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DIGITAL

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TRENDSDigitalpaymenttypesintheUnitedStatesCHAPTER

01MarketshareShareofcashestimateatpointofsale(POS)intheUnitedStatesin2015and2018TriannuallevelofcashpaymentsintheU.S.2015-201814%13.1%12%10%8%10.8%6%4%2%0%201520184Description:Theshareofcashatpoints-of-salewasestimatedtobearound10percent,althoughthisisbasedonalimitedamountofinformation.Nodataexistsontheactualuseofcashmoney,outsideofsurveydiaries.Tothatend,thenumbersshownhereareestimationsbasedontheavailabledataregardingcashwithdrawalsandpaymenttransactions,andassumethatconsumerswhowithdrawcashmoneyarelikelytospendthisinaphysicalstore.Asnotallpaymentdataisreadilyavailable,like[...]

ReadmoreNote(s):UnitedStates;2015and2018;FewfiguresareavailablefortheUnitedStates,asnotmuchinformationissharedonthevalueofcashwithdrawalsatATMsSource(s):BankforInternationalSettlements;FederalReserve;IMF;NACHA;PYMNTS;TheNilsonReportShareofcurrencyincirculation(CIC)tothenominalGDPoftheUnitedStatesfrom2001to2022Annualcurrencyincirculation(CIC)toGDPratiooftheU.S.2001-202212%10%8%6%4%2%0%2001

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20225Description:ThemarketsizeofcurrencycirculatingintheUnitedStateseconomymadeupnearlytenpercentofthecountry'sGDP.Thisso-calledCIC/GDPratioismeanttoroughlymeasuretheuseofcashmoneyinthecountry.Duetotheanonymityofcashtransactions,sourcesstruggletofindexactvolumesonthis.Theratiomentionedhereisquitepopularinthatregard,asthedataitneedsisrelativelyeasytofind.Someindustryexpertsmention,however,thatthisratioistoogeneralanddoesnot[...]

ReadmoreNote(s):UnitedStates;2001to2022Source(s):IMF;WorldBankMarketshareofcash,creditcards,andotherpaymentmethodsatpointofsale(POS)intheUnitedStatesfrom2017to2023,withaforecastfor2027Mostusedin-store(POS)paymentmethodsintheU.S.2017-2023,with2027forecast201740%35%3%16%2%-201939%34%6%15%2%-202038%29%10%12%4%202140%30%11%11%4%202240%31%12%12%3%202341%28%15%12%3%202734%23%31%8%Creditcard(incl."chargecard"since2021)*DebitcardE-wallet,Digital/mobilewalletCashPrepaidcard3%POSfinancing*4%-1%1%1%Retailer/bankfinancing(splitofffrom"POSfinancing"in2021)*---4%-BuyNow,PayLater(splitofffrom"POSfinancing"in2021)*---1%---Chargecard*4%4%4%6Description:CardswasstillapopularPOSpaymentmethodintheUnitedStatesafterCOVID-19,whilstBNPLhadasmallermarketshare.40percentofPOSpaymentsthatyearwerebeingmadewithcreditcard.Usingadebitcardwasthesecondmostcommonpaymentmethod,followedbycash.ReadmoreNote(s):UnitedStates;March2024;*Thesourcemadechangestoitscategoriesin2021,seethe"Details"tabformoreinformation.Source(s):GlobalData;IMF;McKinsey&Company;WorldBank;WorldpayPaymentsatpointsofsalebytypeintheU.S.asofDecember2023PaymentsatpointsofsalebytypeintheU.S.2023Shareofrespondents0%10%20%30%40%50%60%70%Debitcard65%Cash61%CreditcardMobiledevice(e.g.,smartphone,smartwatch)Prepaidcard/vouchers49%25%16%14%CheckIhavenotpaidatanypointofsaleOther5%2%7Description:"Debitcard"and"Cash"arethetoptwoanswersamongU.S.consumersinoursurveyonthesubjectof"Paymentsatpointsofsalebytype".ReadmoreNote(s):UnitedStates;JanuarytoDecember2023;10048respondents;18-64yearsSource(s):ConsumerInsightsMarketshareofcash,creditcards,andotherpaymentmethodsduringonlineshoppingintheUnitedStatesfrom2016to2023,withaforecastfor2027Mostusede-commercepaymentmethodsintheU.S.2016-2023,with2027forecast201623%26%16%-201720%32%20%-201924%33%18%-202030%30%21%-202130%30%21%-202232%30%20%9%202337%32%19%5%202752%22%12%7%E-wallet,Digital/mobilewalletCreditcard-incl."chargecard"since2021*DebitcardAccount-to-account(A2A)-incl."banktransfers"and"directdebit"since2022**Buynow,paylaterCashondelivery(CoD)Prepaidcard-8%3%3%8%11%--4%3%1%6%13%-1%3%1%1%6%11%-2%1%1%-4%2%1%3%8%-5%1%1%1%-5%1%1%6%0%1%PrePayBanktransfer**Chargecard*Directdebit**E-invoices6%8%1%--1%------8Description:BNPLwasnotthemostusedpaymentmethodinU.S.e-commercein2022,althoughitdidgrowrelativelyquickly.TheUnitedStatespreferscreditcardsandmobilewalletsoverotherpaymentoptions,likelyduetothepopularityanduserexperiencewithmobilepaymentappssuchasPayPal.ThefiguresshownherearefrombeforeAppleenteredtheUnitedStatesBNPLmarket.Installmentloansthroughthisspecificprovidermayincreasethemarketshareofbuynow,paylater.ApplePay[...]

