Buy Now, Pay Later (BNPL) has shown explosive growth and is likely here to stay. Credit unions should look for opportunities to provide BNPL to their members.
Consumer Thinking and Behavior
Research related to the topic of consumer thinking and behavior.
Consumer Thinking and Behavior Research

Innovation and Incubation / Feb 18 2022
Buy Now, Pay Later: Understanding Consumer Behavior

Lives in Transition / Nov 24 2021
Income Volatility and Health Care Needs - How Credit Unions Can Help
This report focuses on two specific aspects of economic trends: rising income volatility and health care needs, and the role of credit unions in reducing the negative impacts of income volatility.

Innovation and Incubation / Aug 16 2021
Want to Increase Share of Unsecured Credit? Help Shrink the Market!
This brief proposes that the best way for credit unions to compete in the lucrative market for unsecured revolving credit (principally credit cards) is to help members reduce what they owe.

Lives in Transition / Apr 14 2021
Not Credit Union Kind of People
Credit unions are failing to connect with a very large and important part of the population: the politically disengaged. Unless...

Consumer Thinking / Oct 26 2020
Critical Communication: Marketing Strategies & Resources to Support Members and Sustain Business
This curated list of Filene Research Reports examines strategies, insights and actionable plans for marketing professionals to succeed in their organizational goals.

Consumer Thinking / Jan 24 2020
For the Long Run: Leveraging Reflexive Opportunities
Your credit union can build life-long member loyalty by creating opportunities for members to reflect on their relationship with the...

Consumer Thinking / Jan 08 2020
The Needs-Adaptive Member Journey
There is no one-size-fits-all map of a member's needs, goals or expectations. Instead of focusing on a "purchase," consider using...

Consumer Thinking / Aug 30 2019
Can Behavioral Economics Increase Savings and Member Loyalty?
Why is it so hard for people to save money—and why do so many initiatives to encourage saving fail? Research...

Consumer Thinking / Mar 22 2019
Who Do Credit Unions Belong To?
The United States is polarized, socially and politically. This study finds that most people in the US admire credit unions...

Consumer Thinking / Dec 28 2018
Keeping Pace with Expectations: The Quest to Attract Younger Credit Union Members
What Filene’s research says about understanding young adults’ financial needs.

Community Impact / Consumer Thinking / Jan 30 2019
Domestic Violence Recovery (DVR) Loan Program - Year Three Report
Survivors of domestic violence face unique financial challenges. This report provides an update on the Domestic Violence Recovery Loan program...

Consumer Thinking / Sep 11 2018
Fostering Digital Clout in Credit Unions
An analysis of credit union Yelp reviews provides actionable insights to better manage social media influence.

Consumer Thinking / Aug 27 2018
From Debt to Mindfulness
Participants in debt management programs (DMP) participated in research exploring the effects of mindfulness on consumer spending. Insights from this...

Consumer Thinking / Jun 26 2018
Consumer Insights on Autonomous Vehicles as an Impending Market Disruption
Rising consumer ambivalence toward vehicle ownership and the rapid pace of technological advances are converging to bring new opportunities and...

Consumer Thinking / May 31 2018
Confidence in Borrowing Spring 2018
Filene's annual report on consumers' confidence in borrowing relies on recurring national surveys to measure consumers' attitudes about debt and...