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1. Debit growth returned to a more moderate level. 

After seeing unusual volatility in debit spending in 2020 and 2021, transaction and dollar-volume growth cooled off dramatically in 2022, indicating stabilization of the debit market and a shift back to more normalized pre-pandemic consumer debit behaviors.
 

2. Pandemic-driven digital payment behaviors solidified.

The pandemic has left its mark on consumers, who have not only gotten comfortable with digital payment behaviors that surged over the last few years, but adopted them as habits. We live in a digital-first world in many aspects of our lives today and, increasingly, debit is becoming no different. And “digital debit” is proving its durability with consumers, says Sievert.
 

3. Fraud became a primary focus for issuers.

All study participants reported an increased level of investment and focus on fraud prevention and mitigation to combat fraudsters’ move to digital channels. Of the issuers surveyed, 76% enhanced their fraud models and 40% improved their chargeback experience in 2022.
 

4. Issuers elevated the importance of the customer experience.

As debit becomes increasingly digital, delivering an elevated customer experience is now a strategic priority. As a result, issuers are ramping up investment in mobile self-service capabilities, which are critical in an always-on economy where consumers expect more control over all aspects of their lives.

To learn more about the survey findings and how you can apply them in your debit program, watch the webinar or download the white paper.

 

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1. Debit growth returned to a more moderate level. 

   • After seeing unusual volatility in debit spending in 2020 and 2021, transaction and dollar-volume growth cooled off dramatically in 2022, indicating stabilization of the debit market and a shift back to more normalized pre-pandemic consumer debit behaviors.

2. Pandemic-driven digital payment behaviors solidified.

   • The pandemic has left its mark on consumers, who have not only gotten comfortable with digital payment behaviors that surged over the last few years, but adopted them as habits. We live in a digital-first world in many aspects of our lives today and, increasingly, debit is becoming no different. And “digital debit” is proving its durability with consumers, says Sievert.

3. Fraud became a primary focus for issuers.

   • All study participants reported an increased level of investment and focus on fraud prevention and mitigation to combat fraudsters’ move to digital channels. Of the issuers surveyed, 76% enhanced their fraud models and 40% improved their chargeback experience in 2022.

4. Issuers elevated the importance of the customer experience.

   • As debit becomes increasingly digital, delivering an elevated customer experience is now a strategic priority. As a result, issuers are ramping up investment in mobile self-service capabilities, which are critical in an always-on economy where consumers expect more control over all aspects of their lives.

     To learn more about the survey findings and how you can apply them in your debit program, watch the webinar or download the white paper.

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Debit growth returned to a more moderate level. 

After seeing unusual volatility in debit spending in 2020 and 2021, transaction and dollar-volume growth cooled off dramatically in 2022, indicating stabilization of the debit market and a shift back to more normalized pre-pandemic consumer debit behaviors.
 

Pandemic-driven digital payment behaviors solidified.

The pandemic has left its mark on consumers, who have not only gotten comfortable with digital payment behaviors that surged over the last few years, but adopted them as habits. We live in a digital-first world in many aspects of our lives today and, increasingly, debit is becoming no different. And “digital debit” is proving its durability with consumers, says Sievert.
 

Fraud became a primary focus for issuers.

All study participants reported an increased level of investment and focus on fraud prevention and mitigation to combat fraudsters’ move to digital channels. Of the issuers surveyed, 76% enhanced their fraud models and 40% improved their chargeback experience in 2022.
 

Issuers elevated the importance of the customer experience.

As debit becomes increasingly digital, delivering an elevated customer experience is now a strategic priority. As a result, issuers are ramping up investment in mobile self-service capabilities, which are critical in an always-on economy where consumers expect more control over all aspects of their lives.

To learn more about the survey findings and how you can apply them in your debit program, watch the webinar or download the white paper.
 

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 Debit growth returned to a more moderate level. 

After seeing unusual volatility in debit spending in 2020 and 2021, transaction and dollar-volume growth cooled off dramatically in 2022, indicating stabilization of the debit market and a shift back to more normalized pre-pandemic consumer debit behaviors.
 

 Pandemic-driven digital payment behaviors solidified.

The pandemic has left its mark on consumers, who have not only gotten comfortable with digital payment behaviors that surged over the last few years, but adopted them as habits. We live in a digital-first world in many aspects of our lives today and, increasingly, debit is becoming no different. And “digital debit” is proving its durability with consumers, says Sievert.
 

 Fraud became a primary focus for issuers.

All study participants reported an increased level of investment and focus on fraud prevention and mitigation to combat fraudsters’ move to digital channels. Of the issuers surveyed, 76% enhanced their fraud models and 40% improved their chargeback experience in 2022.
 

 Issuers elevated the importance of the customer experience.

As debit becomes increasingly digital, delivering an elevated customer experience is now a strategic priority. As a result, issuers are ramping up investment in mobile self-service capabilities, which are critical in an always-on economy where consumers expect more control over all aspects of their lives.

To learn more about the survey findings and how you can apply them in your debit program, watch the webinar or download the white paper.

 

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