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Chart of the Month: Uncovering New Dynamics in Global Commuting Habits
Paula Ferolla
As more employees are returning to the office in a post-Covid work environment, commuting preferences and challenges have again come into the spotlight. Although cars and motorcycles continue to be the most popular modes of commute, many consumers across geographies are looking for alternatives to vehicle ownership, driven by a desire for affordability and improved quality of life.
Embedded Finance Powered Transformation Across Travel – Airlines, Surface Travel, Attractions and Wellness
David Zhang
Financial experience impacts overall customer satisfaction across travel verticals. While prior analysis discussed intermediaries, lodging, shopping, food and dining, this article focuses on airlines, surface travel modes, attractions and wellness.
Navigating the Evolving Credit Card Loyalty Landscape
Ryan Tuttle
The 2020s have been a time of tremendous growth for personal credit cards around the world as large swathes of businesses improved acceptance in the wake of pandemic-era turbulence. Rewards and loyalty programmes remain an important element of the competitive landscape for credit cards across various markets.
The Government Role in Real-Time Payments in Latin America
Victor Cardoso
Consumer payment preferences in Latin America have shifted significantly since 2019, with electronic transfers challenging cash and card usage. Real-time payments (RTPs), which enable instant electronic transfers from different bank accounts, have emerged, reducing fees and increasing accessibility to new digital payment methods for both consumers and merchants in the region.
Growth Opportunities for Chinese Coffee Shops
Jin Liu
Amid fierce competition and a price war in China’s coffee shops, product innovation and differentiation are the key to standing out. China's coffee culture is thriving, transforming coffee into a daily routine for many consumers. Coffee shops have expanded rapidly into lower-tier cities, fuelled by chain expansions, leading to fierce price competition.
Digital Dining: The FinTech Revolution in Global Foodservice Industry
David Zhang
Over 2018-2023, the consumer foodservice industry has grappled with the challenge of eroding profit margins and the need to improve the customer journey experience. Nevertheless, fintech presents transformational opportunities. It not only enhances customer journey satisfaction through payment digitalisation, but also accelerates digital transformation of operations.