Point-of-Sale (POS) Financing Consumer Survey
Understand how shoppers evaluate financing offers, compare repayment structures, and navigate approval moments, so you can sharpen acquisition, optimize pricing, and improve conversion across merchant, lender, and embedded finance channels.
CONTEXT & RELEVANCE
Why run this survey now
Most shoppers don't abandon POS financing purely on interest rates. They disengage due to unclear fees, intrusive data requests, slow approvals, repayment anxiety, and weak merchant explanations, none of which fully show up in application logs or NPS.
If you are...
- Consumer lending leadership
- Embedded finance product teams
- Merchant partnership managers
- Credit risk strategists
RESEARCH THEMES
What This Survey Investigates
Eight interconnected research themes that map the complete POS financing journey from awareness to repayment advocacy.
Awareness & Discovery
- Financing source awareness
- Merchant communication visibility
Purchase Context
- Category and basket value
- Planned versus urgent purchases
Offer Evaluation
- Cost and tenure trade-offs
- Provider and merchant credibility
Application & Approval
- Form and verification friction
- Approval speed expectations
Pricing & Affordability
- Fee and interest comprehension
- Monthly payment comfort
Trust & Transparency
- Lender and merchant confidence
- Disclosure clarity and control
Repayment Experience
- Payment management and reminders
- Support and flexibility needs
Loyalty & Advocacy
- Repeat financing intention
- Provider recommendation drivers
SAMPLING STRATEGY
Tell us about your ideal sample
Help us understand your target respondent profile. Select what applies, we'll design the optimal sample plan based on your inputs.
METHODOLOGY
Survey approach
For Point-of-Sale (POS) Financing Consumer Survey, we recommend a digital-first quantitative approach across shopper segments and merchant categories, with flexible data-collection modes to balance reach, depth, and verification.
EXECUTION PROCESS
How we execute
A proven 9-step process from scoping to delivery, designed to ensure quality, speed, and actionable insights.
Define the decision frame
Confirm objectives, target cohorts, geographies, and reporting cuts
Define the decision frame
Design the instrument
Build workstream modules mapped to outputs (drivers, friction, pricing, retention, trust)
Design the instrument
Lock the questionnaire
Review wording, sequencing, LOI, and competitive context; approve final version
Lock the questionnaire
Pilot and calibrate
Test comprehension and ease quality; refine quotas and remove friction where needed
Pilot and calibrate
Run fieldwork
Execute collection with active quota management and feasibility controls
Run fieldwork
Assure quality
Dedupe, attention checks, speed/consistency rules, removals with audit trail
Assure quality
Prepare the dataset
Clean data and deliver codebook/variable definitions
Prepare the dataset
Analyse and synthesise
Driver ranking, leakage diagnostics, pricing bands, segment insights
Analyse and synthesise
Deliver and align
Executive deck (optional dashboard) and leadership readout with recommendations
Deliver and align
COMMERCIAL TERMS
Request a Commercial Proposal
Pricing depends on cohort, geography, sample size, approach, LOI, and deliverables. Configure below for an indicative estimate.
Select Sample Size
Geography
Select Mode of Survey
Length of the Interview
$0.00
+ applicable taxes
Cost Breakdown
Note: Estimate is indicative only. Final pricing is subject to scope finalization after discovery call.
REFERENCE CASELETS
Reference
Real-world examples of survey work in the consumer financing and payments space.
Checkout Credit Message Testing Across Retail Categories (India)
OBJECTIVE
WHAT WE DID
DELIVERED
Checkout Credit Message Testing Across Retail Categories (India)
Installment Plan Design and Affordability Segmentation (Southeast Asia)
Checkout Credit Message Testing Across Retail Categories (India)
OBJECTIVE
A pan-India retail lender needed to understand how first-time borrowers , repeat credit users , and cash-preferring shoppers interpreted checkout credit messages across electronics, appliances, fashion, and healthcare purchases before selecting competing payment options.
WHAT WE DID
We ran a structured online survey with 1,200 recent shoppers, balancing category, age, city tier, and prior borrowing. We captured message clarity , trust , fee comprehension , lender consideration, and stated selection under randomized concept exposure.
DELIVERED
The work produced a message territory map , preference map , and category-level channel levers , showing which proof points, disclosures, and lender cues resonated by shopper segment without claiming downstream commercial performance.
FREQUENTLY ASKED QUESTIONS
Common Questions
Answers to frequently asked questions about this survey mandate.
What decisions will this survey enable?
Who is the buyer vs who are the respondents?
Can we see differences between first-time borrowers, repeat users and eligible non-users?
How will you measure financing preference beyond simple ratings?
Will the survey map the full POS financing journey and drop-offs?
Can this survey inform product and pricing strategy?
How will findings improve our checkout financing conversion?
Still have questions?
Schedule a discovery call to discuss your specific needs and get a custom quote.