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
  • U.S. Consumer
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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.


Retail Payments

Loyalty as a currency.

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Not being recognized and rewarded for their business is a common complaint among Canadian consumers. However, banks may have an opportunity to improve in this area through strategic use of credit card rewards.

Banks have achieved good credit card penetration in Canada.

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Less than a quarter of Canadians don’t have a credit card, highlighting primary banks’ success in penetrating their customer bases with credit card offers.

Canada - Retail Payments - Chart 1

There is most opportunity to improve credit card exclusivity with older generations.

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Canada - Retail Payments - Chart 2

PACE data on Canadians who only have a credit card with their primary financial institution implies that banks have the most opportunity to maintain their exclusive status with millennials (ages 18 – 36).

Credit card loyalty programs add value to the banking relationship.

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According to PACE data, gaps for Rewards decline among the credit card holders who have a card exclusively with their primary financial institution. Banks may be able to improve perceptions among their customers by expanding their rewards and loyalty programs.

Canada - Retail Payments - Chart 3

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