Over three-quarters of Americans now own a credit card, and considering the range of perks and rewards they come with, paying by plastic feels like a no-brainer. And research has found that now, people are using them to pay for purchases that come to as little as $5.

We know that seamless payments can affect how we splash out, but could they also impact how we feel about the things we’re buying? Canvas8 sat down with Dr. Avni Shah, co-author of ‘Paper or Plastic?’, to understand how the method by which we pay influences product satisfaction and brand loyalty.

Britons love to receive rewards for shopping, yet while 89% are signed up to at least one loyalty programme, just half actually take advantage of these initiatives. The Bink app simplifies brands’ schemes to get people earning and cashing in their points – but what puts them off in the first place?

Saddled with student debt, Gen Yers have been known to tread carefully when spending, meaning brands have often had to revise traditional advertising tactics in order to remain appealing. But new research has found that certain Gen Y spending habits are actually quite costly.