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Key findings include: Consumers have responded to the pandemic by shopping less frequently in-store, more online and adopting a hybrid channel model. This has caused retailers to expand e-commerce sales, add curbside pickup as well as to offer delivery services. Consumers have also changed how they pay in-stores with 21% changing their primary payment method altogether in just over a year’s time.  Mobile wallets received a strong boost in new users and increased usage among existing users for both general purpose wallets, e.g., Apple Pay, and retail wallets, e.g., Starbucks. Half of consumers are now active mobile wallet users. The figure jumps to about two thirds for Gen Z and millennials, as well as more than half for Gen X.

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