This document provides an overview and summary of the report "Alternative Payment Systems in the U.S., 2nd Edition". The report examines the size and growth of the alternative payments market in the context of the ecommerce and overall payments markets. It defines alternative payments and describes various types including peer-to-peer payments and e-wallets. The report provides market data on transaction volumes for different categories of alternative payments from 2006-2010 and forecasts growth to 2015. It also profiles major competitors and analyzes trends in the marketplace including the rise of mobile payments and changing consumer demographics and preferences.

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Alternative Payment Systems in the U.S., 2nd Edition
June 1, 2011
There has been a gold rush into alternative payments from prospectors seeking to dig
up the next PayPal. But as with past gold rushes, there have been many claims with few
successes. Despite history’s lessons, with every new “gold rush” come new hopes of
striking a rich consumer vein. It is all enough to make one’s head spin trying to parse
out the various payment types and business models.
In addition, the alternative payments landscape is morphing, particularly in the eyes of
consumers. It is no longer just the underlying mechanism that is important—equally
important is the consumer perception of the payment. What’s more, mobile payments (a
subset of alternative payments), are quickly becoming a viable platform ready to
explode with merchant and consumer adoption forever changing the payments
landscape.
In this second-edition of The Alternative Payment Systems Industry in the U.S.,
Packaged Facts presents an in depth examination of the U.S. alternative payments
business. The report presents the size and growth of the market and puts it in context to
both the business-to-consumer (B2C) ecommerce market and the total “consumer”
payments market including card payments and electronic payments (online bill
payment). Special regard is given to the activity of top players and the varied upstarts,
particularly in mobile payments, hoping to steal share and further alter the old school
payments paradigm. Major key competitors are profiled, along with a focused analysis
of consumer payment demographics and preferences.
Note: Packaged Facts defines alternative payments as entirely electronic and
predominantly conducted over the Internet though not all are conducted through the
ACH network. Generally, alternative payments exclude all forms of paper and any debit
or credit card where the purchase or remittance is made directly with that medium. The
most common alternative payments are consumer-to-business purchases and peer-to-
peer, also referred to as person-to-person (P2P) payments.
Research Methodology
These report data were obtained from government sources, trade associations and
publications, business journals, company literature, investment reports and interviews of
industry players. In most cases, market data span the 2006-2010 period.

2. TABLE OF CONTENTS
Chapter 1: Executive Summary
Report Scope
Alternative Payments Part of Overall Payments Industry
Paper Payments
Card Payments
Electronic Payments
Alternative Payments Defined
Methodology
Alternative Payments Market Data and Sources
Consumer Spending Data and Sources
Business-to-Consumer Revenues Defined
Consumer Spending Comparison to Business-to-Consumer Revenues
Payments Market Data and Sources
Overlap Between Card and Electronic Payments
Card Payment Data and Sources
Electronic Payment Types by Code Used for Electronic Payment Market
Alternative Payments Market Size and Growth
Figure 1-1: Total Alternative Payment Dollar Volume and Percentage of Total
Business-to-Consumer eCommerce Revenue, 2006-2010 (billions $, percent)
“Pure Play” Alternative Payment Dollar Volume
Figure 1-2: Total Pure Alternative Payment Dollar Volume and Percentage of
Total Business-to-Consumer eCommerce Revenue, 2006-2010 (billions $,
percent)
Card-Funded Alternative Payment Dollar Volume
Figure 1-3: Total Card Funded Alternative Payment Dollar Volume and
Percentage of Total Business-to-Consumer eCommerce Revenue, 2006-2010
(billions $, percent)

3. Total Alternative Payment Dollar Volume to Reach $127 Billion
Figure 1-4: Total Card Payment Dollar Volume and Percentage of Total
Business-to-Consumer eCommerce Revenues Forecast, 2010-2015 (billions $,
percent)
“Pure Play” Alt Pay Dollar Volume Forecast to $53 Billion
Figure 1-5: Total Pure Alternative Payment Dollar Volume and Percentage of
Total Business-to-Consumer eCommerce Revenues Forecast, 2006-2010
(billions $, percent)
Card-Funded Alt Pay Dollar Volume Forecast to $75 Billion
Figure 1-6: Total Card Funded Alternative Payment Dollar Volume and
Percentage of Total Business-to-Consumer eCommerce Revenue, 2006-2010
(billions $, percent)
Competitive Landscape
Endless Alternative Payment Schemes
Peer-to-Peer and Direct Payments
Table 1-1: Selected U.S. Alternative Payment Competitors by Primary Scheme:
P2P and Direct Payment Processors, 2011
Delayed Billing, Recurring Payments and Layaway Schemes
Table 1-2: Selected U.S. Alternative Payment Competitors by Primary Scheme:
Non-Card Credit, Delayed, and Recurring Billing, 2011
Mobile Payments
Table 1-3: Selected U.S. Alternative Payment Competitors by Primary Scheme:
Mobile Payments, 2011
eWallets
Table 1-4: Selected U.S. Alternative Payment Competitors by Primary Scheme:
eWallets, 2011
Payment Competitors Goals Shift Dramatically
Mobile Will Bridge Online and Offline
In the Meantime, PayPal Continues to Dominate
Selected Alt Pay Competitive Activity
Mobile Payments Promise Still Unmet