ReadmoreNote(s):UnitedStates;March2024;Thesourcemademultiplechangestoitscategoriesovertime,seethe"Details"tabformoreinformation.;*In2022,thesourcestateditmergedthecategoriesof"creditcards"togetherwith"charge/deferred[...]

ReadmoreSource(s):GlobalData;IMF;McKinsey&Company;WorldBank;WorldpayMostcommononlinepaymentsbytypeintheU.S.asofDecember2023MostcommononlinepaymentsbytypeintheU.S.2023Shareofrespondents0%10%20%30%40%50%60%Debitcard56%Creditcard47%Onlinepaymentservices(e.g.,PayPal,AmazonPay)44%DirectdebitPrepaidcards/vouchersCashondelivery28%17%16%Cashinadvance13%Byinvoice10%9%IhavenotconductedanypaymentsonlineOther2%9Description:"Debitcard"and"Creditcard"arethetoptwoanswersamongU.S.consumersinoursurveyonthesubjectof"Mostcommononlinepaymentsbytype".ReadmoreNote(s):UnitedStates;JanuarytoDecember2023;10048respondents;18-64yearsSource(s):ConsumerInsightsMarketshareofcryptocurrencycomparedtootherpaymentmethodsinselectedcountriesacrosstheworldasof2023Penetrationofcryptoasameansofpaymentinselectedcountriesworldwidein2023Share

ofrespondentsNumber

ofrespondentsSurvey

freAustraliaAustria2%1000Everythre2%24872975EverythreEverythreBelgium1.4%CanadaCyprus1%20001016EveryfouEverythre1.5%Estonia0.9%1506Everythre10Description:Cryptocurrencyasapaymentmethodrarelyexceededthreepercentofoverallpaymentswithinacountrybetween2021and2023.Thisisaccordingtomultiplepaymentdiarysurveyshelddomesticallyacrosstheworld,atvarioustimes.Duetothedecentralizednatureofcryptocurrencies–Bitcoinitself,forexample,wasinitiallycreatedasaprotestagainstcentralauthorities–thereisnounifiedapproachordatabasetotrackhowmuchthedigitalassetisusedasapaymentmethod.Some[...]ReadmoreNote(s):Australia,Austria,Belgium,Canada,Cyprus,Estonia,Finland,France,Germany,Greece,Ireland,Italy,Latvia,Lithuania,Luxembourg,Malta,Netherlands,Poland,Portugal,Slovakia,Slovenia,Spain,Sweden,Switzerland,UnitedKingdom,UnitedStates;March2023;Asof2023,thereisnocentralizedtrackingofcryptopaymentsacrosscountries.Thenumbersprovidedhereweregatheredfromvariousdomesticsourcesandstemfromlocallyheldpaymentdiaries,whichareheldatvariousfrequencies,timesofyear,andlikelyfollowdifferentmethodologiesoraskdifferentquestionsfromoneanother.Thefiguresmaythereforenotnecessarilybecomparabletooneanother.Source(s):BankofCanada;DNB;ECB;FederalReserve;FinancialConductAuthority;Ipsos;NationalBankofPoland;ReserveBankofAustralia;SchweizerischeNationalbank;TheDutchPaymentsAssociation;TheRiksbank;YouGovCHAPTER

