Kaiser supported Mastercard’s latest whitepaper, Pathways to Financial Health, through market-specific analysis, financial health scoring methodologies, and bespoke research across participating markets. Explore key findings:

• Consumers with consistent usage demonstrate significantly higher transaction activity versus access-only users

• Early onboarding experiences strongly influence long-term engagement

• Trust, reliability, and customer support are critical drivers of adoption and retention

• Education and behavioral incentives can help consumers build healthy financial habits over time