We analyzed spending behavior across millions of shoppers to see what drives decisions today—from price and timing to values and convenience.

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The Modern Consumer Journey

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What's Inside the report

We analyzed billions in real transaction data to decode the behaviors of Gen Z and Millennial buyers—their triggers, values, and spending patterns. Use these insights to shape smarter campaigns, boost loyalty, and win market share.

You’ll learn:

  • Why Q1 might be your most overlooked growth opportunity
  • Where and when younger generations spend the most—and where they splurge
  • What role cards, convenience, and alternative payments play in daily spend
  • The best times (and days) to launch offers or run promotions
  • 4 proven strategies to win high-intent digital-first buyers

Plus: Real-world examples from brands seeing 10%+ market share shifts and $10:1 ROAS using rewards-based strategies.

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