02PenetrationPenetrationrateofcreditcardsintheUnitedStatesfrom2014to2029PenetrationrateofcreditcardsintheUnitedStates2014-20298068.1668.4467.6267.8967.0967.3570605040302010066.4266.766.6366.8465.8766.1565.663.7261.960.13201420152016201720182019202020212022202320242025202620272028202912Description:ThecreditcardpenetrationintheUnitedStateswasforecasttocontinuouslyincreasebetween2024and2029byintotal1.4percentagepoints.Aftertheseventhconsecutiveincreasingyear,thecreditcardpenetrationisestimatedtoreach68.44percentandthereforeanewpeakin2029.ReadmoreNote(s):UnitedStates;2014to2029;allvaluesareestimatesSource(s):PenetrationrateofdebitcardsintheUnitedStatesfrom2014to2029PenetrationrateofdebitcardsintheUnitedStates2014-202910086.81908070605040302010085.6186.2185.0184.4183.8282.882.7383.2582.1581.580.8680.2378.8777.5476.23201420152016201720182019202020212022202320242025202620272028202913Description:ThedebitcardpenetrationintheUnitedStateswasforecasttocontinuouslyincreasebetween2024and2029byintotalthreepercentagepoints.Aftertheseventhconsecutiveincreasingyear,thedebitcardpenetrationisestimatedtoreach86.81percentandthereforeanewpeakin2029.ReadmoreNote(s):UnitedStates;2014to2029;allvaluesareestimatesSource(s):MobilepaymentsusageperformedwithanymobiledeviceatPOSintheUnitedStatesfrom2018to4thquarterof2023QuarterlyadoptionofmobilepaymentsatPOSintheU.S.2018-202330%25%20%15%10%5%0%2018

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Q4202314Description:Between2018and2023,theusageofmobilesatpointofsaleinUnitedStateswitnessedanincreaseoffourpercentagepoints.In2018,theshareofrespondentsusingmobilepaymentsatPOSstoodat20percent,whichincreasedto24percentinthethirdquarterof2023.ThisisaccordingtoaquestionaskedthroughoutmultiplesurveysfromꢀStatista'sConsumerInsights.Thenumbersshownhererefertoarolling12-monthshareofrespondentswhoindicatedtheyusedamobilepayment[...]

ReadmoreNote(s):UnitedStates;January2,2023,toDecember15,2023;12,000+percountry;18-64years;Residentialonlinepopulation;12-monthrollingaverageSource(s):ConsumerInsightsMobilepaymentsbysituationintheU.S.in2023MobilepaymentsbysituationintheU.S.2023Shareofrespondents0%5%10%15%20%25%Foreverydaypurchases(e.g.food)ForfoodanddrinksinrestaurantsForfoodanddrinksinbarsandcafésForminorpurchases(e.g.decorationitems)Don'tknow17%16%16%12%9%ForpublictransportationticketsFortravelbooking8%8%Foradmissiontickets7%7%Formajorpurchases(e.g.washingmachine)Other1%Ihavenotpaidwithmymobiledeviceatall24%15Description:Whenaskedaboutmobilepaymentshabits,mostU.S.respondentsindicatedthattheyhadpaidwiththeirmobiledeviceinthepast12monthsforeverydaypurchases.Payingforfoodanddrinksinrestaurantswasanothercommonmobilepaymentusagein2023,followedbypayinginbarsandcafés.ReadmoreNote(s):UnitedStates;fourwavesfromJanuary2,2023toDecember15,2022;10,048respondents;18-64yearsSource(s):ConsumerInsightsShareofcompaniesthatacceptselecteddigitalpaymentsforalltypesofe-commerceintheUnitedStatesasofFebruary2024Paymenttypesacceptedbyalle-commercevendorsintheU.S.in2022and2024February2022February2024100%90%80%70%60%50%40%30%20%10%0%88%80%78%77%72%71%69%66%59%56%53%48%46%45%37%28%27%CreditcardsPayPalBanktransfersApplePayBuynow,pay

