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CONSUMERS&BRANDSMobile

payment:

TWINT

users

inSwitzerlandConsumer

Insights

reportJune2024Consumer

Insights

GlobalsurveyIntroductionReport

overviewGlobalsurveymethodology(1)Design:OnlineSurvey,

splitquestionnaire

designThisreport

offers

thereader

acomprehensiveoverview

ofTWINT

users

inSwitzerland:

who

theyare;what

theylike;

whatthey

think;

andhowtoreachthem.

Itprovides

insightson

theirdemographics,lifestyle,

opinions,

and

marketing

touchpoints.Duration:

approx.

15

minutesLanguage:

official

language(s)

ofeach

country

withAmerican

Englishoffered

asanalternativeAdditionally,thereport

allows

thereader

tobenchmark

TWINTusers

inSwitzerland

(’’brand

users’’)againstSwiss

mobile

payment

usersingeneral(’’category

users’’),

and

theoverall

Swiss

consumer,labelled

as’’all

respondents’’

inthe

charts.Region:

56countriesNumberof

respondents:?

12,000+

forcountries

with

theextended

survey(including

Switzerland)?

2,000+

forthebasicsurveyThereport

isupdatedquarterly

andisbased

on

dataSample:

Internet

users,

aged18–64,quotasset

ongender

and

agefrom

theConsumer

InsightsGlobal

survey,

aninternational

survey

thatcovers

more

than15,000brandsacross

56

countries.Fieldwork:?

Continuousfrom

JanuarytoDecember?

Countries

thatreceive

theextended

survey

areupdatedfourtimesayear2Notes:(1):

Seethe

full

methodology

foradetailed

overviewofthe

study

designConsumer

Insights

Global

as

of

June

2024Sources:CHAPTER

01Management

summary?

Brand

usage?

Key

insightsWith

a

user

share

of

66%,

TWINT

is

by

far

the

most

used

mobile

payment

servicein

SwitzerlandManagement

summary:

brandusageand

competitionTop10

most

used

mobile

paymentservicesinSwitzerlandTWINTApplePay66%43%PayPal31%Google

Pay24%Migros

App12%10%10%8%Mastercard

Clickto

Pay(Masterpass)PostFinanceAppSamsungPayGarmin

Pay8%8%Swiss

Wallet4Notes:"Which

ofthese

serviceshave

youused

in

the

past

12

months

to

pay

in

stores,

restaurants

orother

points

ofsale

with

your

mobile

device

(e.g.,smartphone)?";

Multi

Pick;Base:

n=538

mobile

payment

usersConsumer

Insights

Global

as

of

June

2024Sources:The

share

of

mobile

payment

users

using

TWINT

declined

by

17

percentagepoints

since

Q1

of

2022Management

summary:

brandusagetimelineTimeline

of

mobilepaymentusersusing

TWINT83%82%81%79%79%79%76%74%66%62%60%57%57%2021

Q12021

Q22021

Q32021

Q42022

Q12022

Q22022

Q32022

Q42023

Q12023

Q22023

Q32023

Q42024

Q15Notes:"Which

ofthese

serviceshave

youused

in

the

past

12

months

to

pay

in

stores,

restaurants

orother

points

ofsale

with

your

mobile

device

(e.g.,smartphone)?";

Multi

Pick;Base:

n=174

-

390

TWINTusers,n=273

-

584

mobilepayment

usersSources:Consumer

Insights

Global

as

of

June

2024TWINT

users

in

SwitzerlandManagement

summary:

key

insightsDemographic

profileConsumerlifestyleConsumerattitudesMarketing

touchpointsTWINT

hasahigh

share

ofusers

thatarepartof

Generation

Zcompared

tothetotal

onlinepopulation.Career

advancement

is

lessimportanttoTWINTusers

than

toother

mobilepayment

users.Itstands

out

thatonly

41%

ofTWINTusers

couldimagine

doingtheirfinances

social

media

thantheaverage

mobileexclusively

viasmartphone.TWINT

consumers

areless

activeonpayment

user.53%

ofTWINT

users

arefemale.TWINT

users

aremore

interested

infood

anddining

than

other

mobilepayment

users.31%

ofTWINT

users

arelaggardswhenitcomes

to

innovation

adoption.TWINT

users

remember

seeing

adsonsocial

media

more

often

than

othermobile

payment

users.TWINT

hasalarger

shareof

users

withalow

income

thanother

mobile

paymentservices.Arelatively

highshare

ofTWINT

usersthink

thatrisingprices,

inflation&costTWINT

users

aremore

likely

tohavecooking

or

bakingasahobbythanother

of

livingareissues

thatneed

tobemobile

payment

users.

addressed.TWINT

users

aremore

likely

toliveinsmall

towns

than

mobile

payment

usersingeneral.6Sources:Consumer

Insights

Global

as

of

June

2024CHAPTER

02Demographic

profile?

