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

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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 customers. However, digging into the PACE data, it's clear that banks have an opportunity to improve in this area through strategic use of credit card rewards programs.

Credit cards are still the preferred way to pay for common purchases.

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It's critical for banking provider's credit cards to remain top of wallet, especially with younger millennials. More than 40% of customers would use their credit card to cover a large irregular expense, which would generate interest income for banks.

U.S.A Customer - Retail Payments Chart 1

Credit cards add value to the banking relationship.

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U.S.A consumer - Retail Payments Chart 2

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

Primary banking providers are challenged to attract credit card holders business.

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The challenge for banks is improving penetration with their existing customer bases. Currently, only 41% of customers hold a card with their primary banking provider – and just 19% exclusively use their primary banks card.

U.S.A Customer - Retail Payments Chart 3

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