Loyaltypoints,later(BNPL)

rewardsGiftcardsCryptocurrencyNFTs(non-fungibletokens)16Description:Sixoutof10e-commercevendorsintheU.S.offerbuynow,paylaterontheirwebsitecome2024.Thisisaccordingtoasurveyheldinearly2024,askinge-commerceprofessionalsonwhichpaymentmethodstheyareoffering.NoticeablefortheUnitedStatesisthesubstantialshareofrespondentswhoindicatedtheyoffercreditcardsin2024.Cryptocurrencyalsofeaturesinthislist.Thesourcedoesnotclarify,however,whethermerchantswouldliketoacceptdirectpaymentswithBitcoin[...]

ReadmoreNote(s):UnitedStates;February2024;2,700respondents;18yearsandolder;third-partypanelistsworldwide;Commerceprofessionalsthatheldadirectororhigherleadershiprole;ProfessionalsfromB2B,B2C,andB2B2CcompaniesacrossNorthAmerica,LatinAmerica,AsiaPacific,Japan,andEuropeSource(s):SalesforceResearchCryptoAdoptionIndexrankingoftheUnitedStatesfrom2020to2023,bymetricAnnualcryptoadoptiondevelopmentintheU.S.2020-2023,bymetricRank

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indexOverallranking(outof146countries)20206202182022520234Overallindexscore(1=highest,0=lowest)0.6350.2230.6530.372On-chaincryptocurrencyvaluereceivedatcentralizedexchanges,rankingOn-chainretailvaluereceivedatcentralizedexchanges,ranking6438Numberofon-chaindeposits,ranking3916n/a109n/an/a1113n/a122Peer-to-peer(P2P)exchangetradevolume,rankingOn-chaincryptocurrencyvaluereceivedfromDeFiprotocols,rankingn/aOn-chainretailvaluereceivedfromDeFiprotocols,rankingn/an/a2217Description:Between2020and2023,acountryrankingthatestimatescryptoadoptionbasedontransactionvolumeconsistentlyplacedtheU.S.inthetop10oftheworld.Thefigurefor2022,especially,standsoutasitbrokeadecliningtrendin2021andwaslikelycausedbythechangeofthemethodologytonowincludeDecentralizedFinance(DeFi)intheindex.Forexample,theUnitedStatesrankedsecondintheworldwhenitcomestoon-chainretailvaluereceivedfromDeFiprotocols-or[...]

ReadmoreNote(s):UnitedStates;July2020toJune2023;Ranking(1=highest,146=lowest);Weightedbypurchasingpowerparity(Source(s):Chainalysis;percapitaDistributionofdomesticandcross-bordere-commercerevenuesin2023,bycountryDomesticandcross-bordere-commercerevenueshare2023,bycountryShareofrevenueCross-border

Domestic40%

50%0%10%20%30%60%70%80%90%100%Japan

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3%98%97%97%97%97%97%97%96%96%96%95%94%FinlandGermanyUnitedKingdomArgentina4%4%4%5%6%Indonesia18Description:TheDigitalMarketOutlookestimatesthattheshareofcross-bordere-commerceretailrevenuein2023willbeonlyaroundtwopercentinJapan.TheUnitedStatesandChinaalsohadarelativelylowshareofcross-boarderrevenue,atthreepercent.BelgiumandAustria,ontheotherhand,hadasignificantlyhighershareoftheire-commercerevenuegeneratedcross-border,at32and19percent,respectively.

