much, if not more, than the primary bank’s app. That’s not the case in Australia, where the major banks have a dominant position in the market.

Australia - Top of Phone - Chart 3

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