Generations?

Gender?

Education?

Income?

Household

classification?

Typeofcommunity?

LGBTQ+TWINT

has

a

high

share

of

users

that

are

part

of

GenerationZ

compared

to

thetotal

online

populationDemographic

profile:

generationsAgeof

consumersinSwitzerlandBrand

users29%39%27%5%6%Category

usersAllrespondents25%41%28%20%37%33%10%Generation

ZMillennialsGeneration

XBaby

Boomers8Notes:’’Howoldareyou?’’;

Single

Pick;"Which

ofthese

serviceshave

youused

in

the

past

12

months

to

pay

in

stores,

restaurants

or

other

points

ofsale

with

your

mobile

device

(e.g.,

smartphone)?";

Multi

Pick;

Base:

n=354

TWINTusers,n=538

mobile

payment

users,n=10,268

all

respondentsConsumer

Insights

Global

as

of

June

2024Sources:53%

of

TWINT

users

are

femaleDemographic

profile:

genderGenderofconsumersinSwitzerlandBrand

users47%53%Category

usersAllrespondents51%49%50%50%MaleFemale9Notes:’’Whatis

yourgender?’’;

Single

Pick;"Which

ofthese

serviceshave

youused

in

the

past12

months

topay

in

stores,restaurantsorotherpoints

ofsale

with

yourmobile

device

(e.g.,

smartphone)?";

Multi

Pick;Base:n=354TWINTusers,n=538

mobile

payment

users,n=10,268

all

respondentsConsumer

Insights

Global

as

of

June

2024Sources:41%

of

TWINT

users

have

a

technical

or

vocational

educationDemographic

profile:

educationConsumer’s

level

of

educationinSwitzerland41%39%32%27%21%19%19%17%16%16%13%10%8%5%

5%3%2%2%2%1%

1%Noformaleducation

/primary

schoolLower

secondary

UppersecondaryTechnical

/vocationaleducationBachelor

degree

Master

degree

Doctoral

degreeeducation

(noteligible

foreducation(eligible

foror

equivalentor

equivalentor

equivalentuniversity

study)

university

study)Brand

usersCategory

usersAllrespondents10

Notes:Sources:’’Whatis

the

highest

levelofeducation

youhave

completed?’’;

Single

Pick;"Which

ofthese

serviceshave

youused

in

the

past12

months

topay

in

stores,

restaurants

orotherpoints

ofsale

with

yourmobile

device

(e.g.,smartphone)?";

Multi

Pick;Base:n=354

TWINTusers,n=538

mobile

payment

users,n=10,268

all

respondentsConsumer

Insights

Global

as

of

June

2024TWINT

has

a

larger

share

of

users

with

a

low

income

than

other

mobile

paymentservicesDemographic

profile:

incomeShare

ofconsumersinSwitzerland

inthehigh,

middle,andlowthirdsof

monthlyhouseholdgrossincomeBrand

users37%35%28%Category

usersAllrespondents40%35%25%33%33%33%HighMiddleLow11

Notes:Sources:Recalculated

toonly

include

respondents

that

provide

income

information,

recodebased

on’’Monthly/annual

household

income

(local

currency)’’;Single

Pick;"Which

ofthese

serviceshave

youused

in

the

past

12

months

topay

in

stores,

restaurants

orother

points

ofsale

with

your

mobile

device

(e.g.,

smartphone)?";

Multi

Pick;

