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UK consumers are still spending, but how they shop, pay and discover products is diverging sharply across regions and generations, according to new data from ESW.

The findings form part of the global launch of ESW Signals, ESW’s new insights platform exploring evolving consumer behaviour, international commerce and digital shopping trends worldwide.

Consumers are most comfortable with AI when it improves convenience or helps find value. While 48% are open to AI-led price comparison and 42% to AI-powered deal finding, enthusiasm drops sharply when automation moves closer to payment. Only 26% of consumers are comfortable with AI-powered payments, while 53% are uncomfortable. 
 
The research also highlights a growing gap between product discovery and purchasing. More than four in ten UK consumers (43%) of UK consumers now discover products through social media platforms, rising to 72% among Gen Z shoppers. However, only 29% trust social commerce checkout experiences, while 35% still prefer shopping directly through brand or retailer websites.
 
Payment trust remains firmly rooted in traditional methods, with cards the dominant and most trusted payment method and PayPal consistently ranking second.  Nearly a third of UK consumers have used BNPL services in the past year, rising to 44% among Millennials and 40% among Gen Z shoppers, despite BNPL remaining among the least trusted payment methods.

International shopping remains popular, but consumers continue to be deterred by fulfilment challenges. More than half of UK consumers (53%) say long delivery times are the biggest barrier to international purchases, while 48% cite shipping costs and 27% say duties and taxes deter purchases. 

Meanwhile, value-conscious shopping is also accelerating recommerce behaviour as more than one in five UK consumers now buy second-hand items frequently, rising to 36% among Gen Z shoppers. 

Jonathan Sheard, Regional VP of Sales, UK and Nordics, ESW said: 

“Consumers are discovering products in more places and shopping internationally more frequently, but they still expect the purchase experience itself to feel trusted, transparent and reliable. For brands, that means growth increasingly depends on delivering localised customer experiences that reflect different consumer expectations market by market.”  

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