瑞士移動支付用戶分析報告：PostFinance App-外文版培訓(xùn)課件2024.7微信支付寶

CONSUMERS&BRANDSMobile

payment:

PostFinanceApp

users

in

SwitzerlandConsumer

Insights

reportJune2024Consumer

Insights

GlobalsurveyIntroductionReport

overviewGlobalsurveymethodology(1)Design:OnlineSurvey,

splitquestionnaire

designThisreport

offers

thereader

acomprehensiveoverview

ofPostFinance

App

users

inSwitzerland:

whothey

are;

what

theylike;

whatthey

think;

andhow

toreach

them.

Itprovides

insights

on

theirdemographics,

lifestyle,

opinions,andmarketingtouchpoints.Duration:

approx.

15

minutesLanguage:

official

language(s)

ofeach

country

withAmerican

Englishoffered

asanalternativeRegion:

56countriesAdditionally,thereport

allows

thereader

toNumberof

respondents:benchmark

PostFinanceApp

users

inSwitzerland(’’brandusers’’)

againstSwiss

mobile

payment

usersingeneral

(’’category

users’’),

and

theoverall

Swissconsumer,

labelled

as

’’all

respondents’’

inthe

charts.?

12,000+

forcountries

with

theextended

survey(including

Switzerland)?

2,000+

forthebasicsurveySample:

Internet

users,

aged18–64,quotasset

ongender

and

ageThereport

isupdatedquarterly

andisbased

on

datafrom

theConsumer

InsightsGlobal

survey,

anFieldwork:international

survey

thatcovers

more

than15,000brandsacross

56

countries.?

Continuousfrom

JanuarytoDecember?

Countries

thatreceive

theextended

survey

areupdatedfourtimesayear2Notes:(1):

Seethe

full

methodology

foradetailed

overviewofthe

study

designConsumer

Insights

Global

as

of

June

2024Sources:CHAPTER

01Management

summary?

Brand

usage?

Key

insightsPostFinance

App

is

the

seventh

most

used

mobile

payment

service

inSwitzerland

with

TWINT

in

first

placeManagement

summary:

brandusageand

competitionTop10

most

used

mobile

paymentservicesinSwitzerlandTWINTApplePay66%43%PayPal31%Google

Pay24%Migros

App12%10%10%8%Mastercard

Clickto

Pay(Masterpass)PostFinanceAppSamsungPayGarmin

Pay8%8%Swiss

Wallet4Notes:"Which

ofthese

serviceshave

youused

in

the

past

12

months

to

pay

in

stores,

restaurants

orother

points

ofsale

with

your

mobile

device

(e.g.,smartphone)?";

Multi

Pick;Base:

n=538

mobile

payment

usersConsumer

Insights

Global

as

of

June

2024Sources:The

share

of

mobile

payment

users

using

PostFinance

App

declined

by

13percentage

points

since

Q1

of

2021Management

summary:

brandusagetimelineTimeline

of

mobilepaymentusersusing

PostFinance

App23%23%20%20%19%17%16%13%13%12%11%11%10%2021

Q12021

Q22021

Q32021

Q42022

Q12022

Q22022

Q32022

Q42023

Q12023

Q22023

Q32023

Q42024

Q15Notes:"Which

ofthese

serviceshave

youused

in

the

past

12

months

to

pay

in

stores,

restaurants

orother

points

ofsale

with

your

mobile

device

(e.g.,smartphone)?";

Multi

Pick;Base:

n=35

-

103

PostFinance

App

users,n=273

-

584mobile

payment

usersSources:Consumer

Insights

Global

as

of

June

2024PostFinance

App

users

in

SwitzerlandManagement

summary:

key

insightsDemographic

profileConsumerlifestyleConsumerattitudesMarketing

touchpointsPostFinanceAppismore

popularamong

Generation

Zthanother

mobilepayment

services.Success

and

career

advancement

arerelatively

important

to

PostFinance

Appusers.Itstands

out

that27%

ofPostFinanceApp

users

think

thattheycould

savealot

ofmoney

ifthey

took

financialadvice.Snapchatis

more

popularamongPostFinanceAppusersthanthe

averagemobile

payment

user.54%

ofPostFinance

App

users

aremale.