4. Consumers & Merchants Stuck in a Rut
Apple May Jumpstart Mobile Payments
Consumer and Merchant Tool in One
iTune Accounts Points to Strong Potential Consumer Base
Customer Adoption of Mobile
Select NFC Mobile Alt Pay Activity
Marketplace Trends
Economic Crisis Not So Bad For Alt Pay
PCE, Card Spending Down, but Alt Pay Up 12%
Figure 1-7: U.S. Gross Domestic Product and Personal Consumption
Expenditures, 2000-2010 (billions $)
By 2010 Everyone on the Rebound
Signs of Economic Improvement
Consumers Continue Warming to Electronic Alt Pay
Greener Attitudes
Cards Still Dominate but Alt Pay Making Strides
Card Networks and Issuers Feel the Heat
PayPal Open to Real World
MasterCard Introduces a Plan Similar to PayPal X
Bill Me Later Supplants Card Issuers
Google Casts a Large Shadow
Checkout by Amazon Simplifies
Nacha’s Secure Vault Payments Catches a Big Fish
Social Media Enters the Fray
Virtual Goods Purchase Increasing
Merchants Still Lagging in Offering Alt Pay
Mobile Pay Marketplace Trends
Increase in Smartphones Signals Mobile Payments Time

5. Chaotic for the Foreseeable Future
Mobile Payments Bring Alt Pay Offline
Millenials Will Drive Mobile Pay
PayPal Currently in Leadership Position
Banks Shouldn’t Miss the Opportunity
Mobile Pay loves iPhone
Start-ups Getting Foot In Door
Consumer Protections Challenged by Mobile Payments
Is Mobile Alt Pay the End for Cash, Check and Credit Cards?
Consumer Usage and Profile
Consumers Continue Shifting Away from Paper Payments
Table 1-5: Consumer Bill Pay Preferences: Forms Used Always, 2009-2010 (%)
Online Payments Far Outstrip Card Payments
Alternative Payment Brand Focus: PayPal Penetration Stalling?
Selected Demographics Profiles
Online Bill Pay Users Have Prized Characteristics
Recession Effect on Gen-Y
Women May Now be Leading Edge in Payments
Asians and West Coast Pop for Use
The Trifecta: Educated, White-Collar and Home Owners
Table 1-6: Demographic Characteristics by Forms Always and Sometimes Used:
Online Bill Payment, 2010 (index)
Stark Contrast between Online Payment and Check User Profile
Table 1-7: Demographic Characteristics by Forms Always and Sometimes Used:
Check, 2010 (index)
PayPal User Profile Aligns with Online Payment Profile
Indications that Women Are Prime PayPal Users
Asians and West Coast Pop for Use

6. PayPal Users are Educated, Financially above Average, White-Collar and Home
Owners
Table 1-8: Demographic Characteristics of PayPal Users: Last 7 Days and last
30 Days, 2010 (index)
Connection between Internet Usage and Income
Figure 1-8: Comparison of Broadband Access at Home, Cell Phone Ownership,
and Internet Usage by Income Brackets of General Population, 2010
Chapter 2: The Market
Report Scope
Alternative Payments Part of Overall Payments Industry
Paper Payments
Card Payments
Electronic Payments
Alternative Payments Defined
Methodology
Alternative Payments Market Data and Sources
Consumer Spending Data and Sources
Business-to-Consumer Revenues Defined
Consumer Spending Comparison to Business-to-Consumer Revenues
Payments Market Data and Sources
Overlap Between Card and Electronic Payments
Card Payment Data and Sources
Electronic Payment Types by Code Used for Electronic Payment Market
eCommerce Market Size and Growth
Total B2C eCommerce Tops $332 Billion
Figure 2-1: Total Business-to-Consumer eCommerce Revenue, by Service and
Retail Sectors, 2006-2010 (in billions $)
Table 2-1: Total Business-to-Consumer eCommerce Revenue, by Service and
Retail Sectors, 2006-2010 (in billions $)

