For successful retailers, offering the optimum level of choice – or selection – is often a defining brand characteristic. Typically, one thinks of selection as the quantity and variety of SKUs, but at some point in the purchase process, there’s a more fundamental decision shoppers make: “How am I going to pay for this?” 

Often the primary consumer driver for which payment option to use is economic, or it may be a simple behavioral response – “Whatever gets me through this line quickest.” For many, it’s simply ingrained…a cultural predisposition toward cash, credit or debit.

Choice in these matters can be very important to consumers, but lately perhaps more on the mind of retailers for two primary reasons: 

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