Sportsisarelatively

prevalent

interestof

PostFinanceApp

users.PostFinanceAppusers

rememberseeing

adson

videostreaming

servicesmore

often

than

other

mobile

paymentusers.17%

ofPostFinance

App

users

areinthelatemajority

ofinnovation

adoptertypes.PostFinanceApphasalarger

shareofusers

with

ahigh

income

thanothermobile

payment

services.Petsarearelatively

popularhobbyamong

PostFinance

App

users.Arelatively

highshare

ofPostFinanceApp

users

think

thatunemployment

isanissuethatneeds

tobeaddressed.PostFinanceAppusers

andmobilepayment

users

ingeneral

arerelativelylikely

to

liveinlarge

cities.6Sources:Consumer

Insights

Global

as

of

June

2024CHAPTER

02Demographic

profile?

Generations?

Gender?

Education?

Income?

Household

classification?

Typeofcommunity?

LGBTQ+PostFinance

App

is

more

popular

among

GenerationZ

than

other

mobilepayment

servicesDemographic

profile:

generationsAgeof

consumersinSwitzerlandBrand

users31%44%21%4%Category

usersAllrespondents25%41%28%6%20%37%33%10%Generation

ZMillennialsGeneration

XBaby

Boomers8Notes:’’Howoldareyou?’’;

Single

Pick;"Which

ofthese

serviceshave

youused

in

the

past

12

months

to

pay

in

stores,

restaurants

or

other

points

ofsale

with

your

mobile

device

(e.g.,

smartphone)?";

Multi

Pick;

Base:

n=52PostFinance

App

users,n=538

mobile

payment

users,n=10,268

all

respondentsConsumer

Insights

Global

as

of

June

2024Sources:54%

of

PostFinance

App

users

are

maleDemographic

profile:

genderGenderofconsumersinSwitzerlandBrand

users54%46%Category

usersAllrespondents51%49%50%50%MaleFemale9Notes:’’Whatis

yourgender?’’;

Single

Pick;"Which

ofthese

serviceshave

youused

in

the

past12

months

topay

in

stores,restaurantsorotherpoints

ofsale

with

yourmobile

device

(e.g.,

smartphone)?";

Multi

Pick;Base:n=52PostFinance

App

users,n=538

mobile

payment

users,n=10,268

all

respondentsConsumer

Insights

Global

as

of

June

2024Sources:54%

of

PostFinance

App

users

have

a

college

degreeDemographic

profile:

educationConsumer’s

level

of

educationinSwitzerland40%39%32%27%27%21%19%16%13%13%12%10%8%5%4%4%3%2%

2%1%0%Noformaleducation

/primary

schoolLower

secondary

UppersecondaryTechnical

/vocationaleducationBachelor

degree

Master

degree

Doctoral

degreeeducation

(noteligible

foreducation(eligible

foror

equivalentor

equivalentor

equivalentuniversity

study)

university

study)Brand

usersCategory

usersAllrespondents10

Notes:Sources:’’Whatis

the

highest

levelofeducation

youhave

completed?’’;

Single

Pick;"Which

ofthese

serviceshave

youused

in

the

past12

months

topay

in

stores,

restaurants

orotherpoints

ofsale

with

yourmobile

device

(e.g.,smartphone)?";

Multi

Pick;Base:n=52

PostFinance

App

users,n=538

mobile

payment

users,n=10,268

all

respondentsConsumer

Insights

Global

as

of

June

2024PostFinance

App

has

a

larger

share

of

users

with

a

high

income

than

othermobile

payment

servicesDemographic

profile:

incomeShare

ofconsumersinSwitzerland

inthehigh,

middle,andlowthirdsof

monthlyhouseholdgrossincomeBrand

users44%33%22%Category

usersAllrespondents40%35%25%33%33%33%HighMiddleLow11

Notes:Sources:Recalculated

toonly

include

respondents

that

provide

income

information,

recodebased

on’’Monthly/annual

household

income

(local

currency)’’;Single

Pick;"Which

ofthese

serviceshave

youused

in

the

past

12

months

topay

in

stores,

restaurants

orother

points

ofsale

with

your

mobile

device

(e.g.,

smartphone)?";

Multi

Pick;

