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Management Memos

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Always On Sale?
Could be Good For You!

Click or Tap to see June Management Memos

A new survey by PayPal has 68% of Australian shoppers always on the lookout for a sale or discount.

Unless you can live on just 32% of the market, your merchandising will have to pitch at these buyers. Read on ...

Catch Up on Selected Previous Editions

Thumbnail Image May - Planning Your Sales Team
Thumbnail Image March - Selling Is Changing

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Management Memos is published monthly by My Red Zebra, and McNicol Williams Management & Marketing Services as a service to owners and operators of Small and Medium Businesses. Editions appear on,, and





Credit Card Use Declines, as Young Australians Switch to New Methods


You'd know Dun & Bradstreet. Would you know their new name 'Illion'? Their new report indicates a mass-shift in the way Australians finance their purchases.

According to this report, Australian consumers under the age of 30 hold over half of all 'buy now - pay later' accounts, but just 10 per cent of total credit cards.

This changing payments system landscape means that retailers will have to consider offering more payment options.

“With evolving forms of repayments offering consumers more choice in an increasingly fragmented and competitive credit system, Australia is at the tipping point of its credit card cycle,” Illion chief executive Simon Bligh said.

While a majority of under 30s still hold a credit card (57 per cent), the long term trend is changing in favour of BNPL (Buy Now - Pay Later) options.


And what is your business clue from this news? Look at who is buying from you, and plan to add new payment methods ahead of demands from customers!

Contact us to discuss this key issue without any obligation.

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