Base:

n=354

TWINT

users,n=538

mobile

payment

users,n=10,268

all

respondentsConsumer

Insights

Global

as

of

June

2024Compared

to

other

mobile

payment

users,

TWINT

users

are

relatively

likely

tolive

in

a

single

householdDemographic

profile:

household

classificationType

of

householdsin

whichconsumersinSwitzerland

live34%29%27%27%27%25%22%20%18%16%13%12%6%5%4%4%

4%Other3%2%

2%Multi-generationalfamily1%SinglehouseholdCoupleSingleparenthouseholdPartnersandchildrenTwo

or

morehouseholdrelated

adults

household

typesBrand

usersCategory

usersAllrespondents12

Notes:Sources:Typology

based

on’’household

size’’,’’household

constellation’’

and

’’children

under

the

age

of14

in

household’’;

Single

Pick;"Which

ofthese

serviceshave

youused

in

the

past

12

months

topay

in

stores,

restaurants

orotherpoints

ofsale

with

yourmobile

device

(e.g.,

smartphone)?";

Multi

Pick;Base:

n=354

TWINT

users,n=538

mobile

payment

users,

n=10,268

all

respondentsConsumer

Insights

Global

as

of

June

2024TWINT

users

are

more

likely

to

live

in

small

townsthan

mobile

payment

users

ingeneralDemographic

profile:

typeofcommunityCommunities

whereconsumersliveinSwitzerland37%32%31%30%29%26%23%22%19%18%17%15%Rural

communitySmall

townBrand

usersMedium-sized

townLarge

cityCategory

usersAllrespondents13

Notes:Sources:’’Inwhat

type

ofcommunity

do

youlive?’’;Single

Pick;

"Which

ofthese

serviceshave

youused

in

the

past

12

months

to

pay

in

stores,

restaurants

orother

points

ofsale

with

yourmobile

device

(e.g.,

smartphone)?";

Multi

Pick;Base:

n=354

TWINT

users,n=538

mobile

payment

users,n=10,268

all

respondentsConsumer

Insights

Global

as

of

June

20248%

of

TWINT

users

consider

themselves

part

of

the

LGBTQ+

communityDemographic

profile:

LGBTQ+LGBTQ+

statusof

consumersinSwitzerlandBrand

users8%8%7%87%88%6%Category

usersAllrespondents4%85%8%YesNoWould

rathernot

say14

Notes:Sources:’’Do

youconsider

yourself

partofthe

LGBTQ+community?’’;

Single

Pick;"Which

ofthese

services

have

youused

in

the

past12

months

to

pay

in

stores,

restaurantsorotherpoints

ofsalewith

yourmobile

device

(e.g.,smartphone)?";

Multi

Pick;Base:n=354

TWINTusers,n=538

mobile

payment

users,n=10,268

all

respondentsConsumer

Insights

Global

as

of

June

2024CHAPTER

03Consumer

lifestyle?

Lifevalues?

Main

interests?

Hobbies

&leisure

activities?

Sportsactivities?

SportsfollowedCareer

advancement

is

less

important

to

TWINT

users

than

to

other

mobilepayment

usersConsumer

lifestyle:

lifevaluesMost

important

aspectsof

lifefor

consumersinSwitzerland53%51%47%46%38%43%38%37%41%42%40%39%30%32%31%27%27%28%27%24%25%24%23%22%15%11%

11%11%9%8%AhappyrelationshipAnhonest

andrespectable

lifeHavingagood

timeSafety

andsecurityMaking

myown

decisionsLearningnew

thingsSocial

justice

TobesuccessfulAdvancingmy

careerTraditionsBrand

usersCategory

usersAllrespondents16

Notes:Sources:’’Outofthe

following

list,

which

are

the

3mostimportant

aspects

toyouin

life?

Pleasechoose

exactly

3.’’;Multi

Pick;"Which

ofthese

serviceshave

youused

in

the

past

12

months

to

pay

in

stores,

restaurants

orother

pointsofsalewith

yourmobile

device

(e.g.,

smartphone)?";

Multi

Pick;Base:n=354

TWINTusers,n=538

mobile

payment

users,n=10,268

all

respondentsConsumer

Insights

Global

as

of

June

2024TWINT

users

are

more

interested

in

food

and

dining

than

other

mobile

paymentusersConsumer

lifestyle:

main

interestsTop10

interestsofTWINTusersinSwitzerland60%57%56%55%53%51%47%51%50%45%47%46%42%41%37%39%32%37%30%37%32%36%34%35%34%

