Payment Pulse

Join hosts Steve and Max on this enlightening episode of Payment Pulse, a Clearent by Xplor podcast, where they break down the hidden forces behind consumer spending in 2025. In today’s micro-series installment, the duo dives deep into the social factors that drive purchasing decisions—from the undeniable power of social proof and status spending to the FOMO effect that fuels impulse buys.

How do consumers decide when to spend, save, or swipe their cards? In this episode of Payment Pulse, we explore the microeconomics behind consumer spending decisions—breaking down the psychology of trade-offs, budgeting, and incentives that shape how we pay.

From credit card rewards to the rise of Buy Now, Pay Later (BNPL), we uncover why certain payment methods drive more spending and how businesses can use these insights to better serve their customers. 

Why do people choose card over cash? How do pricing, technology, and behavioral economics influence purchasing decisions? We answer these questions and more in this deep dive into consumer payment habits. 

Say hello to the Payment Pulse Podcast! In this episode, Max and Steve introduce the purpose behind this podcast and what listeners can expect in future episodes.