Post by Worldline

We asked Maciej Olejniczak, Payment Partnership Manager at Worldline, a direct question: "A merchant tells you revenues are down and asks 'what should I change about my payment experience?' What's your advice?" His answer: "First, I'd point out that consumer spending hasn't gone down, it's shifting. Most merchants I work with discover their customers are still spending, but on different value propositions. Your payment flow needs to signal which one you are: the smart, money-saving choice or the feel-good purchase. If your checkout doesn't clearly communicate either, that's your real problem." The data backs this up. McKinsey found that consumers who said they'd reduce furniture spending actually increased it. Those who said grocery spending would stay flat actually cut it. Based on findings like these, the Worldline Discovery Hub developed a wallet share model that helps merchants understand where spending is moving and how to align their checkout experience accordingly. The model and our analysis → comments 👇