Payment Method Usage Stream

import matplotlib.pyplot as plt
import numpy as np

COLORS = {
    'layers': ['#3B82F6', '#10B981', '#F59E0B', '#EF4444', '#8B5CF6'],
    'background': '#ffffff',
    'text': '#1f2937',
    'grid': '#e5e7eb',
}

np.random.seed(3636)
years = np.arange(2015, 2025)
n = len(years)

credit_card = 40 - 0.5 * (years - 2015) + np.random.normal(0, 2, n)
digital_wallet = 10 + 3 * (years - 2015) + np.random.normal(0, 1, n)
debit_card = 30 + 0.2 * (years - 2015) + np.random.normal(0, 1, n)
cash = 15 - 1.5 * (years - 2015) + np.random.normal(0, 1, n)
bnpl = 2 + 1.5 * (years - 2019) * (years >= 2019) + np.random.normal(0, 0.5, n)

data = [np.clip(d, 1, None) for d in [credit_card, digital_wallet, debit_card, cash, bnpl]]

fig, ax = plt.subplots(figsize=(14, 6), facecolor=COLORS['background'])
ax.set_facecolor(COLORS['background'])

ax.stackplot(years, *data, colors=COLORS['layers'], alpha=0.85, baseline='sym',
             labels=['Credit Card', 'Digital Wallet', 'Debit Card', 'Cash', 'Buy Now Pay Later'])

ax.axhline(0, color=COLORS['grid'], linewidth=0.5)
ax.set_xlim(2015, 2024)

ax.set_title('Payment Method Preferences', color=COLORS['text'], fontsize=14, fontweight='bold', pad=15)
ax.set_xlabel('Year', color=COLORS['text'], fontsize=11)
ax.set_ylabel('Usage (%)', color=COLORS['text'], fontsize=11)

ax.legend(loc='upper center', bbox_to_anchor=(0.5, -0.12), frameon=False, fontsize=9, ncol=5)

for spine in ax.spines.values():
    spine.set_color(COLORS['grid'])
ax.tick_params(colors=COLORS['text'], labelsize=9)

plt.tight_layout()
plt.subplots_adjust(bottom=0.18)
plt.show()