This podcast covers the Prosper Insights & Analytics December 2025 Consumer Snapshot which presents findings from its extensive survey tracking consumer behaviors and expectations. The key findings reveal that economic confidence is rebounding from the previous month but remains below pre-pandemic and year-ago levels, consistent with a "healing, not healed" narrative.

Consumer spending intentions are categorized as stable but subdued, yet shoppers are showing a slight reduction in strict frugality, suggesting an openness to small indulgences.

Furthermore, consumer happiness remains steady, and there is a noticeable rise in membership loyalty to value-driven platforms, especially Walmart+, which saw a sharp increase in adoption.