Base:

n=52

PostFinance

App

users,n=538

mobile

payment

users,n=10,268

all

respondentsConsumer

Insights

Global

as

of

June

2024Compared

to

other

mobile

payment

users,

PostFinance

App

users

are

relativelylikely

to

live

in

a

couple

householdDemographic

profile:

household

classificationType

of

householdsin

whichconsumersinSwitzerland

live35%

34%29%29%27%25%20%18%15%13%12%12%6%6%4%

4%4%4%2%

2%Multi-generationalfamily0%SinglehouseholdCoupleSingleparenthouseholdPartnersandchildrenTwo

or

moreOtherhouseholdrelated

adults

household

typesBrand

usersCategory

usersAllrespondents12

Notes:Sources:Typology

based

on’’household

size’’,’’household

constellation’’

and

’’children

under

the

age

of14

in

household’’;

Single

Pick;"Which

ofthese

serviceshave

youused

in

the

past

12

months

topay

in

stores,

restaurants

orotherpoints

ofsale

with

yourmobile

device

(e.g.,

smartphone)?";

Multi

Pick;Base:

n=52

PostFinance

App

users,n=538

mobile

payment

users,n=10,268

all

respondentsConsumer

Insights

Global

as

of

June

2024PostFinance

App

users

and

mobile

payment

users

in

general

are

relatively

likelyto

live

in

large

citiesDemographic

profile:

typeofcommunityCommunities

whereconsumersliveinSwitzerland32%31%31%31%29%26%23%22%19%19%19%17%Rural

communitySmall

townMedium-sized

townLarge

cityBrand

usersCategory

usersAllrespondents13

Notes:Sources:’’Inwhat

type

ofcommunity

do

youlive?’’;Single

Pick;

"Which

ofthese

serviceshave

youused

in

the

past

12

months

to

pay

in

stores,

restaurants

orother

points

ofsale

with

yourmobile

device

(e.g.,

smartphone)?";

Multi

Pick;Base:

n=52

PostFinance

App

users,n=538

mobile

payment

users,n=10,268

all

respondentsConsumer

Insights

Global

as

of

June

20246%

of

PostFinance

App

users

consider

themselves

part

of

the

LGBTQ+communityDemographic

profile:

LGBTQ+LGBTQ+

statusof

consumersinSwitzerlandBrand

users6%88%6%Category

usersAllrespondents8%88%4%7%85%8%YesNoWould

rathernot

say14

Notes:Sources:’’Do

youconsider

yourself

partofthe

LGBTQ+community?’’;

Single

Pick;"Which

ofthese

services

have

youused

in

the

past12

months

to

pay

in

stores,

restaurantsorotherpoints

ofsalewith

yourmobile

device

(e.g.,smartphone)?";

Multi

Pick;Base:n=52

PostFinance

App

users,n=538

mobile

payment

users,n=10,268

all

respondentsConsumer

Insights

Global

as

of

June

2024CHAPTER

03Consumer

lifestyle?

Lifevalues?

Main

interests?

Hobbies

&leisure

activities?

Sportsactivities?

SportsfollowedSuccess

and

career

advancement

are

relatively

important

to

PostFinance

AppusersConsumer

lifestyle:

lifevaluesMost

important

aspectsof

lifefor

consumersinSwitzerland58%51%47%38%43%42%41%40%40%39%38%33%32%30%28%24%24%27%27%

27%25%23%22%21%19%11%11%15%12%11%Anhonest

andrespectable

lifeSafety

andsecurityAhappyrelationshipTobesuccessfulHavingagood

timeSocial

justiceAdvancingmy

careerMaking

myown

decisionsLearningnew

thingsTraditionsBrand

usersCategory

usersAllrespondents16

Notes:Sources:’’Outofthe

following

list,

which

are

the

3mostimportant

aspects

toyouin

life?

Pleasechoose

exactly

3.’’;Multi

Pick;"Which

ofthese

serviceshave

youused

in

the

past

12

months

to

pay

in

stores,

restaurants

orother

pointsofsalewith

yourmobile

device

(e.g.,

smartphone)?";

Multi

Pick;Base:n=52

PostFinance

App

users,n=538

mobile

payment

users,n=10,268

all

respondentsConsumer

Insights

Global

as

of

June

2024Sports

is

a

relatively

prevalent

interest

of

PostFinance

App

usersConsumer

lifestyle:

main

interestsTop10

interestsofPostFinance

App

usersinSwitzerland53%47%51%51%50%48%48%46%46%47%46%45%42%39%38%37%37%37%37%35%34%30%35%