ReadmoreNote(s):Worldwide;estimatesSource(s):DigitalMarketInsightsShareofdigitallyinitiatedremittancesintheUnitedStatesfrom2ndquarter2016to3rdquarter2023,basedonremittanceoutflowtowardsanyothercountryQuarterlymarketshareofoutgoingdigitalremittancesintheU.S.2016-2023TraditionallyinitiatedDigitallyinitiatedDigitalend-to-end120%100%80%60%40%20%0%Q2

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Q320162016201620172017201720172018201820182018201920192019201920202020202020202021202120212021202220222022202220232023202319Description:TheshareofdigitalremittancesleavingtheUnitedStateswasslightlyhigherin2023thaninpreviousyears,takingupthemajorityofmoneytransfers.Thisisaccordingtoacustom-madecalculationfrombasedonthenumberofreportedremittancechannelsgoingawayfromtheUnitedStates.ThethreecountriestheU.S.sendsthehighestvalueofremittancesincludeMexico,India,andGuatemala.Remittancesarearelativelyunchartedtopic,though.Whilefiguresexistonthe[...]ReadmoreNote(s):UnitedStates;September2023;Figuresarebasedontheremittancechannelsthatexistinaremittancesendingand/orreceivingcountry;Seethe"Details"tabformoreinformationonthecategorizationSource(s):WorldBank(RemittancePricesWorldwide)CHAPTER

03BiggestbrandsMarketshareofVisa,Mastercard,AmericanExpress,DiscoverasgeneralpurposecardbrandsintheUnitedStatesfrom2007to2023,basedonvalueoftransactionsVisa,Mastercard,Amex,DiscovermarketshareagainsteachotherinU.S.2007-2023VisaMastercardAmericanExpressDiscover120%100%80%60%40%20%0%200720082009201020112012201420152016201720182019202020212022202321Description:Visa'sU.S.marketshareincreasedduringthecoronaviruspandemic,mostlyasAmericansusedmoredebitcards.ThisisaccordingtoestimatesbasedonthetransactionvolumeofgeneralpurposecreditanddebitcardsissuedintheUnitedStates.Visa'smarketsharestrengthenedastimewentby,movingfromaroughly50percentmarketsharein2007tomorethan60percentby2022.ThisislikelybecauseofꢀthegrowinguseofdebitcardsintheU.S.—causingthemarketshareof[...]

ReadmoreNote(s):UnitedStates;February2024;figuresincludecredit,debit,andprepaidcards,bothconsumerandcommercialSource(s):TheNilsonReportLeadingcommercialcardissuersintheUnitedStatesfrom2019to2021,basedonvalueoftransactionsforbusinessactivities(inbillionU.S.dollars)BiggestcommercialcardissuersintheU.S.2019-2021,basedonpurchasevolume20192020202120018016014012010080182.5177.5167.8155.9149.9146.3100.493.387.581.7

