curl --request POST \
--url https://APPLICATION_ID.applications.lucidworks.com/ai/async-prediction/faq-enrichment/MODEL_ID \
--header 'Authorization: Bearer ACCESS_TOKEN' \
--header 'Content-type: application/json' \
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"text": "Global Travel Spending and Payment Trends in 2024\n\nGlobal tourism spending is expected to return to pre-pandemic levels in 2024. However, with inflation still affecting consumers, finding convenient and cost-effective payment methods remains a top priority for travelers. To understand payment preferences and behaviors, our Bank surveyed 1,800 consumers worldwide about their travel financing experiences and future spending plans. The findings highlight six key trends shaping how merchants can cater to global travelers.\n1. Cash Remains Essential\n\nWhile cash usage declined during the pandemic, it remains an important travel resource. Half of respondents use cash for purchases, while the other half carry it for emergencies. Asian travelers rely on cash the most—99% reported carrying it, compared to just 6% of total respondents who travel without it.\n2. Payment Choices Prioritize Ease, Deals, and Security\n\nTravelers select payment methods based on convenience, the best available deals, and security. Many prefer using cash-on-hand (e.g., debit) over credit or financing options like buy now, pay later.\n3. Travelers Plan Around Payment Acceptance\n\nAlthough credit cards are widely used, 73% of respondents have faced acceptance issues while traveling, with 42% choosing not to make a purchase as a result. To avoid complications, 72% plan ahead to ensure their preferred payment method is accepted, and 80% check for acceptance signage before spending.\n4. North American Travelers Favor Credit Cards\n\nWhile most global travelers prefer debit cards, North Americans rely heavily on credit—58% of respondents favor credit cards over debit (43%) or cash (40%).\n5. Airline-Branded Credit Cards Are Popular\n\nAmong travel-specific credit cards, airline-branded options are the most widely used, with 15% of cardholders relying on them. These cards are particularly popular in Asia and North America.\n6. Many Travelers Don't Maximize Their Rewards\n\nAlthough 43% of respondents have a travel rewards credit card, many don't use their points. Millennials are the most likely to leverage travel rewards, and international travelers are more likely to own a rewards card than domestic travelers. However, only 54% of rewards cardholders use their points for personal travel.\nBy understanding these trends, merchants can optimize payment options to attract and accommodate travelers worldwide."
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