There’s no shortage of pain points to catalog from the past six months: A global pandemic, worldwide economic disruption, record-breaking unemployment, an invasion by murder hornets — the hits never seem to stop. But the running theme through all of the frustration that 2020 has created is uncertainty and the feeling that one never quite knows what’s going to happen next. That means being adequately prepared for things feels impossible.
While PYMNTS has yet to perfect our proprietary crystal-ball technology, we’ve been surveying thousands of U.S. consumers across demographics and geographies for months about how their lives have changed (or not) since the pandemic began. And we’ve asked them how they envision what their lives as consumers will be when the pandemic is over.
As it turns out, there’s quite a bit we already know today about who consumers will be tomorrow — and what they’ll be looking for next. Here are nine key takeaways from our surveys:
9. Getting Back To Normal Is Going To Require A Vaccine
Consumers are mostly waiting for a COVID-19 vaccine before they get back to normal, according to PYMNTS/PayPal’s recently released survey data.
Some 38 percent report the primary thing they’ll need to see to get back to normal will be a vaccine’s wide availability. That compares with only 6 percent who said that an easing of government restrictions would be their primary cue to resume their old habits:
8. Digital Services Drive Commerce Decisions
Consumers aren’t merely shopping more digitally, but are choosing where they’ll shop based on the digital offering available to them, PYMNTS’ early fall survey found.
One-third of U.S. consumers (some 70 million Americans in total) report that they’re “very” or “extremely” likely to select a merchant based on the availability of suitable digital, touchless offerings. And that number swells to more than two-thirds (69 percent) when adding those who said they were “somewhat “likely to do so: 
7. Americans Are In This For The Long Haul
PYMNTS’ consumer studies early on in the pandemic showed that Americans originally thought COVID-19 was going to be a relatively short experience. As of March, they expected on average that the crisis would last about five months (or until about August).
But as of September, that estimate had grown to 11 more months before things return to some version of normal. That takes things out to 2021’s second half:
6. Going Out Shopping Might Become A Thing Of The Past
Going shopping as a dedicated activity is something consumers seem less and less likely to get back to doing, according to PYMNTS and Visa’s recently released How We Will Pay Study.
Many consumers are increasingly shopping using voice assistants while doing other activities. For example, consumers made 14 percent of voice-assisted purchases while doing the dishes, 12 percent while cleaning the house, 12 percent while watching TV and 11 percent while cooking meals.
Overall, the share of consumers making voice-activated purchases has risen to 13.8 percent from just 9.7 percent as recently as 2018:
5. Consumers Seriously Worry About Infecting Others (But Not Themselves)
Consumers are concerned with their health and have been since U.S. lockdowns first started up last spring, according to our initial consumer surveys.
However, that fear has consistently been more about fears of hurting other people’s health than their own. Some 71.1 percent of respondents reported early in the pandemic that they were worried about making their family or friends sick vs. 42.4 percent who expressed concerns they themselves might die.
And though those levels have shifted as time has passed (and vary based on demographic), fear of making others ill has consistently remained consumers’ leading concern:
4. Digital-First Will Be How Consumers Engage
Based on the results of one of our latest studies, an estimated 84 million U.S. consumers representing some $1 trillion of sales volume will shift some or all of their retail shopping to digital-first channels.
Similarly, some 40 million U.S. consumers representing some $112.5 billion of sales volume will do the same with some or all of their food ordering. And about 35 million consumers representing some $144 billion of sales volume will move some or all of their grocery shopping to digital-first.
3. Voice Commerce Is Here To Stay
Ownership of voice-activated devices by U.S. consumers has more than doubled over the past three years, according to PYMNTS/Visa data. Roughly a third of consumers own voice assistants today, compared to only 14 percent in 2017.
And with increased ownership has come increased commerce use cases, particularly in the COVID-19 era.
For example, 31 percent of the roughly one- third of consumers who own voice-activated devices report using them to make purchases: 
2.Consumers Are Watching Their (Digital) Wallets
COVID-19’s rapid economic impacts have left many consumers concerned about their finances, unsure whether they can make it through the pandemic in financial terms.
PYMNTs/PayPal data showed that 17 percent of consumers have no savings whatsoever, while another 30 percent have less than $2,500 stashed away for emergencies. Those concerns over being cash-strapped have persisted since the pandemic’s start, although consumer savings rates have improved:
1. Americans Want To Shop Contactlessly (But Not With Mobile Wallets)
That consumers value contactless commerce is undeniable by the numbers.
For instance, PYMNTS surveys have found that delivery was a leading capability that consumers want (cited by 66 percent of respondents). Curbside pickup came in second place at 58 percent.
However, the preference for contactless commerce doesn’t seem to include mobile-wallet acceptance, which fewer than 25 percent of survey respondents cited. Instead, consumers apparently have a preference for payments that involve never stepping into a store in the first place: 