8180.879.774.768.565.26555.46049.633.340200JPMorganChase

BankofAmericaWellsFargoU.S.BankCapitalOneCitibankComdataPNC22Description:TheleadingissuerofcommercialcardsintheUnitedStatesin2021,bypurchasevolume,wasJPMorganChase.Ayearearlier,JPMorganChaselostthispositionwhenitspurchasevolumedecreasedtoaround146billionU.S.dollarsin2020,whileBankofAmericaspurchasevalueincreasedthatyear,uptoaround168billionU.S.dollars.ReadmoreNote(s):UnitedStates;May2022;figuresincludecommercialcredit,debit,andprepaidcards;Corporatetravelandentertainment(T&E),fleetandpurchasing,smallbusinesscredit,smallbusinessdebitandprepaid(governmentbenefits,etc.)areincluded.Source(s):TheNilsonReportMostusedmobilepaymentsbybrandintheU.S.asofDecember2023MostusedmobilepaymentsbybrandintheU.S.2023Shareofrespondents0%10%20%30%40%50%60%60%59%58%ApplePayCashAppPayPalGooglePay36%ChasePay19%MastercardClicktoPay(Masterpass)16%15%SamsungPayBitpayFitbitPay11%11%GarminPay9%9%MicrosoftPay/MicrosoftWalletOther4%23Description:WeaskedU.S.consumersabout"Mostusedmobilepaymentsbybrand"andfoundthat"ApplePay"takesthetopspot,while"MicrosoftPay/MicrosoftWallet"isattheotherendoftheranking.ReadmoreNote(s):UnitedStates;JanuarytoDecember2023;2508respondents;18-64years;respondentswhousedmobilepaymentinrestaurants,storesandotherpointsofsaleinthepast12months(Health,Finance,Insurance)Source(s):ConsumerInsightsMostusedonlinepaymentsbybrandintheU.S.asofDecember2023MostusedonlinepaymentsbybrandintheU.S.2023Shareofrespondents0%10%20%30%40%50%60%70%80%79%PayPalApplePay38%Venmo37%GooglePay31%30%AmazonPayAfterpay17%16%14%12%11%VisaCheckoutKlarnaMastercardClicktoPay(Masterpass)MetaPay(Facebook)Skrill4%Other8%24Description:WeaskedU.S.consumersabout"Mostusedonlinepaymentsbybrand"andfoundthat"PayPal"takesthetopspot,while"Skrill"isattheotherendoftheranking.ReadmoreNote(s):UnitedStates;JanuarytoDecember2023;4417respondents;18-64years;respondentswhousedonlinepaymentmethods(Health,Finance,Insurance)Source(s):ConsumerInsightsBiggestbuynow,paylater(BNPL)appsintheUnitedStatesfrom1stquarterof2015to4thquarterof2023,bynumberofdownloadsBiggestbuynow,paylater(BNPL)appsintheU.S.2015-2023,basedondownloadsPayPal*AffirmAfterpayKlarnaSezzleZipFourUpliftTabbyTamara16,000,00014,000,00012,000,00010,000,0008,000,0006,000,0004,000,0002,000,000025Description:WhilstPayPaltoppedadownloadrankingfortheUnitedStatesin2023,KlarnaledapackofBNPLcompetitors.Upuntiltheendof2022,thenumberofdownloadsoftheKlarnaappwasabouthalfofthatofthePayPalapp-asignificantchangecomparedtoearlieryears,whenPayPalwasdownloadedrelativelymoreoften.ThisconfirmsaconclusionfromꢀadifferentBNPLrankingintheU.S.basedonusers,namelythatKlarnaismorepopularthansomeofitscompetitors.

ReadmoreNote(s):UnitedStates;March2024;Thisstatisticistheresultofresearchintoroughly150differentappsusedforBNPLacrosstheworld.Formoreinformation,seethe"Details"tab;Theappsondisplayheremadeup98.4percentofalldownloadsinQ42023Source(s):AppMagic;BuiltWith;BusinessWire;CBInsights;ecommerceDB.com;Fincog;PayU;SiftedBiggestwalletsforcryptocurrencystorageintheUnitedStatesfrom1stquarterof2015to4thquarterof2023,bynumberofdownloadsBiggestcryptocurrencywalletsintheU.S.2015-2023,basedondownloadsCoinbaseBitcoin&CryptoDeFiWallet

Binance.USMonarch

B16,000,000TrustCoinbaseWalletOKXExodusSweatWalletKrakenBybitBinanceMetaMaskBitget14,000,00012,000,00010,000,0008,000,0006,000,0004,000,0002,000,000026Description:Coinbase,Trust,andSweatweretheonlycryptowalletsintheUnitedStatestoreachroughlyhalfamilliondownloadseachinQ42023.Thisisaccordingtoanestimateusingroughly190differentappsthatofferacryptowalletfunctionfromacrosstheworld.WalletsarebutonetypeofꢀappthatinteractwithdecentralizeddigitalassetsintheUnitedStates,althoughitcanbedifficulttoseparatethedifferentapplicationsfromeachother.Cryptowalletsareoftenusedforcryptostorage,and[...]ReadmoreNote(s):UnitedStates;March2024;Thisstatisticistheresultofresearchintoover190differentappsusedforBNPLacrosstheworld.Formoreinformation,seethe"Details"tab;The15appsondisplayheremadeup84.8percentofalldownloads[...]

