Every bill is competing for the same dollars. When consumers can't pay everything, they choose, and the answer isn't always who they owe the most. This report reveals what tips the decision.
36% of consumers have delayed a payment for one reason: the process was too complicated. The money was there. The willingness was there. The experience wasn't.
What Decides Who Gets Paid First
- The friction threshold: the exact number of steps consumers will tolerate before they walk away (and how far past it most payment experiences already are)
- The speed advantage: the channel that moves consumers from reminder to paid on the same day
- The deciding factor: when two bills carry similar balances and due dates, one thing determines which gets paid first, and it's entirely in your control
- The generational divide: who's under the most financial pressure, and who's most ready for a better experience
