Utilities and Food

Transportation

Monthly Rent

Nonessential goods and services

. It’s harder for customers to pay, so they end up saving money.

It makes paying easier and faster, so customers are more likely to overspend.

Digital pay is the way of the future, and retail stores like being ahead of the times.

It's easier for the retail store clerks.

Have their products strategically placed in the store.

Get you to dislike their branding.

Confuse you about their product.

Choose a brand similar to theirs.

Networking

Borrowing

Fraud

Authorized Spending

You are powerless in the face of an impulse purchase

You can make decisions very quickly when it comes to purchasing items

You are able to slow down and think through your motives before buying something.

You have power to purchase whatever you want and you do so.