ReadmoreSource(s):AppMagic;CoinGecko;Website(CryptoSlate)Brandswiththehighestnumberofreal-time(instant)paymenttransactionsworldwidein2022(inbillions)Biggestreal-timepaymentsbrandsworldwidein2022,basedonnumberoftransactionsTransactioncountinbillions01020304050607080UPI(India)Pix(Brazil)7424IBPS(China)1615PromptPay(Thailand)EBS(SouthKorea)8Venmo,Zelle(UnitedStates)NIBSS(Nigeria)65FasterPayments(UnitedKingdom)ZenginSystem(Japan)PayNet(Malaysia)422Bizum(Spain)1BI-FAST(Indonesia)127Description:UPIinIndiaandPixinBraziltogetherreachednearly100billiontransactionsin2022,makingthemthelargestbrandsinreal-timepayments.RTPisespeciallycommoninAsia-Pacific.TransactionsinIndiaarealmostfivetimeshigherasinChina.SystemsintheUnitedStates–suchastheprivatelyownedVenmoandZelleintheUnitedStates,orthepublicinterbanksystemofFasterPaymentsintheUK–aremuchsmallerincomparison.Real-timepaymentsgenerallyhavetwomain[...]

ReadmoreNote(s):Brazil,China,India,Indonesia,Japan,SouthKorea,Malaysia,Nigeria,Spain,Thailand,UnitedKingdom,UnitedStates;August2023;thesourcecombinedvarioussourcestogether.MissingcountriesareprobablybecausethesourcedidnotincludetheminitsresearchSource(s):BankforInternationalSettlements;BankIndonesia;BankNegaraMalaysia;BankofKorea;BankofSpain;BankofThailand;CentralBankofBrazil;CentralBankofNigeria;NPCI;NTTData;PayPal;People'sBankofChina;ZelleBiggestbrandsforremittancesintheUnitedStatesfrom1stquarter2011to3rdquarter2023,basedonremittanceoutflowtowardsanyothercountryQuarterlymarketshareofoutgoingremittancebrandsintheU.S.2011-2023MoneyGramWesternUnionRiaWalmart2WorldXoomSmallWorldWorldRemitRemitlyWiseWellsFargoOther120%100%80%60%40%20%0%28Description:MoneyGramwasusedthemostforoutgoingremittancesfromtheUnitedStatesin2023,althoughitsmarketsharewasrelativelylowduetohowmanyprovidersarepresent.Thisisaccordingtoacustom-madecalculationfrombasedonthenumberofreportedremittancechannelsgoingawayfromtheUnitedStates.ThethreecountriestowhichtheU.S.sendsthehighestvalueofremittancesareMexico,India,andGuatemala.Remittancesarearelativelyunchartedtopic,though.[...]

ReadmoreNote(s):UnitedStates;September2023;Figuresarebasedontheremittancechannelsthatexistinaremittancesendingand/orreceivingcountry.Source(s):WorldBank(RemittancePricesWorldwide)CHAPTER

04UsersTotalnumberofcreditcardsanddebitcardsincirculationintheUnitedStatesfrom2012to2021AnnualcreditcardanddebitcardsissuedintheU.S.2012-2021CreditcardsDebitcards1,200,000,0001,000,000,000800,000,000600,000,000400,000,000200,000,0000201220132014201520162017201820192020202130Description:AyearbeforeCovid-19reachedtheUnitedStates,thenumberofcreditcardswasalreadydeclining.In2019,therewereoverthreetimesmorecreditcardsintheUSAdebitcards-althoughthelattercontinuedtoincreasein2019whereascreditcardsdidnot.In2019,Visawasthebiggestcreditcardbrandacrossthenationwithover300millioncardsissued.ReadmoreNote(s):UnitedStates;2012to2021;Nonumberswereprovidedfrombefore2012;Figureswerereleasedinearly2024,andhaveasignificantpublicationdelayduetodomesticdatacollectionandreporting.TheU.S.hasthelargestreportingdelayofallcountriesconsidered.Source(s):BankforInternationalSettlements;TheNilsonReport(HSNConsultantsInc)ShareofindividualswhoownacreditcardintheUnitedStatesin2011,2014,2017and2021withaforecastfor2024,byage,gender,andincomelevelTriennialcreditcardpenetrationintheU.S.2011-2024,bydemographic20116