A recent study by payment platform PXP reveals that Generation X (aged 45–60) continues to prioritize security and reliability over cutting-edge convenience in their choice of payment methods. Surveying over 4,000 consumers across the UK and US, the report shows that Gen X typically prefers tried-and-tested tools like credit and debit cards, using mobile wallets only sparingly.
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GLOGen X Chooses Security Over Convenience in Payments, PXP Finds
A recent study by payment platform PXP reveals that Generation X (aged 45–60) continues to prioritize security and reliability over cutting-edge convenience in their choice of payment methods. Surveying over 4,000 consumers across the UK and US, the report shows that Gen X typically prefers tried-and-tested tools like credit and debit cards, using mobile wallets only sparingly.
Key findings include:
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Security is paramount: 51% of Gen X respondents rank security as their top priority, with 40% naming fraud risk as their main frustration when using digital payments.
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Cards reign supreme: 49% use debit cards for everyday purchases, valuing control and familiarity, while 33% favor credit cards for larger transactions such as travel—often drawn by the fraud protection and reward programs they offer.
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Mobile wallets lag behind: Only 6% use mobile wallets for in-store purchases and 5% for travel bookings, showing cautious adoption despite convenience.
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Transparency matters: Hidden fees frustrate 36% of respondents, and 44% believe cards offer the safest option online.
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Rewards also count: Around 31% are influenced by loyalty schemes with exclusive discounts, and 28% appreciate cashback or rewards tied to payment methods.
“Gen X approaches payments with a practical mindset—they want methods they can trust, clear payment terms, and real-value rewards,” says Kamran Hedjri, Group CEO of PXP. As a result, businesses aiming to win over Gen X must deliver secure, transparent payment experiences that resonate with everyday financial routines.
What This Means for Merchants
For retailers and service providers, the implications are clear: Gen X customers respond best to payment options that balance security and familiarity with modest innovation. Features like card-based loyalty rewards and split payments offer straightforward benefits, while experimental tools like sophisticated mobile wallets may struggle to gain traction without explicit assurances of security and transparency.
PXP’s new offering, PXP Unity, is designed to meet this demand—providing merchants a unified platform that supports secure card transactions, smart routing, loyalty incentives, and fraud protection through a single integration.
Gen X may be tech-aware, but when it comes to payments, they prioritize trust over trends. For businesses, the strategy is simple: offer secure, transparent, familiar payment options with meaningful rewards. Innovation is welcome—but only when it adds real value to a trusted financial experience.
Source: pxp
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