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Q3 2026 Consumer Pulse Study — Botswana

Spending and credit plans fall as fraud tactics grow more sophisticated

Surveyed Batswana consumers are adjusting behaviours as financial pressure builds — cutting discretionary spending, borrowing more selectively and staying alert to a fast-evolving fraud landscape. TransUnion's Q3 2026 Consumer Pulse Study unpacks these shifts across income expectations, credit access, credit monitoring and fraud exposure.

Key insights include:

  • Income optimism held firm; 71% expected household income to rise over the next 12 months, even as confidence eased from last year
  • Payment pressure widened as 39% anticipated a shortfall on at least one bill — and most cut back on discretionary spending to cope
  • Credit mattered to 96% of consumers, yet only 36% felt they had sufficient access — a gap that widened from last year
  • Credit monitoring engagement softened as those checking monthly fell to 40% — while a growing share said they don't monitor at all
  • Fraud exposure widened as 68% were targeted by a scheme — most often through phishing and vishing attempts, both markedly more common
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Contact your TransUnion® representative to discuss what these findings mean for your business.

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