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Consumer Post-Covid Spending Patterns Revealed by BigCommerce-PayPal Report

How and where people bought products evolved significantly during the Covid-19 pandemic, creating new opportunities for retailers to use new channels, fulfilment strategies, and payment options; according to the results of the latest survey undertaken by BigCommerce and PayPal.

While a majority of the 3,000 consumers surveyed from the United States, United Kingdom, and Australia stated how they still prefer in-person shopping, 62.5% of respondents identified their own shift towards online purchasing. Close to half said they’re discovering new products on social media at least once a month, and 66.7% of respondents said they’ve made a purchase directly through their phone at least once in the past month.

The findings call retailers to invest in an omnichannel sales and marketing strategy that provides convenient and consistent shopping experiences both in-store and online; with specific regards to social media.

As customers continue to move away from brick-and-mortar stores to digital commerce and increasingly use their phones to make purchases, an omnichannel strategy opens up the opportunity for retailers to reevaluate their sales and marketing strategies to ensure they’re meeting customers where they are the most likely to spend.

“For years, we’ve seen e-commerce continue to gain ground on traditional shopping. Online and digitised experiences have required retailers to quickly adapt to changing consumer shopping behaviours, and this was expedited in the pandemic,” said Greg Lisiewski, Vice President of Global Pay Later Products at PayPal. “Now more than ever, consumers want to be in control of how they pay, and they have a desire for friction-free, seamless digital shopping experiences regardless of which channel they are shopping in.”

How people pay for purchases is also changing. More consumers are using digital wallets both in-store and online. Prior to March 2020, digital wallets were the preferred payment option for 28.3% of online shoppers globally, but that jumped to 35.2% after March 2020. The increase for using digital wallets in-store was even greater, going from 12.1% to 22.8%.

Jim Herbert, GM and VP EMEA, BigCommerce
Jim Herbert, GM and VP EMEA, BigCommerce

BigCommerce GM and VP EMEA, Jim Herbert, added, “The pandemic has accelerated profound shifts in consumer behaviour. While in-store remains popular, shoppers are demanding flexible and easy payment options such as digital wallets, and hybridised ways of buying, including Click & Collect.

“This BigCommerce/PayPal survey data opens up rich opportunities for merchants. With in-depth understanding of customers’ preferred payment and purchase options, companies can better align their offerings to realise significant sales growth. Rather than looking at this as an either/or, with online and high-street vying for business, the answer is more nuanced. Shoppers are looking for a joined-up experience, across platforms, with their needs at the heard of it.”

Other key findings from the report that are worth noting include:

  • While 95.2% of respondents reported making at least one online purchase since March 2020, a slight majority across all regions reported a preference for in-person shopping. Despite that, 32.6% of U.S. respondents, 29.9% of UK respondents, and 29.7% of Australian respondents said the convenience of online shopping still trumps any drawbacks, and new options like buy online, pick-up in-store (BOPIS) are making it even more attractive.
  • As a preferred way to buy, BOPIS has grown substantially since March 2020, with a 373% increase in the U.S., where BOPIS has been slower to catch on compared to other countries.
  • The use of digital wallets rose in popularity during the pandemic with a global increase of 24.5% online and 88.7% for in-store purchases since March 2020. Respondents overwhelmingly commented that they’d prefer retailers make digital payment options more available.
  • Mid-market merchants are increasingly adopting buy now, pay later (BNPL) solutions for their e-commerce stores with Australia leading the way. Forty-eight percent of Australian merchants, 20% of U.S. merchants, and 11% of UK merchants currently offer BNPL options to customers.
  • Consumers are shopping mainly at large retailers or branded e-commerce stores. Of those polled, 58.2% said they shop at department stores, hypermarkets, or big-box retailers, while 31.9% said they purchase directly from the e-commerce stores of their favourite name brands.

Consumers appear to fall into two main categories when it comes to using these types of solutions: power users and slow adopters. Globally, 46% say they’ve used a BNPL option at least once in the past three months. However, just 10.1% globally say they’ve used it five or more times in that same time period. In Australia, that number jumps to 15.5%. 54% of global respondents — and 60.6% of U.S. respondents — have never used BNPL. Most said they were deterred by incurring fees or debt, or that they simply were not familiar with the option.

Merchants would be wise to educate consumers on the benefits of buy now, pay later solutions, especially interest-free payment options. Young consumers especially are now accustomed to subscription-based payment models. BNPL financing options fall into this same category.


  • Tyler is a fintech journalist with specific interests in online banking and emerging AI technologies. He began his career writing with a plethora of national and international publications.

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