FOLIO Payments & Remittances Study 1
How Consumers Perceive and Evaluate Mobile Payments, Transfers, and Remittance Experiences
March 3 – March 8, 2026
Study Topic and Objective
Payments & Remittances Study 1 examined how consumers perceive and evaluate the user experience of mobile payment apps, money transfer services, and cross-border remittance platforms. The study sought to identify where user beliefs about platform design (what they predict others will prefer) diverge from personal preference — revealing which design decisions, fee structures, trust signals, and communication approaches are genuinely valued versus merely assumed to be popular.
Who Participated
Age Breakdown
Mobile Banking Relationship
Weekly Spending
Payment Frequency (Past 30 Days)
Fee/FX Familiarity
What Was Asked
100 polls across 7 question format types.
Where Participants Were From
Top 7 countries + remaining participants. Strong Global South representation — not representative of US-domestic payment audiences.
What is FOLIO?
FOLIO is a gamified market research platform. We run short daily polls on brand messaging + product experiences where members from our globally diverse panel first predict what they think the majority will choose (perceived consensus), then share their own answer (personal preference).
That gap between these two signals can surface insights that standard surveys often miss, such as if a brand/product/experience is personally liked but perceived as unfavorable, or seen as favorable by others but not personally preferred.