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US in-store card users will be more than 90% of population by 2023

The forecast: US in-store payment card users will represent 91.0% of the population by 2023, with 68.6% being debit card users, 60.2% being credit card users, and 17.1% being prepaid card users.

In-store cash users’ share of the population fell sharply between 2019 and 2020, from 80.4% to 76.4%. This decline will continue, though at a smaller rate, with 76.0% of the population using cash by 2023.

Beyond the chart:

  • There will be 193.4 million debit card users by 2023, outpacing credit card’s 169.8 million users in the same time period.
  • The number of cash and check users will decline to 214.4 million in 2023 from 219.6 million in 2019.
  • Prepaid card users will increase to 48.2 million by 2023, up from 42.9 million in 2019, with the highest growth rate among card users at 14.3% between 2019 and 2020.