7. Figure 2-2: Share of Business-to-Consumer eCommerce Revenue, by Retail and
Service Sectors, 2006-2010 (percent)
eCommerce Growth Increases Penetration of Consumer Spending
Figure 2-3: Penetration of Business-to-Consumer eCommerce Revenues to Total
Business-to-Consumer Revenues by Retail and Service Sectors, 2006-2010
(percent)
The Evolving Payments Market
A Market in Flux as Technologies Change
Electronic Payments Begin to Rival Cards
Electronic Payments Growth Eclipses Card Payments…Sort of
Electronic Payments at $3.7 Trillion in 2010
Total Card Payment Dollar Volume
Figure 2-4: Total Consumer Electronic Payment Dollar Volume and Percentage
of Total Business-to-Consumer Revenues, 2006-2010 (trillions $, percent)
Figure 2-5: Total Card Payment Dollar Volume and Percentage of Total
Business-to-Consumer Revenues, 2006-2010 (trillions $, percent)
Table 2-2: Total Card Payment Dollar Volume and Percentage of Total Business-
to-Consumer Revenues, 2006-2010 (billions $, percent)
Payments Mix in U.S. Elusive
Figure 2-6: U.S. Business-to Consumer Revenues Payments Mix, 2010 (percent)
Alternative Payments Market Size and Growth
Alternative Payment Dollar Volume
Share Gains Hit Double Digits
Figure 2-7: Total Alternative Payment Dollar Volume and Percentage of Total
Business-to-Consumer eCommerce Revenue, 2006-2010 (billions $, percent)
PayPal Accounts for Bulk
Figure 2-8: PayPal and Bill Me Later Combined Share of Total U.S. Alternative
Payment Dollar Volume, 2010 (%)
Pure Play Alternative Payment Dollar Volume

8. Figure 2-9: Total Pure Alternative Payment Dollar Volume and Percentage of
Total Business-to-Consumer eCommerce Revenue, 2006-2010 (billions $,
percent)
Card-Funded Alternative Payment Dollar Volume
Figure 2-10: Total Card Funded Alternative Payment Dollar Volume and
Percentage of Total Business-to-Consumer eCommerce Revenue, 2006-2010
(billions $, percent)
Economic Recession Effect on Alternative Payments
Modest Positive Growth in Spite of Economic Woes
Table 2-3: Total Alternative Payment Dollar Volume by Funding Type, 2006-2010
(billions $, percent)
Figure 2-11: Share of Alternative Payment dollar Volume by Funding Source:
Non-Card versus Card Funded, 2006-2010 (percent)
Market Forecast
eCommerce Market Forecast to Hit $647 billion by 2015
Muted Economic Recovery to Keep Growth Modest
Retail eCommerce Growth Faster Than Service
Growth May Pick Up in 2012
Beyond 2012 Picture Murky
Figure 2-12: Total Business-to-Consumer eCommerce Revenue, by Service and
Retail Sectors, 2010-2015 (in billions $)
Table 2-4: Total Business-to-Consumer eCommerce Revenue, by Service and
Retail Sectors, 2000-2007 (in billions $)
Electronic Payments to Hit $5.2 Trillion
Figure 2-13: Total Consumer Electronic Payment Dollar Volume and Percentage
of Total Business-to-Consumer Revenues Forecast, 2010-2015 (percent)
Card Payments Near $4.6 Trillion
Figure 2-14: Total Card Payment Dollar Volume and Percentage of Total
Business-to-Consumer Revenues Forecast, 2010-2015 (percent)
Table 2-5 Total Electronic & Card Payment Dollar Volumes and Total B2C
Revenues, 2006-2010 (billions $, percent)
Total Alternative Payment Dollar Volume to Reach $127 Billion