33%29%33%32%30%TravelMovies,TVshows&musicFood

&diningHealth

&fitnessCareer

&educationScience

&technologySportsHome

&gardenPolitics&societyandcurrentworld

eventsFinance&economyBrand

usersCategory

usersAllrespondents17

Notes:Sources:’’Whattopics

are

youpersonally

interested

in?’’;Multi

Pick;"Which

ofthese

serviceshave

youused

in

the

past

12

months

to

pay

in

stores,

restaurants

orother

points

ofsale

with

your

mobile

device

(e.g.,smartphone)?";

MultiPick;Base:n=354

TWINTusers,n=538

mobile

payment

users,n=10,268

all

respondentsConsumer

Insights

Global

as

of

June

2024TWINT

users

are

more

likely

to

have

cooking

or

baking

as

a

hobby

than

othermobile

payment

usersConsumer

lifestyle:

hobbies

&leisure

activitiesTop10

hobbiesandleisure

activities

ofTWINTusersinSwitzerland58%52%52%47%45%51%49%49%46%43%46%45%43%42%42%36%42%41%41%37%30%33%32%31%29%26%31%29%28%23%SocializingTravelingReadingCooking/bakingOutdooractivitiesDoing

sportsandfitnessShoppingPetsTech

/computersVideo

gamingBrand

usersCategory

usersAllrespondents18

Notes:Sources:’’Whatare

your

personalhobbies

and

activities?’’;Multi

Pick;"Which

ofthese

serviceshave

you

used

in

the

past12

months

topay

in

stores,restaurantsorotherpoints

ofsalewith

yourmobile

device

(e.g.,

smartphone)?";Multi

Pick;Base:n=354

TWINT

users,n=538

mobile

payment

users,n=10,268

all

respondentsConsumer

Insights

Global

as

of

June

2024TWINT

users

are

more

likely

to

go

hiking

than

other

mobile

payment

usersConsumer

lifestyle:

sports

activitiesTop10

sports

activitiesofTWINTusersinSwitzerland33%30%27%26%25%25%23%22%20%19%18%17%

16%14%15%15%14%10%14%13%10%13%

13%10%9%9%9%7%7%6%HikingFitness,aerobics,

cardioRunning/joggingSwimming/DivingCyclingDancingYoga

/pilatesSoccerBadmintonBasketballBrand

usersCategory

usersAllrespondents19

Notes:Sources:’’Which

ofthese

sports

oractivities

do

youdo

at

leastoccasionally?’’;Multi

Pick;"Which

ofthese

serviceshave

youused

in

the

past

12

months

to

pay

in

stores,

restaurants

orother

points

ofsale

with

your

mobile

device

(e.g.,smartphone)?";

Multi

Pick;Base:n=216

TWINTusers,n=303

mobile

payment

users,n=5,542

all

respondentsConsumer

Insights

Global

as

of

June

2024TWINT

users

follow

similar

sports

leagues,

teams,

and

competitions

asusers

ofother

mobile

payment

servicesConsumer

lifestyle:

sports

followedTop10

sports

followed

byTWINTusersinSwitzerland26%25%23%11%12%13%12%11%11%10%9%9%9%8%8%8%7%7%7%7%7%7%6%6%6%6%5%5%5%3%SoccerIceHockeyTennisMotorsportsCyclingBoxingAthletics(track&

field)BasketballAmericanfootballMixedMartial

ArtsBrand

usersCategory

usersAllrespondents20

Notes:Sources:’’Inwhich

ofthese

sports

do

youfollow

competitions,

leagues

orteams?’’;Multi

Pick;"Which

ofthese

serviceshave

youused

in

the

past12

months

topay

in

stores,

restaurants

orotherpoints

ofsale

with

yourmobile

device(e.g.,

smartphone)?";

Multi

Pick;Base:n=131

TWINTusers,n=198

mobile

payment

users,n=3,547

all

respondentsConsumer

Insights

Global

as

of

June

2024CHAPTER

04Consumer

attitudes?

Attitudestowards

personal

finances?

Innovation

adoption?

Challenges

facing

thecountry?