31%30%32%32%

32%30%25%Food

&diningHealth

&fitnessSportsTravelMovies,TVshows&musicHome

&gardenFashion&beautyFinance&economyScience

&technologyHistoryBrand

usersCategory

usersAllrespondents17

Notes:Sources:’’Whattopics

are

youpersonally

interested

in?’’;Multi

Pick;"Which

ofthese

serviceshave

youused

in

the

past

12

months

to

pay

in

stores,

restaurants

orother

points

ofsale

with

your

mobile

device

(e.g.,smartphone)?";

MultiPick;Base:n=52

PostFinance

App

users,n=538

mobile

payment

users,n=10,268

all

respondentsConsumer

Insights

Global

as

of

June

2024Pets

are

a

relatively

popular

hobby

among

PostFinance

App

usersConsumer

lifestyle:

hobbies

&leisure

activitiesTop10

hobbiesandleisure

activities

ofPostFinance

App

usersinSwitzerland57%56%47%49%48%48%42%45%46%45%44%44%43%43%42%42%41%41%37%37%36%37%35%32%30%Pets29%29%26%24%

24%ShoppingOutdooractivitiesTravelingCooking/bakingReadingDIYandarts&craftsDoing

sportsandfitnessSocializingTech

/computersBrand

usersCategory

usersAllrespondents18

Notes:Sources:’’Whatare

your

personalhobbies

and

activities?’’;Multi

Pick;"Which

ofthese

serviceshave

you

used

in

the

past12

months

topay

in

stores,restaurantsorotherpoints

ofsalewith

yourmobile

device

(e.g.,

smartphone)?";Multi

Pick;Base:n=52

PostFinance

App

users,

n=538

mobile

payment

users,

n=10,268

all

respondentsConsumer

Insights

Global

as

of

June

2024PostFinance

App

users

are

more

likely

to

go

cycling

than

other

mobile

paymentusersConsumer

lifestyle:

sports

activitiesTop10

sports

activitiesofPostFinance

App

usersinSwitzerland27%27%27%25%

25%20%25%22%19%19%19%18%17%17%16%15%15%15%14%10%14%13%13%12%10%10%9%9%7%6%CyclingHikingFitness,aerobics,

cardioBasketballRunning/joggingBadmintonSoccerDancingSwimming/DivingYoga

/pilatesBrand

usersCategory

usersAllrespondents19

Notes:Sources:’’Which

ofthese

sports

oractivities

do

youdo

at

leastoccasionally?’’;Multi

Pick;"Which

ofthese

serviceshave

youused

in

the

past

12

months

to

pay

in

stores,

restaurants

orother

points

ofsale

with

your

mobile

device

(e.g.,smartphone)?";

Multi

Pick;Base:n=31

PostFinance

App

users,n=303

mobile

payment

users,n=5,542

all

respondentsConsumer

Insights

Global

as

of

June

2024PostFinance

App

users

are

more

likely

to

follow

soccer

than

other

mobilepayment

usersConsumer

lifestyle:

sports

followedTop10

sports

followed

byPostFinance

App

usersinSwitzerland38%25%23%21%19%19%17%15%15%12%11%13%11%10%11%10%9%9%9%8%8%7%7%7%7%7%5%5%5%3%SoccerCyclingAmericanfootballBasketballAthletics(track&field)BoxingTennisMotorsportsIceHockeyMixedMartial

ArtsBrand

usersCategory

usersAllrespondents20

Notes:Sources:’’Inwhich

ofthese

sports

do

youfollow

competitions,

leagues

orteams?’’;Multi

Pick;"Which

ofthese

serviceshave

youused

in

the

past12

months

topay

in

stores,

restaurants

orotherpoints

ofsale

with

yourmobile

device(e.g.,

smartphone)?";

Multi

Pick;Base:n=24

PostFinance

App

users,n=198

mobile

payment

users,n=3,547

all

respondentsConsumer

Insights

Global

as

of

June

2024CHAPTER

04Consumer

attitudes?

Attitudestowards

personal

finances?

Innovation

adoption?

Challenges

facing

thecountry?