9. Slower Economic Rebound Slows Payment Growth
PayPal Remains the Leader
Figure 2-15: Total Card Payment Dollar Volume and Percentage of Total
Business-to-Consumer eCommerce Revenues Forecast, 2010-2015 (percent)
Mobile Payments Emerging
Mobile Payment Outlook
“Pure Play” Alt Pay Dollar Volume Forecast to $53 Billion
Figure 2-16: Total Pure Alternative Payment Dollar Volume and Percentage of
Total Business-to-Consumer eCommerce Revenues Forecast, 2006-2010
(billions $, percent)
Card-Funded Alt Pay Dollar Volume Forecast to $75 Billion
Figure 2-17: Total Card Funded Alternative Payment Dollar Volume and
Percentage of Total Business-to-Consumer eCommerce Revenue, 2006-2010
(billions $, percent)
Table 2-6: Total Alternative Payment Dollar Volume by Funding Type, 2006-2010
(billions $, percent)
Chapter 3: Competitive Landscape
A Note on Chapter Scope
Elastic Marketplace
Will Further Stretch
Endless Alternative Payment Schemes
Peer-to-Peer and Direct Payments
Table 3-1: Selected U.S. Alternative Payment Competitors by Primary Scheme:
P2P and Direct Payment Processors, 2011
Delayed Billing, Recurring Payments and Layaway Schemes
Table 3-2: Selected U.S. Alternative Payment Competitors by Primary Scheme:
Non-Card Credit, Delayed, and Recurring Billing, 2011
Mobile Payments
Table 3-3: Selected U.S. Alternative Payment Competitors by Primary Scheme:
Mobile Payments, 2011
eWallets

10. Table 3-4: Selected U.S. Alternative Payment Competitors by Primary Scheme:
eWallets, 2011
Payment Competitors Goals Shift Dramatically
Mobile Will Bridge Online and Offline
In the Meantime, PayPal Continues to Dominate
Bill Me Later Joins PayPal, Loses Amazon.com
American Express Quells Revolution
Revolution Hype
Revolution Lacked of Focus or Compelling Benefit
Revolution’s Uphill Battle
Conceding Defeat
American Express Launches Serve
Is Google Checkout Checking Out?
AdWords and Checkout Growing Pains
Google Making a Play?
See What Sticks
Visa, MasterCard Still Eager to Be in the Game
Visa Nabs CyberSource
MasterCard Answers with DataCash
Visa Enters Gaming Payments Market
Mobile Payments Promise Still Unmet
Confusion Reigns
Consumers & Merchants Stuck in a Rut
Catch-22 of Acceptance
Apple May Jumpstart Mobile Payments
34 NFC-Related Patents
Consumer and Merchant Tool in One
iTune Accounts Points to Strong Potential Consumer Base

11. Customer Adoption of Mobile
Nokia Phones to Have NFC
Google Thinking Mobile with Android
Isis a Viable Threat
Apple’s Edge is Branding and Loyalty
Cards and Banks Sticker Efforts Nearly Non-Threatening
Merchant Adoption of NFC Remains Unclear
Card Networks Made Some Strides
Apple Already Testing NFC for Small Biz
Again, Things Change Quickly
Google Developing Special Cash Register?
Is This Just a Classic Rivalry at Work?
Imagine a World with Apple Payments
Conservative Estimate at $820 Million Online in 2012
Figure 3-1: Potential Apple, Inc. Payment Platform Gross Dollar Volume by
Online and Offline Purchases, 2012-2015 (millions $)
Table 3-5: Potential Apple, Inc. Payment Platform Gross Dollar Volume by Online
and Offline Purchases, 2012-2015 (millions $)
Multiple Players May Create Critical Mass in Mobile Payment Adoption
Chapter 4: Selected Corporate Profiles
PayPal, Bill Me Later (eBay, Inc.)
PayPal, Bill Me Later Performance
Payments Revenues
Figure 4-1: PayPal and Bill Me Later Combined Global Net Payment Transaction
Revenues and Payment Dollar Volume Take Rate, 2006-2010 (millions $, %)
Table 4-1: PayPal and Bill Me Later Combined Global Net Payment Transaction
Revenues and Year-over-Year Percentage Change, 2006-2010 (millions $, %)
Transactions

