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The payments industry continues to evolve, with the complex economic environment, tumultuous geopolitical landscape and legislative changes shaping consumer confidence. Spending has shown resilience, but uncertainty is directly influencing member behavior.

How consumers pay, along with other financial preferences and behaviors, is shifting in ways that reflect both caution and optimism. Debit and credit remain evenly matched as top-of-wallet choices, with security, rewards and immediacy driving purchasing decisions. Credit cards are the most in-demand lending product, and digital wallets and contactless payments are now mainstream. Buy Now, Pay Later (BNPL) and peer-to-peer (P2P) payments are no longer novelties, but part of everyday life.

Additionally, ever-evolving fraud schemes and the rise of arti