The Ohio State University Consumer Behavior Index (OSUCBI) sm: July 2025
📢 JULY 2025 OSUCBI PRESS RELEASE
Tracking the Pulse of American Consumers in a Shifting Economy
July 29, 2025
As inflation persists, interest rates climb, and global debt pressures intensify, American consumers are adapting with focus and resilience. The Ohio State University Consumer Behavior Index (OSUCBI) July 2025 report reveals critical shifts in spending, payment trends, and priorities, offering actionable insights for businesses, investors, and policymakers.
Key Findings
Economic Context:
- Foreign-held U.S. debt: $7.3 trillion (China: $1.06T, Japan: $1.03T)
- U.S. debt-to-GDP ratio: 137%
- Inflation rate: 3.2% YoY
- Consumer spending: +0.8% MoM, +4.2% YoY
Consumer Behavior Shifts:
- Essential spending dominates: Consumers prioritize necessities like food, housing, and healthcare over discretionary purchases.
- Digital payments soar: Contactless payments and mobile wallets gain traction for convenience and security.
- Sustainability drives decisions: Eco-conscious consumers favor brands aligned with environmental and social values.
Market Trends:
- GDP growth slows: Inflation and global uncertainty dampen economic expansion.
- Labor market holds strong: Low unemployment reflects resilience in job creation.
- Rising rates impact borrowing: Fed’s rate hikes increase costs for mortgages and corporate loans.
Expert Recommendations
- For Investors: Diversify with dividend stocks, TIPS, and low-risk assets to hedge against inflation and volatility.
2. For Businesses: Focus on essential products, value-driven pricing, and seamless digital payment integration.
3. For Policymakers: Monitor debt dynamics and consumer confidence to balance growth and stability.
Why It Matters
The July 2025 OSUCBI Report captures a pivotal moment: consumers are navigating economic headwinds with deliberate choices, reshaping markets and opportunities. Businesses and investors who adapt to these trends—prioritizing value, digital innovation, and sustainability—will stay ahead.
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About The OSUCBI sm
The Ohio State University Consumer Behavior Index tracks real-time household attitudes, behaviors, and purchases, providing early signals for economic and market trends.
