Consumer habits are constantly evolving, driven by factors such as technology, convenience and personalization. A recent Kantar study confirms that each generation presents unique behaviors in relation to payment methods and financial rewards, which poses a key challenge for retailers: adapting their strategies to respond to their customers' expectations within the framework of unified commerce.

Millennials are positioned as the main credit card users (65%), followed by generation X (59%), generation Z (56%) and baby boomers (55%). In addition, millennials stand out for their preference for cards affiliated with airlines (14%) and retailers (25%).

On the other hand, when it comes to rewards, younger consumers prioritize immediate benefits. Cashback is chosen by 40% of generation Z and 41% of millennials, in contrast to 34% of generation X and 26% of baby boomers. This preference evidences a mindset focused on instant financial return, rather than points programs or deferred discounts.

In terms of digital payments, adoption also varies significantly. More than half of millennials (53%) and Generation Z (54%) use these technologies, while their use is notably lower among Generation X (35%) and baby boomers (18%). This generation gap underscores the need for retailers to offer multiple payment options to ensure a seamless experience for all consumers.

The role of technology in unified commerce

In this context, retailers must adopt strategies that allow them to integrate different consumer habits and offer experiences appropriate to the habits of each generation. A good strategy for this is to incorporate technological solutions that centralize inventory management, optimize costs and delivery times, and facilitate payments from any contact point.

Unified commerce not only implies the integration of physical and digital channels, but also the ability to respond in an agile way to the expectations of each generation. Tools that allow you to efficiently manage payment methods, promotions and product availability become essential to improve the consumer experience and strengthen the competitiveness of the business.

Solutions such as Napse Omni and Napse Promo facilitate this transition by connecting channels, unifying customer loyalty and retention strategies, optimizing shipments and transforming each store into a mini distribution center, guaranteeing a more agile and profitable operation. Adapting to the consumption habits of each generation is no longer an option, but a necessity. Technology is the great ally to achieve this, helping retailers offer their customers what they expect, when and where they need it.