Politics21Itstands

out

that

27%

of

PostFinance

App

users

think

that

they

could

save

a

lotof

money

if

they

took

financial

adviceConsumer

attitudes:financeAgreementwithstatements

towards

financeinSwitzerland40%39%33%31%28%27%27%25%24%23%23%20%19%16%16%Icould

imaginedealing

Onlinefinancialserviceswith

my

financial

havemademe

confident

money

ifItook

advicetransactionsexclusively

abouthandling

my

own

from

afinancial

expertviamy

smartphone

financesIcould

savealot

ofNew

financialtopics,suchascrypto

andNFTs,fascinatemeIftheservice

is

good,I’mhappy

topayforaccount

administrationandtransactionsBrand

usersCategory

usersAllrespondents22

Notes:Sources:’’Which

ofthese

statements

apply

toyou?’’;

Multi

Pick;"Which

ofthese

serviceshave

youused

in

the

past12

months

topay

in

stores,

restaurants

orotherpoints

ofsale

with

yourmobile

device

(e.g.,

smartphone)?";

MultiPick;Base:n=52

PostFinance

App

users,n=538

mobile

payment

users,n=1,711

all

respondentsConsumer

Insights

Global

as

of

June

202417%

of

PostFinance

App

users

are

in

the

late

majority

of

innovation

adoptertypesConsumer

attitudes:innovation

adoptionInnovation

adopter

typesbasedonstatements

towards

innovation

byconsumersinSwitzerland42%42%38%27%25%22%21%17%17%15%15%12%4%2%1%InnovatorsEarly

adoptersBrand

usersEarly

majorityCategory

usersLatemajorityAllrespondentsLaggards23

Notes:Sources:Recode

based

on’’Which

ofthese

statements

regardingtechnology

apply

to

you?’’;

Multi

Pick;

"Which

ofthese

serviceshave

youused

in

the

past12

months

to

pay

in

stores,

restaurants

orotherpoints

ofsale

with

yourmobile

device

(e.g.,

smartphone)?";

Multi

Pick;Base:n=52

PostFinance

App

users,

n=538

mobile

payment

users,

n=10,268

all

respondentsConsumer

Insights

Global

as

of

June

2024A

relatively

high

share

of

PostFinance

App

users

think

that

unemployment

is

anissue

that

needs

to

be

addressedConsumer

attitudes:challenges

facingthecountryThe

10

most

important

issuesfacing

Switzerland

accordingtoPostFinance

App

users52%49%44%42%36%31%33%37%37%36%

35%35%31%30%35%31%35%33%31%29%27%27%25%

26%23%22%21%20%20%

20%Rising

prices/inflation/cost

of

livingHealth

andsocial

securityClimatechange

EnvironmentHousingImmigrationPovertyEconomicsituationCrimeUnemploymentBrand

usersCategory

usersAllrespondents24

Notes:Sources:’’Whatdo

youpersonally

think

are

the

mostimportant

issues

in

yourcountry

ofresidence

that

need

to

be

addressed?’’;MultiPick;"Which

ofthese

serviceshave

youused

in

the

past

12

months

to

pay

in

stores,

restaurantsorother

points

ofsale

with

yourmobile

device

(e.g.,smartphone)?";

Multi

Pick;Base:

n=52

PostFinance

App

users,n=538

mobile

payment

users,n=10,268

all

respondentsConsumer

Insights

Global

as

of

June

202437%

of

PostFinance

App

users

have

more

right

leaning

political

viewsConsumer

attitudes:politicsPolitical

attitudes

ofconsumersinSwitzerlandBrand

users25%29%37%33%10%12%Category

usersAllrespondents22%33%18%33%31%18%LeftCenterRightPrefer

nottoanswer25

Notes:Sources:Recode

based

on’’Manypeople

use

the

terms’left’

and

’right’when

they

want

to

describe

political

views.Where

would

youplace

yourself

ona

scale

fromleft

to

right?’’;

Single

Pick;"Which

ofthese

serviceshave

youused

inthe

past

12

months

topay

in

stores,

restaurants

orother

points

ofsale

with

yourmobile

device

(e.g.,smartphone)?";

MultiPick;Base:

n=52

PostFinance

App

users,n=538

mobile

payment

users,n=10,268

all

respondentsConsumer

Insights

Global

as

of

June

2024CHAPTER

05Marketing

touchpoints?

Social

media

usage?

Media

usagebychannel?

Digitaladvertising

touchpoints?

