Key findings from the research include the following:

• What distinguishes segments in a meaningful way is two-pronged: consumer comfort and increased use of digital tools, and a willingness to share data in return for value.
• Consumers are more comfortable and competent in the use of apps and settings to manage their digital lives, and the preference for self-serve tools is extending to banking relationships.
• E-commerce has reached mass adoption, with 56 percent of respondents indicating they keep a credit card on file with a retailer to make online purchases.

The report is available online at: http://tsys.com/2015ukconsumerpaymentsstudy