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
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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 is a currency.

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Credit unions have many opportunities to improve when it comes to credit card penetration, including using their loyalty programs to improve overall member satisfaction.

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

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It’s critical that credit unions’ cards remain top-of-wallet, especially with younger millennials, to help improve customer loyal and reduce attrition over time.

U.S.A Credit Union - Retail Payments- Chart 1

However, credit unions lag badly in credit card penetration of their member bases.

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U.S.A Credit Union - Retail Payments- Chart 2

Credit unions are missing out on their members’ credit card business. Better than one-third of their members don’t hold a credit card at all. And only 20% of members hold a credit card from their credit union – far below the U.S. average of 38% for all banking providers.

Ushering consumers in credit card loyalty programs may improve satisfaction.

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Credit cards also represent a vehicle for helping consumers achieve their financial goals. Credit unions still fall short of members’ expectations, but those who only use their credit union’s credit card rate their institution more favorably in helping them achieve their aspirations and in rewarding them for their business.

U.S.A Credit Union - Retail Payments- Chart 3

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