US consumers demand payment convenience, remain sensitive to checkout friction – Highlights from VoCUL: Connected Customer
In this report, we share insights on consumer transaction hurdles, payment alternatives and corporate card usage.
Biography
McKayla Wooldridge is a research analyst on the FIG Research Fintech team within S&P Global Market Intelligence. Her coverage focuses on trends and technologies impacting the fintech ecosystem and implications for stakeholders and the customer experience. Her research spans B2B payments, banking as a service, and bank and fintech partnership dynamics.
Before joining FIG Research, McKayla supported the S&P Global Market Intelligence 451 Research technology research group as a fintech analyst. Prior to 451 Research, McKayla worked as a business intelligence advisor at S&P Global Market Intelligence, where she helped community banks and credit unions leverage the SNL Banker data warehouse for a variety of business applications.
McKayla holds a Bachelor of Science degree in economics and applied geographic information systems from James Madison University.
Recent Research from McKayla Wooldridge
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GenAI shows rapid uptake in consumer experiences while agentic adoption takes longer – Highlights from VoCUL: Connected Customer
451 Research's VoCUL: Connected Customer, Quantifying the Customer Experience survey is back for its fifth edition. In rotation since 2022, this study examines the relationships between consumers and retail brands, both digital and physical, to identify technology opportunities and pitfalls for businesses in the experiences they provide.
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Survey Data Hub – VoCUL: Connected Customer, Quantifying the Customer Experience 2026
451 Research's Voice of the Connected User Landscape: Connected Customer, Consumer Population Representative Survey conducts a population representative survey of US consumers about technology adoption, usage and buying intentions to understand how various tech trends are materializing in the mass market.
The VoCUL product line combines two survey methodologies that together deliver a holistic view of the connected user. The combination of 451 Research's population representative surveys and early indicator surveys provides a comprehensive package of quantitative and qualitative analysis.
451 Research's quarterly US consumer population representative survey asks consumers about connectivity-related devices, services, digital media and applications, including current ownership and use, attitudes and purchase plans. All respondents are asked a set of questions on core demographics and device ownership. Each respondent is also randomly assigned to one of four sections that dives deeper into current ownership, usage trends and future buying plans for specific topic areas.
Reports
In this report, we share insights on consumer transaction hurdles, payment alternatives and corporate card usage.
451 Research's VoCUL: Connected Customer, Quantifying the Customer Experience survey is back for its fifth edition. In rotation since 2022, this study examines the relationships between consumers and retail brands, both digital and physical, to identify technology opportunities and pitfalls for businesses in the experiences they provide.
Data files
Crosstabs (Excel tables | Download link in sidebar to the right) – Crosstabs of complete worldwide and regional survey results datasets, including key metrics and segmentation.
Charts and Figures (PowerPoint charts | Navigate charts in sidebar to the left | Download link in sidebar to the right) – PowerPoint slide deck of complete top-line survey results in charts and figures.
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Tassat unveils reserve optimization infrastructure for the stablecoin economy
In this report, we examine Tassat's newly launched reserve optimization initiative, Project NENYA, alongside its yield-bearing settlement and collateral network, Lynq, and the company's broader strategy.
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Q2 2026 Fintech Recap: Embedded, automated and software-driven
In this report, we highlight several key themes from our second-quarter 2026 fintech research.
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US consumers remain cautious on stablecoins, agentic AI
In this report, we share our findings from our Q2 2026 Connected Customer, Disruptive Experiences survey, covering topics such as digital wallets, cryptocurrencies, real-time payments, contactless payments and AI.
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