Just do it yourself.

Thirty minutes on Google is more than enough to figure it out.

It’s very simple.

The second option.

The first sets your price anchor too low and there’s nowhere to go for discounts etc.

Not to mention, most people will choose the free shipping option if given both choices.

When interest rates go up, loans are less attractive.

That inevitably means that applicants will be higher risk on average.

The banks haven’t necessarily shrunk the buy box.

It COULD mean more opportunity for alternative lenders, but the net effect after accounting for an overall lower demand for lending is probably still a downward trend.

Realistically speaking you’re not likely to find any real concrete numbers to use.

Research like that would have been bought and paid for by a company that intends to use it. You won’t find it for free.

Anecdotally, I can tell you that a business that refuses to take card in 2023 is not long for this world.

Especially not in retail or small ticket service.

If they insist they don’t want to pay fees, they could set up with a company that offers surcharge processing and offer it to clients without cash.