Quarters Research Hub

Data Driven Research and Case Studies

Original research from the Quarters platform.

Latest Research

Original reports, data studies, and consumer insights

Consumer Spending Report cover

Consumer Spending March 2026

Quarters Consumer Spending Report 2026

How consumers spend, where loyalty forms, and what actually drives decisions. Analyzing millions of transaction dollars to reveal the $18K median annual spend, 73 merchants per consumer, and the behavioral patterns that predict wallet share.

Spending Habits Loyalty Wallet Share

Saving: Discipline or Design? cover

Personal Finance February 2026

Saving: Discipline or Design?

Why the problem isn't willpower — and what the data shows about how people actually spend.

Savings Behaviour

The Demographic Trap cover

Demographics April 2026

The Demographic Trap

Why targeting by age and income misses what actually predicts purchase intent — and what the data shows instead.

Segmentation Targeting

Predicting Churn cover

Behaviour Coming Soon

Predicting Churn: The Transition You Never See Coming

Consumers don't stop spending with you. They migrate. Real transaction data shows you have 60–245 days of warning — if you know where to look.

Retention Churn

Predicting Behaviour cover

Behaviour Coming Soon

Predicting User Behaviour: What Your Spending Is About to Tell Us Next

Every purchase is a signal about your next purchase. Transaction data doesn't just record history — it predicts it.

Predictive Signals

Ready to reach the right consumer at the right moment?

Quarters connects businesses with financially engaged consumers through targeted rewards that actually matter.

Learn more about Quarters