Politics21Itstands

out

that

only

41%

of

TWINT

users

could

imagine

doing

their

financesexclusively

viasmartphoneConsumer

attitudes:financeAgreementwithstatements

towards

financeinSwitzerland41%39%31%28%27%26%25%24%23%20%19%17%16%16%16%Icould

imaginedealing

Onlinefinancialservices

New

financialtopics,Iftheservice

is

good,Icould

savealot

ofwith

my

financialtransactionsexclusively

abouthandling

my

ownviamy

smartphone

financeshavemademe

confidentsuchascrypto

andNFTs,fascinatemeI’mhappy

topayforaccount

administration

from

afinancial

expertandtransactionsmoney

ifItook

adviceBrand

usersCategory

usersAllrespondents22

Notes:Sources:’’Which

ofthese

statements

apply

toyou?’’;

Multi

Pick;"Which

ofthese

serviceshave

youused

in

the

past12

months

topay

in

stores,

restaurants

orotherpoints

ofsale

with

yourmobile

device

(e.g.,

smartphone)?";

MultiPick;Base:n=354

TWINTusers,n=538

mobile

payment

users,n=1,711

all

respondentsConsumer

Insights

Global

as

of

June

202431%

of

TWINT

users

are

laggards

whenit

comes

to

innovation

adoptionConsumer

attitudes:innovation

adoptionInnovation

adopter

typesbasedonstatements

towards

innovation

byconsumersinSwitzerland44%42%38%31%27%25%22%17%15%13%12%12%2%1%1%InnovatorsEarly

adoptersBrand

usersEarly

majorityCategory

usersLatemajorityAllrespondentsLaggards23

Notes:Sources:Recode

based

on’’Which

ofthese

statements

regardingtechnology

apply

to

you?’’;

Multi

Pick;

"Which

ofthese

serviceshave

youused

in

the

past12

months

to

pay

in

stores,

restaurants

orotherpoints

ofsale

with

yourmobile

device

(e.g.,

smartphone)?";

Multi

Pick;Base:n=354

TWINT

users,n=538

mobile

payment

users,n=10,268

all

respondentsConsumer

Insights

Global

as

of

June

2024A

relatively

high

share

of

TWINT

users

think

that

rising

prices,

inflation

&

cost

ofliving

are

issues

that

need

to

be

addressedConsumer

attitudes:challenges

facingthecountryThe

10

most

important

issuesfacing

Switzerland

accordingtoTWINTusers60%52%49%36%41%40%38%38%

36%33%35%31%36%35%35%35%31%25%30%29%22%23%22%26%21%19%23%22%21%20%Rising

prices/inflation/cost

of

livingHealth

andsocial

securityHousingEnvironment

Climatechange

ImmigrationPovertyEconomicsituationEducationCrimeBrand

usersCategory

usersAllrespondents24

Notes:Sources:’’Whatdo

youpersonally

think

are

the

mostimportant

issues

in

yourcountry

ofresidence

that

need

to

be

addressed?’’;MultiPick;"Which

ofthese

serviceshave

youused

in

the

past

12

months

to

pay

in

stores,

restaurantsorother

points

ofsale

with

yourmobile

device

(e.g.,smartphone)?";

Multi

Pick;Base:

n=354

TWINTusers,n=538

mobile

payment

users,

n=10,268

all

respondentsConsumer

Insights

Global

as

of

June

2024Many

TWINT

users

have

centrist

political

viewsConsumer

attitudes:politicsPolitical

attitudes

ofconsumersinSwitzerlandBrand

users23%22%37%26%33%14%Category

usersAllrespondents33%12%18%33%31%18%LeftCenterRightPrefer

nottoanswer25

Notes:Sources:Recode

based

on’’Manypeople

use

the

terms’left’

and

’right’when

they

want

to

describe

political

views.Where

would

youplace

yourself

ona

scale

fromleft

to

right?’’;

Single

Pick;"Which

ofthese

serviceshave

youused

inthe

past

12

months

topay

in

stores,

restaurants

orother

points

ofsale

with

yourmobile

device

(e.g.,smartphone)?";

MultiPick;Base:

n=354

TWINTusers,n=538

mobile

payment

users,

n=10,268

all

respondentsConsumer

Insights

Global

as

of

June

2024CHAPTER

05Marketing

touchpoints?

Social

media

usage?

Media

usagebychannel?

Digitaladvertising

touchpoints?

