Companies like American Express and Visa want to capitalize on this — the CreditCards.com survey showed 42 percent of credit and debit cardholders would prefer to have discounts automatically applied to their payment cards — to keep their customers loyal and happy.
"More banks and retailers are diving further into what can be done to integrate smart phones into the shopping experience while making it easy for the consumer to save," said Schulz.
As that happens, Americans — 85 percent of whom use a coupon at least occasionally — are eventually expected to shift away from paper coupon use.
"It's not going away anytime soon, but people will embrace electronic coupons more and more as the process becomes more seamless," said Schulz.
One retailer that's already made tech-couponing simple is Target. As Greutman explains she can score what she refers to as a quadruple-dip savings using a paper Target store coupon, Target's Cartwheel in-store app, a paper manufacturer's coupon and cash-back rebates or price adjustments from apps like Paribus.
She cautions amateur couponers, however, against falling into bad habits that include buying something just because you have a coupon or buying off-season items, again, just because.
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