NMI Survey Finds 50% Adults Shop More When Payments Are Frictionless

Frictionless Checkout Drives More Spending The data makes a clear case for investing in seamless payment experiences.

Key findings include: 52% of consumers say perks like gamified loyalty programs, cashback offers, and BNPL rewards make them shop online more frequently, rising to 72% among Gen Z and 67% for parents with kids under 25 52% prefer secure one click online checkout over slower in-person cashier interactions, climbing to 61% for busy parents 48% say they spend more at checkout when the process is fast and frictionless 48% of consumers overall, and nearly 63% of Gen Z, say the digitalization of payments has significantly changed how they approach spending A Generational Divide in Payment Preferences Physical credit and debit cards still dominate overall, but younger consumers are accelerating fast toward digital-first behaviors.

29% of Gen Z prefer digital wallets for both in-store and online purchases, compared to 18% of Millennials, 5% of Gen X, and just 2% of Baby Boomers. Yet digital natives are not entirely abandoning traditional spending guardrails.

51% of Gen Z say they use debit cards to avoid carrying a hefty credit balance, and 17% use cash to limit spending…