Non-digital

advertising

touchpointsTWINT

consumers

are

less

active

on

social

media

than

the

average

mobilepayment

userMarketing

touchpoints:social

media

usageSocial

mediausageinSwitzerland

bybrand74%72%69%69%64%63%59%59%54%44%40%32%31%31%22%30%28%28%27%23%16%15%20%19%13%11%6%10%7%

7%Instagram

YouTubeFacebookTikTokPinterestLinkedInSnapchat

X(Twitter)AllrespondentsRedditTwitchBrand

usersCategory

users27

Notes:Sources:’’Whatsocial

media

platforms

do

youuse

regularly?This

does

notinclude

instant

messengerssuch

as

WhatsApp.’’;

Multi

Pick;

"Which

ofthese

serviceshave

youused

in

the

past12

months

topay

in

stores,

restaurants

orotherpoints

ofsale

with

yourmobile

device

(e.g.,

smartphone)?";

Multi

Pick;Base:n=67

TWINTusers,n=88

mobile

payment

users,

n=1540

all

respondentsConsumer

Insights

Global

as

of

June

2024TWINT

users

tend

to

listen

to

digital

music

content

more

often

than

the

averageconsumerMarketing

touchpoints:media

usagebychannelType

of

mediaconsumersinSwitzerland

havebeen

usinginthepast4weeks79%78%65%77%76%74%69%64%64%

59%61%60%55%49%49%48%46%44%43%42%42%42%42%42%41%34%40%39%35%31%25%24%23%DigitalvideocontentTVDigitalmusiccontentRadioOnlinenewswebsitesMagazinesPodcastsOnlinemagazinesDailynewspapersMovies

/cinemaWeeklynewspapersBrand

usersCategory

usersAllrespondents28

Notes:Sources:’’Whatkind

ofmedia

have

youused

in

the

past

4weeks?’’;

Multi

Pick;

"Which

ofthese

serviceshave

youused

in

the

past

12

months

to

pay

in

stores,

restaurants

orother

points

ofsale

with

yourmobile

device

(e.g.,smartphone)?";

Multi

Pick;Base:n=354

TWINTusers,n=538

mobile

payment

users,n=10,268

all

respondentsConsumer

Insights

Global

as

of

June

2024TWINT

users

remember

seeing

ads

on

social

media

more

often

than

othermobile

payment

usersMarketing

touchpoints:digitaladvertising

touchpointsTop10

placeswhereTWINTusersinSwitzerland

have

come

across

digital

advertisinginthepast4weeks59%55%45%54%49%45%43%47%47%43%36%40%34%33%26%32%

33%22%30%27%23%28%27%27%23%23%23%20%19%18%Video

portalsSocial

media

Search

engines

OnlinestoresWebsitesandappsof

brandsEditorialwebsitesandappsNewslettersMusicportals

Video

streaming

Video

gamesservicesBrand

usersCategory

usersAllrespondents29

Notes:Sources:’’Wherehave

youcomeacrossdigital

advertisements

in

the

past4

weeks?’’;

Multi

Pick;"Which

ofthese

serviceshave

youused

in

the

past12

months

topay

in

stores,restaurantsorotherpoints

ofsale

with

yourmobiledevice

(e.g.,

smartphone)?";

Multi

Pick;Base:

n=354

TWINT

users,n=538

mobile

payment

users,n=10,268

all

respondentsConsumer

Insights

Global

as

of

June

2024TWINT

users

remember

ads

they

saw

in/at

the

movies/cinema

less

often

thanother

mobile

payment

usersMarketing

touchpoints:non-digital

advertising

touchpointsPlaces

whereconsumersinSwitzerland

havecome

across

non-digital

advertisinginthepast4weeks60%54%46%46%45%45%43%41%40%37%37%35%34%34%35%33%32%30%30%28%29%23%18%16%OnadvertisingspacesDirectly

inthestoreOnTVBy

mailshot

/advertisingmailInprintedmagazinesandjournalsOntheradioInprinteddailynewspapersAtthemovies/cinemaon

the

goBrand

usersCategory

usersAllrespondents30

Notes:Sources:’’Wherehave

youcomeacrossnon-digital

advertisements

in

the

past4weeks?’’;

Multi

Pick;"Which

ofthese

serviceshave

youused

in

the

past

12

months

topay

in

stores,

restaurants

oro