12. Figure 4-2: PayPal and Bill Me Later Combined Global Total Payment
Transaction Volume and Average Revenue per Transaction, 2006-2010 (millions,
$)
Table 4-2: PayPal and Bill Me Later Combined Global Total Payment
Transactions and Average Revenue per Transaction ($), 2006-2010 (in millions)
Dollar Volume
Figure 4-3: PayPal and Bill Me Later Combined Global Total Payment Dollar
Volume and Average Dollar Value per Transaction ($), 2006-2010 (in billions $)
Table 4-3: PayPal and Bill Me Later Combined Global Payment Dollar Volume
and Average Value per Transaction, 2006-2010 (millions $, $)
U.S. Payment Dollar Volume
Figure 4-4: PayPal and Bill Me Later Combined U.S. Total Payment Dollar
Volume and Percentage of Total U.S. Alternative Payment Dollar Volume, 2006-
2010 (in billions $)
Table 4-4: PayPal and Bill Me Later Combined U.S. Payment Dollar Volume and
Year-over-Year Percentage Change, 2006-2010 (millions $, $)
Active Accounts
Figure 4-5: PayPal and Bill Me Later Combined Global Total Active Accounts and
Average Number of Transactions per Active Account, 2006-2010 (millions, no.)
Table 4-5: PayPal and Bill Me Later Combined Global Active Accounts and
Average Transactions per Active Account, 2006-2010 (millions $, $)
PayPal Volume
Figure 4-6: PayPal Total Global Dollar Volume and Share of Total eBay
Payments Dollar Volume, 2006-2010 (billions $, %)
Bill Me Later Volume
Figure 4-7: Bill Me Later Global Dollar Volume and Share of Total eBay
Payments Dollar Volume, 2006-2010 (millions $, %)
Table 4-6: PayPal and Bill Me Later Global Payment Dollar Volume and
Combined Payment Dollar Volume on a Pro Forma Basis, 2006-2010 (millions $,
$)
Amazon Payments
FaceCash
Google Checkout

13. mFoundry
Obopay
PayNearMe, Inc
PlaySpan, Inc.
PlaySpan Performance
Figure 4-8: PlaySpan, Inc. Revenue, 2006-2010 (millions $)
Secure Vault Payments
Zong, Inc.
Other Alternative Payment Players
Table 4-7: Other Alternative Payment Players to Watch, 2011
Chapter 5: Marketplace Trends in Alternative Payments
Payments Industry Suffers Due to Economy
For Alt Pay, Not So Bad
Looking Back at the Great Recession
PCE, Card Spending Down, but Alt Pay Up 12%
Figure 5-1: U.S. Gross Domestic Product and Personal Consumption
Expenditures, 2000-2010 (billions $)
By 2010 Everyone on the Rebound
Figure 5-2: U.S. Gross Domestic Product and Personal Consumption
Expenditures Year-over-Year Percentage Change, 2000-2010 (billions $)
Consumer Sentiment Foretells Lower Consumer Spending
Figure 5-3: University of Michigan’s Consumer Sentiment Index (CSI) and
Alternative of Labor Underutilization (U-6), 2007-2010
Signs of Economic Improvement
Expectations Higher, But Still Cautious
Figure 5-4: U.S. Gross Domestic Product and Personal Consumption
Expenditures Forecast, 2010-2015 (billions $)
Figure 5-5: U.S. Gross Domestic Product and Personal Consumption
Expenditures Year-over-Year Percentage Change Forecast, 2010-2015 (billions
$)

14. Figure 5-6: Retail Sales per Capita and U.S. Population, 2000-2010 (thousands
$, millions persons)
Figure 5-7: eCommerce Retail Sales per Capita and Percent of Retail Sales per
Capita, 2000-2010 ($, %)
Alternative Pay, a Dynamic Market
Consumers Warming to Electronic Alt Pay
Generational Equilibrium in Certain Payment Related Areas
Greener Attitudes Want Less Paper
Growth in Online Shopping Driving Alt Pay
Cards Still Dominate eCommerce but Alt Pay Making Strides
Card Networks and Issuers Feel the Heat
Card Players Go into Acquisition Mode
PayPal Open to Real World…and Virtual Opportunities
Bill Me Later Supplants Card Issuers
Google Casts a Large Shadow
Checkout by Amazon Simplifies
Card Payments Seek Alliances
Tapping into Established Technology to Drive Consumer Interest
MasterCard Introduces a Plan Similar to PayPal X
NACHA’s Secure Vault Payments Catches a Big Fish
Social Media Enters the Fray
Virtual Goods Purchase Increasing
P2P Opportunity in Virtual
Merchants Still Lagging in Offering Alt Pay
But Many Other Merchants Benefits
eCommerce Fraud Rates
Abandonment Issues
Demographics Defy Merchant Perceptions