Non-digital

advertising

touchpointsSnapchat

is

more

popular

among

PostFinance

App

users

than

the

averagemobile

payment

userMarketing

touchpoints:social

media

usageSocial

mediausageinSwitzerland

bybrand100%74%63%72%71%64%59%

59%43%57%57%44%43%31%19%32%31%20%28%29%29%27%23%16%13%14%14%8%7%5%YouTube

Instagram

SnapchatTikTokFacebookPinterestBeReal.X(Twitter)LinkedInRedditBrand

usersCategory

usersAllrespondents27

Notes:Sources:’’Whatsocial

media

platforms

do

youuse

regularly?This

does

notinclude

instant

messengerssuch

as

WhatsApp.’’;

Multi

Pick;

"Which

ofthese

serviceshave

youused

in

the

past12

months

topay

in

stores,

restaurants

orotherpoints

ofsale

with

yourmobile

device

(e.g.,

smartphone)?";

Multi

Pick;Base:n=7

PostFinance

App

users,n=88

mobile

payment

users,n=1540

all

respondentsConsumer

Insights

Global

as

of

June

2024PostFinance

App

users

tend

to

go

to

the

movies

more

often

than

mobilepayment

users

in

generalMarketing

touchpoints:media

usagebychannelType

of

mediaconsumersinSwitzerland

havebeen

usinginthepast4weeks83%83%76%74%78%65%64%62%60%

59%

60%

60%58%56%

55%49%49%48%44%35%43%42%

42%42%42%40%40%

41%34%37%25%31%23%TVDigitalvideo

Digitalmusiccontent

contentRadioMagazinesMovies

/cinemaOnlinenewswebsitesDailynewspapersPodcastsOnlinemagazinesWeeklynewspapersBrand

usersCategory

usersAllrespondents28

Notes:Sources:’’Whatkind

ofmedia

have

youused

in

the

past

4weeks?’’;

Multi

Pick;

"Which

ofthese

serviceshave

youused

in

the

past

12

months

to

pay

in

stores,

restaurants

orother

points

ofsale

with

yourmobile

device

(e.g.,smartphone)?";

Multi

Pick;Base:n=52

PostFinance

App

users,n=538

mobile

payment

users,n=10,268

all

respondentsConsumer

Insights

Global

as

of

June

2024PostFinance

App

users

remember

seeing

ads

on

video

streaming

services

moreoften

than

other

mobile

payment

usersMarketing

touchpoints:digitaladvertising

touchpointsTop10

placeswherePostFinance

App

usersinSwitzerland

havecome

across

digitaladvertisinginthepast4weeks58%55%45%50%45%42%47%46%44%43%43%42%40%40%38%36%37%33%33%27%28%26%27%25%23%23%22%20%19%18%Video

portalsWebsitesandappsof

brandsSocial

media

Video

streaming

Onlinestores

Search

enginesservicesEditorialwebsitesandappsMusicportalsVideo

gamesNewslettersBrand

usersCategory

usersAllrespondents29

Notes:Sources:’’Wherehave

youcomeacrossdigital

advertisements

in

the

past4

weeks?’’;

Multi

Pick;"Which

ofthese

serviceshave

youused

in

the

past12

months

topay

in

stores,restaurantsorotherpoints

ofsale

with

yourmobiledevice

(e.g.,

smartphone)?";

Multi

Pick;Base:

n=52

PostFinance

App

users,n=538

mobile

payment

users,n=10,268

all

respondentsConsumer

Insights

Global

as

of

June

2024PostFinance

App

users

remember

ads

they

saw

in

printed

daily

newspapersmore

often

than

other

mobile

payment

usersMarketing

touchpoints:non-digital

advertising

touchpointsPlaces

whereconsumersinSwitzerland

havecome

across

non-digital

advertisinginthepast4weeks56%56%46%54%50%41%45%44%34%43%40%30%40%33%37%37%37%34%33%23%30%29%28%18%OnadvertisingspacesOnTVDirectly

inthestoreInprintedmagazinesandjournalsInprinteddailynewspapersOntheradioBy

mailshot

/

Atthemoviesadvertisingmail/cinemaon

the

goBrand

usersCategory

usersAllrespondents30

Notes:Sources:’’Wherehave

youcomeacrossnon-digital

advertisements

in

the

past4weeks?’’;

Multi

Pick;"Which

ofthese

serviceshave

youused

in

the

past

12

months

topay

in