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
  • U.S. Community Consumer
  • U.S. Credit Union
  • United Kingdom
  • Germany
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  • Brazil
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Country Reports

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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

Credit card penetration is very low and presents an opportunity for banks.

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German banks have a significant opportunity in helping consumers to migrate from cash to plastic and from plastic to virtual cards.


Just 26% of consumers currently have a credit card.

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According to the 2017 PACE survey, nearly three-quarters of German consumers do not currently have a credit card. Of those who do have a credit card, the primary banking providers are getting the largest share of accounts.

Germany - Retail Payments - Chart 1

Millennials are the most attractive targets for credit card offers.

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Germany - Retail Payments - Chart 2

German banks have the most room for improvement around credit card penetration with millennials. According to the 2017 PACE survey, 83% of senior millennials (age 26 – 36) have no credit cards.

Credit card loyalty programs may improve customer satisfaction.

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Not being recognised and rewarded for their business is a common complaint among consumers everywhere, including Germany. However, consumers who use their primary bank’s credit card exclusively have less negative views around Recognition and Aspirations KPIs.

Germany - Retail Payments - Chart 3

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