{
  "docId": "019dd923-5ca1-7489-b639-625431cc230d",
  "docSlug": "9b78e1b83eafc5d1",
  "documentTitle": "US Credit Card Issuer Performance 1Q 2023",
  "authorId": "McKinsey",
  "authorName": "McKinsey",
  "documentKindSlug": "consulting-deck",
  "documentKindLabel": "Consulting deck",
  "sourceTypeSlug": "strategy_consulting",
  "sourceTypeLabel": "Strategy consulting",
  "presentationDate": null,
  "orientation": "landscape",
  "aspectRatio": 1.778,
  "pageNumber": 25,
  "pageCount": 37,
  "prevPage": 24,
  "nextPage": 26,
  "slideType": "diagnosis",
  "function": "diagnose",
  "density": "dense",
  "nDataPoints": 12,
  "notes": "The slide uses a grouped bar chart structure to contrast two segments of credit cardholders across five behavioral metrics.",
  "elementsJson": [
    "headline_text",
    "subtitle_text",
    "bar_chart_horizontal"
  ],
  "metadataConfidence": 1,
  "imagePath": null,
  "slideHref": "/slides/019dd923-5ca1-7489-b639-625431cc230d/25",
  "deckHref": "/decks/019dd923-5ca1-7489-b639-625431cc230d",
  "deckJsonHref": "/decks/019dd923-5ca1-7489-b639-625431cc230d.json",
  "deckAnchorHref": "/decks/019dd923-5ca1-7489-b639-625431cc230d#slide-25",
  "components": [
    {
      "bbox": null,
      "kind": "callout",
      "text": "Some of this is due to lack of discipline on savings/spending and spending on impractical things",
      "attrs": null,
      "subkind": null,
      "toolName": "Visual emphasis",
      "toolSlug": "visual-emphasis",
      "confidence": null,
      "componentId": "019dd951-d3bc-73c4-a2ad-cce431c1f7b4",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.5,
        "w": 0.9,
        "x": 0.04,
        "y": 0.35
      },
      "kind": "chart",
      "text": "Comparison of financial behaviors between POS lending users and non-users",
      "attrs": null,
      "subkind": "bar-horizontal",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "8121d42d-c8c1-42bb-86fb-3b7b6b305337",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.04,
        "w": 0.05,
        "x": 0.68,
        "y": 0.85
      },
      "kind": "metric",
      "text": "80%",
      "attrs": null,
      "subkind": "big-number",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "00825256-86bd-4395-b249-33c84205c507",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.04,
        "w": 0.05,
        "x": 0.38,
        "y": 0.85
      },
      "kind": "metric",
      "text": "20%",
      "attrs": null,
      "subkind": "big-number",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "9fcb83cc-b789-4e59-9dd3-829039da2cca",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": null,
      "kind": "metric",
      "text": "Percent of cardholders: 93%",
      "attrs": null,
      "subkind": "primary",
      "toolName": "Quantification",
      "toolSlug": "quantification",
      "confidence": null,
      "componentId": "019dd951-d3bc-73c4-a2ad-d00b9a212146",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.03,
        "w": 0.7,
        "x": 0.04,
        "y": 0.12
      },
      "kind": "paragraph",
      "text": "Some of this is due to lack of discipline on savings/spending and spending on impractical things",
      "attrs": null,
      "subkind": "paragraph",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "d0892a0b-adf7-430c-ba66-5e7840d8c80d",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.02,
        "w": 0.25,
        "x": 0.04,
        "y": 0.95
      },
      "kind": "source-note",
      "text": "Source: McKinsey Consumer Financial Life Survey",
      "attrs": null,
      "subkind": null,
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "d44f0d5b-22ce-4242-8aa6-ce36b626e4cf",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.08,
        "w": 0.9,
        "x": 0.04,
        "y": 0.03
      },
      "kind": "title",
      "text": "Credit cardholders that use POS lending tend to have much more tenuous financial situations",
      "attrs": null,
      "subkind": "headline",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "79c060aa-f614-4bbd-99da-ba917daca3d4",
      "frameworkName": null,
      "frameworkSlug": null
    }
  ],
  "metrics": [
    {
      "metricRaw": "Percent of cardholders",
      "numberRaw": "93%",
      "numberKind": "percent",
      "actionTitle": "Credit cardholders that use POS lending tend to have much more tenuous financial situations",
      "calloutText": "Some of this is due to lack of discipline on savings/spending and spending on impractical things",
      "numberScale": null,
      "numberValue": 93,
      "metricFamily": "other",
      "numberCurrency": null
    }
  ],
  "tools": [],
  "frameworks": [
    {
      "name": "audience-segmentation",
      "slug": null,
      "matchId": "51c850a9-f37a-44da-82ae-9c2e1f0e6ab8",
      "evidence": "The slide segments credit cardholders into two groups based on POS lending usage to compare financial health.",
      "confidence": 0.9
    }
  ],
  "arcBeats": [],
  "loops": [],
  "imagePathAlt": null,
  "thumbSrc": null,
  "thumbSrcAlt": null,
  "locked": true
}