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Blog

What’s in Your Wallet? How Do Your Payments Choices Compare with the Average Person?

5/15/2019

 

The average American has access to a variety of payments tools, but which ones get use the most? To understand the payments market, the Federal Reserve conducts a number of studies to learn what choices Americans are making and why.

To learn more about this research, in this episode of the Innovative Payments Association Podcast, we talk with Jessica Washington, Payments Risk Expert at the Federal Reserve Bank of Atlanta. Jessica gives us a recap of her presentation from this year’s IPA conference. She talks about what payments consumers are using, delves into fraud data, and describes what’s in an average wallet.

The information in the podcast is drawn primarily from three studies: the Federal Reserve Payments Study, the Survey of Consumer Payments Choice, and the Diary of Consumer Payments Choice. You can also find more information on payments and payments risk at the Atlanta Fed’s site: https://www.takeonpayments.frbatlanta.org.

These studies are worth reviewing for anyone who wants to understand their customers. The big picture of American payments is a complicated one, and learning what is happening can help companies evaluate their strategies and their competitors.


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