The Data and Trends Powering AI, Payments and the Digital Economy

Business Trade & Tariffs

Tracks the impact of shifting trade policies on middle market firms with $100M to $1B in revenue. Published monthly, the series surveys CFOs, Heads of Payments and Heads of Product to measure how tariffs shape pricing, sourcing and operations.

Sizing the Uncertainty: How Middle Market Companies View Tariffs

In November 2025, 23.3% of middle markets expect the impacts of tariffs to be generally negative on the finances of their business

Tarriff's Impact on Middle Market Sectors and Bottom Line

In November 2025, 82.4% of middle markets in retail and goods expect shortages or delays in getting certain products

Consumer Trade & Tariffs

Tracks consumer perceptions of how shifting trade policies affect prices and the broader economy. Published monthly, the series surveys a representative sample of U.S. consumers to measure how tariffs influence their priorities and the strategies they use to navigate a changing economic landscape.

The Consumer Tariff IQ: Consumer Familiarity With Tariffs

In November 2025, 40.7% of consumers are very or extremely familiar with tariffs imposed by the government

The Knowledge Gap: The Relationship Between Tariff Familiarity with Perceived Tariff Impacts

In November 2025, 42.1% of very or extremely knowledgeable consumers view tariffs as negative

Wage to Wallet Index: The Labor Economy

The Wage to Wallet Index is a monthly study tracking how wage growth, income access and job stability among 60 million essential U.S. workers impact household resilience, consumer demand and overall economic performance.

What Makes the Labor Economy Unique

The Labor Economy population reports consistently lower consumer sentiment than the general population, 49.6% versus 57.4% overall. This gap highlights reduced financial confidence and greater economic uncertainty among these hourly workers.

Faster Pay Access Builds Resilience

The Labor Economy shows lower job mobility but comparable job security to the broader labor market. Their mobility score (41.7% versus 48.0%) indicates fewer perceived opportunities to move or advance, reflecting limited access to upward transitions or alternative roles

The CAIO

Benchmarks enterprise GenAI adoption with a proprietary framework that measures innovation, efficiency and new workflows. Published monthly, the series features insights from CFOs and Chief Product Officers.

GenAI on the Ground: How Enterprise Companies Are Using AI Today

In December 2025, 50.0% of enterprise companies used Gen AI to generate feedback on the production process

Activity Impact: Where GenAI Delivers the Most Value

In December 2025, 61.7% of enterprise companies leveraged Gen AI for at least one highly impactful task

Share of Wallet

Tracks how much of consumers’ retail and total spending across every category is captured by retail giants Amazon and Walmart. Drawing on earnings reports and national economic data, the report provides a quarterly view of their share of total, retail, and eCommerce spending.

The Subscription Race: Walmart+ and Amazon Prime Over Time

In May 2025, 33.7% of U.S. consumers were subscribed to Walmart+, while 67.7% held an Amazon Prime membership

Generation Gap: Who’s Subscribing Across Age Groups

In May 2025, 49.7% of Gen Z subscribed to Walmart+

Certainty Project

Explores the cost of uncertainty and its internal and external impacts on middle-market firms, along with strategies for managing it. Published monthly, it features insights from CFOs and COOs.

The Uncertainty Effect: Where Middle Market Firms Face High Uncertainty

In December 2025, 16.7% of middle-market companies were operating at a high level of uncertainty

The Cost Of Uncertainty: Uncertainty’s Toll on the Bottom Line

As of December 2025, the average total cost of uncertainty as share of revenue in last 12 months was 2.6%

SMB Growth

Unpacks the challenges and growth opportunities for small and mid-sized businesses related to credit, payments, and innovation.

Small Business Vital Signs: Revenue Growth Among SMBs

In December 2025, 52.5% of SMBs reported a year-over-year revenue increase

Growth Playbook: How SMBs are Pursuing Expansion Strategies

In January 2025, 21.5% of SMBs reported implemented new or improved business processes

Consumer AI Benchmark

This Data Lab tracks consumer adoption of AI in nine areas of daily life including shopping, banking, health and wellness, travel and leisure activities.

Overview of adoption by category of personal task

In December 2025, 48.1% of consumers had used Generative or Agentic AI to discover what to buy and 36.2% had used it for tasks related to managing finances and banking.

Tasks performed by Power, Mainstream and Light users

In December 2025, 78.3% of Power users had used new forms of AI to discover what to buy. In comparison, 24.9% of Light users had done the same.

Paycheck to Paycheck

Examines payments, savings and spending trends related to consumers' financial lifestyles, as measured by their self-reported paycheck-to-paycheck status.

The Paycheck-to-Paycheck consumer

In November 2025, 23.4% of consumers are living paycheck to paycheck and struggling with their bills

The role of income

In November 2025, 41.8% of low-income consumers are living paycheck to paycheck and struggling with their bills

The Data That Defines
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Business Trade & Tariffs

Sizing the Uncertainty: How Middle Market Companies View Tariffs

Tarriff's Impact on Middle Market Sectors and Bottom Line

Consumer Trade & Tariffs

The Consumer Tariff IQ: Consumer Familiarity With Tariffs

The Knowledge Gap: The Relationship Between Tariff Familiarity with Perceived Tariff Impacts