01 Trust in Digital Commerce

Trust shows up in actions. High participation in the digital economy demonstrates confidence – and frequent online shopping shows how deeply digital commerce is embedded in daily life.

Frequency of use

The digital checkout is never closed. Most consumers make online purchases once a month or more.

And for many, it’s even more frequent – with a large portion of consumers shopping online weekly.

But which generation turns browsing into buying – week in, week out?

Millennials lead the way, topping the charts for weekly online shopping.

And doing it daily? Here’s where Gen Z pulls ahead, with a notable number shopping online every day.

No country transacts more daily than Brazil.

Read the report to see why Brazil’s doing big business, and learn how to tap into the opportunity.

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  1. 0%
    Millennials
  2. 0%
    Gen Z
  3. 0%
    Gen X
  4. 0%
    Baby boomers
  5. 0%
    Silent generation
72%
Monthly+
0%
Weekly+
72%
Monthly+

I don’t think I’m alone in saying that Pix was my gateway to ecommerce. It started out as a really helpful way to manage my money and pay for things in ‘real life’ but ultimately it has given me access to the internet as a place I can buy anything, especially goods from other countries.

Gabriel

30, São Paulo

Fintech apps

Fintech is reshaping how we move and make money – but how are people using these tools?

33% of millennials use investment or wealth management apps at least once a week.

48% of Gen Z send peer-to-peer payments weekly – or even more often.

I first read about investment apps in an online network for professional women. I had never considered investing any of my money in the stock market but the barrier to entry was very low so I thought why not? Now I’m obsessed with how I can see my earnings grow over time.

Jess

38, Melbourne

Retail

In-store doesn’t mean offline; almost a third of shoppers check deals online as they browse.

Australia, Canada, Sweden, and New Zealand are home to the most mobile-savvy Gen Z shoppers.

The digital economy hasn’t replaced the high street. It’s reshaped it.

00%
GDP PPP PC
  1. $0
  2. $20,000
  3. $40,000
  4. $60,000
  5. $80,000
  6. $100,000
  1. 10%

  2. Gen Zs who check prices online while shopping in-store

  3. 60%
checkout.com insights

The digital economy never sleeps

The digital economy enables 24/7 shopping, letting consumers buy whenever it suits them best. During peak spending periods like Black Friday-Cyber Monday, transaction spikes varied by market. Hong Kong shoppers led early, with sales surging at 1 AM local time. In the UK, activity peaked at the start of the workday, while US consumers preferred prime-time browsing, with transactions peaking at 8 PM local time.

*All hours are local time, all data is from Checkout.com network data

When The World Checks Out

Peak shopping hours during Black Friday to Cyber Monday

Black Friday
Noon Sunday
Cyber Monday
Consumer usage

Gen Z shows growing online interest in a range of categories.

However, older generations show much more interest in government services and online retail.

  • Baby boomers

    30%

  • Gen Z

    30%
5%
Fintech
8%
Online gaming
10%
Insurance
15%
Food delivery
22%
Travel booking
24%
Government services
41%
Online retail
16%
16%
17%
24%
29%
19%
30%
  • 0%
  • 0%
Key takeaways

In a 24/7 digital economy, trust is earned through presence

Meeting customers where they are – and when they need you – is no longer optional.

  1. Think global, act local

    Customers want to pay their way. Offer the right payment methods in every market – from wallets to local payment methods such as Pix.

  2. Build an app that earns its place in-store

    Use location to trigger offers, let shoppers scan for reviews, and unlock loyalty perks they can’t get anywhere else.

  3. Show your performance promise at checkout

    Failed payments don’t just lose sales – they chip away at trust. Prioritize speed, reliability, and success to convert customers and keep them coming back.
02: Trust in the System