15. eLayaway Notes Steady in Average Income of Users
Merchant Education Important
Looking Ahead
Chapter 6: Mobile Pay Marketplace Trends
Goodbye Landline, Hello Wireless
Increase in Smartphones Signals Mobile Payments Time
Mobile Payments Already Have Impressive Penetration
Chaotic for the Foreseeable Future
Customer Confusion Near Term Result
Mobile Payments Bring Alt Pay Offline
Changing the Shopping Environment
Millennials Will Drive Mobile Pay
PayPal Currently in Leadership Position
Banks Shouldn’t Miss the Opportunity
Mobile Pay as Point of Differentiation
Mobile Pay loves iPhone
Start-ups Getting Foot In Door
Start-up Jumio Brings Much Needed Attitude
Other Start-Ups Focus on Ease
It’s a “Look at Me” World
Consumer Protections Challenged by Mobile Payments
Is Mobile Alt Pay the End for Cash, Check and Credit Cards?
Chapter 7: Consumer Payment Preferences and Attitudes
Note on Experian Simmons Consumer Data
Robust Consumer Payment Options with Variety of Methods and Forms
Consumer Bill Pay Methods: Mail Continues to Dwindle
Variety and Simplicity of Other Methods Making Mail Obsolete

16. Recession Leads to Resurgence in Certain Methods
Table 7-1: Consumer Bill Pay Preferences: Methods Used, 2007-2010 (%)
Great Recession Had Great Effect on Payments
Payment Forms Sees Similar Shifting Away from Paper
Table 7-2: Consumer Bill Pay Preferences: Forms Used Always, 2009-2010 (%)
Online Payments Far Outstrip Card Payments
Consumers Comfortable Using Variety of Forms
Table 7-3: Consumer Bill Pay Preferences: Forms Used Sometimes, 2009-2010
(%)
Consumer Bill Pay Demographic Characteristics
Demographics of Online Bill Pay Users
Recession Effect on Gen-Y
Women May Now be Leading Edge in Payments
Asians and West Coast Pop for Use
The Trifecta: Educated, White-Collar and Home Owners
Table 7-4: Demographic Characteristics by Forms Always and Sometimes Used:
Online Bill Payment, 2010 (index)
Credit Card Profile Similar to Online but Skews Older
Table 7-5: Demographic Characteristics by Forms Always and Sometimes Used:
Credit Card, 2010 (index)
Stark Contrast between Online Payment and Check User Profile
Table 7-6: Demographic Characteristics by Forms Always and Sometimes Used:
Check, 2010 (index)
Cash, Debit/Pre-Paid and Money Order Profile Points to Newbies and
Challenged
Gen-X, Minorities, Lower Incomes
Debit/Pre-Paid Also Shows Similarities with Credit Card Users
Table 7-7: Demographic Characteristics by Forms Always and Sometimes Used:
Cash, 2010 (index)

17. Table 7-8: Demographic Characteristics by Forms Always and Sometimes Used:
Pre-Paid/Debit Card, 2010 (index)
Table 7-9: Demographic Characteristics by Forms Always and Sometimes Used:
Money Order, 2010 (index)
The Mysterious “Other” Portion of Consumers
Table 7-10: Demographic Characteristics by Forms Always and Sometimes
Used: Other, 2010 (index)
Alternative Payment Focus: PayPal
Penetration Stalling?
Table 7-11: Consumer Use of PayPal, 2007-2010 (%)
Research Finds PayPal Has Strongest Consumer Recognition
PayPal User Profile Aligns with Online Payment Profile
Gen Y Pops for PayPal
Indications that Women Are Prime PayPal Users
Asians and West Coast Pop for Use
Table 7-12: Demographic Characteristics of PayPal Users: Last 7 Days and last
30 Days, 2010 (index)
PayPal Users are Educated, Financially above Average, White-Collar and Home
Owners
Possible Demographic Shifts for Other Alt Pay Brands
Connection between Internet Usage and Income
Figure 7-1: Comparison of Broadband Access at Home, Cell Phone Ownership,
and Internet Usage by Income Brackets of General Population, 2010
High Income Internet Users Engage in Online Shopping and Financial
Management
Figure 7-2: Comparison of Broadband Access at Home, Cell Phone Ownership,
and Internet Usage by Income Brackets of General Population, 2010
Consumer Attitudes by Payment Preference
Attitudes About Shopping: Savvy Value Shoppers
Table 7-13: Response to Shopping Statements by Bill Payment Types, 2010
(index)

18. Traditional Payment Form Users less Savvy
Attitudes About Personal Finance: Insecurity
Table 7-14: Response to Personal Finance Statements by Bill Payment Types,
2010 (index)
Attitudes About The Internet and Internet LIfestyle
PayPal, Online Bill Payers More Engaged Shoppers
Table 7-15: Response to Internet Related Statements by Bill Payment Types,
2010 (index)
Appendix
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