PYMNTS Study

How Two-Thirds of American Consumers Managed Their Paychecks in 2024
How Two-Thirds of American Consumers Managed Their Paychecks in 2024
December 27, 2024  |  Consumer Finance

Profound shifts in consumer behavior and priorities characterized 2024. As of November, 67% of consumers live paycheck to paycheck. In fact, this is the highest...

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Gen Z Drives Enthusiasm for Embedded Finance Usage
Gen Z Drives Enthusiasm for Embedded Finance Usage
December 26, 2024  |  SMBs

Embedded lending is already reshaping how consumers and smaller businesses access credit through its convenience and flexibility. Lenders recognize the transformative potential, but they also...

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Digital ID Verification Reduces Stadium Entry Wait Times by 68%
Digital ID Verification Reduces Stadium Entry Wait Times by 68%
December 26, 2024  |  Digital Identity

Digital identity verification and blockchain-based ticketing are helping stadium operators enhance the fan experience by letting them spend less time waiting in lines and more...

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10 Ways SMBs Accessed and Used Credit in 2024
10 Ways SMBs Accessed and Used Credit in 2024
December 26, 2024  |  SMBs

SMBs can have wildly different experiences accessing credit, PYMNTS Intelligence data reveals. This disparity is especially evident when comparing small businesses of different revenue brackets....

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95% of Companies That Fully Automate AP See Healthier Finances
95% of Companies That Fully Automate AP See Healthier Finances
December 24, 2024  |  Accounts Payable

Many businesses rely on manual accounts payable and accounts receivable processes, which lead to slow, error-prone accounting that increases fraud risk. This can result in...

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Update: Middle-Market Execs Predict a Brighter 2025 Despite This Year’s Challenges
Update: Middle-Market Execs Predict a Brighter 2025 Despite This Year’s Challenges
December 23, 2024  |  CFO

Uncertainty reshaped middle-market firms’ operations in 2024, and a consistent theme emerged this year: Firms leveraging analytics and targeted strategies saw improved resilience and profitability....

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New Data: eCommerce Merchants See Big Gains by Embracing Digital Wallets and BNPL
New Data: eCommerce Merchants See Big Gains by Embracing Digital Wallets and BNPL
December 20, 2024  |  eCommerce

Credit and debit cards still dominate the eCommerce arena, yet alternative payment methods such as digital wallets and buy now, pay later (BNPL) plans have...

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More Than Half of US Companies Use Real-Time Payments
More Than Half of US Companies Use Real-Time Payments
December 20, 2024  |  Real-Time Payments

Instant payments continue their global sweep, with expanding RTP® network capabilities from The Clearing House in the United States, Australia simplifying cross-border transfers and Hungary...

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Consumer Spending Lifts Q3 GDP, but Savings Rates Are Pressured
Consumer Spending Lifts Q3 GDP, but Savings Rates Are Pressured
December 19, 2024  |  Economy

In the latest and final revision of how the economy fared in the third quarter — through the growth in gross domestic product — the...

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