PYMNTS Study

10 Ways SMBs Accessed and Used Credit in 2024

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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Supplier Integration: A Strategic Pillar for Working Capital Efficiency
Supplier Integration: A Strategic Pillar for Working Capital Efficiency
December 19, 2024  |  Accounts Payable

There are two sides to any commercial transaction. Within B2B, buyers and suppliers find one another and agree on terms, funds flow, and accounts payable...

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54% of Consumers With Unstable Cash Flow Prefer Providers Offering Embedded Lending
54% of Consumers With Unstable Cash Flow Prefer Providers Offering Embedded Lending
December 19, 2024  |  Loans

Embedded lending, the integration of credit offerings into platforms where consumers and microbusinesses (MSBs) can apply for credit directly during a transaction, is gaining traction...

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