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As part of Velera’s CU Growth Outlook research in partnership with Mastercard, this special report explores the conscious and unconscious factors behind consumer payment choices. We analyzed why members select credit or debit for specific purchasing occasions, uncovered the psychology driving budgeter and non-budgeter behaviors, and identified strategic ways to personalize interactions and boost engagement.

The report provides insights into:

Budgeter vs. Non-budgeter Mindsets: Understanding the differences driving financial decisions.
Credit vs. Debit: Psychological triggers influencing payment choices for everyday and significant purchases.
Personalization Beyond Buzzwords: Why customizing experiences enhances member loyalty.
Applying Member Mindsets: Practical strategies to effectively influence behaviors at every lifecycle stage.

Complete the form to access the full report and better guide your members' financial behaviors.

The Psychology of Payments: Understanding Your Member’s Mindset to Achieve Long-term Growth