PYMNTS Study

High-Income Shoppers Spend 40% More on BNPL Than Lower Earners
High-Income Shoppers Spend 40% More on BNPL Than Lower Earners
September 10, 2025  |  Buy Now Pay Later

Shoppers in the United States aren’t just swiping their credit cards; they’re splitting them. Get the Full Story Complete the form to unlock this article...

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Why Millions Are Opting Out of Credit Before They Even Apply
Why Millions Are Opting Out of Credit Before They Even Apply
September 08, 2025  |  Consumer Finance

What if the biggest risk to your credit portfolio isn’t economic, but psychological? “Consumer Credit Economy: Strategy vs. Spontaneity—Navigating the Great Credit Divide,” a new...

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Gen Z Drives 46% of Online Health and Beauty Purchases
Gen Z Drives 46% of Online Health and Beauty Purchases
September 08, 2025  |  eCommerce

Consumers may be spending more of their retail dollars online, but the single biggest draw to brick-and-mortar stores isn’t groceries, clothes or electronics. It’s lipstick...

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Half of Stable Mid-Market Firms Use Credit as Growth Capital
Half of Stable Mid-Market Firms Use Credit as Growth Capital
September 05, 2025  |  Loans

Middle-market companies are caught between tariffs, interest rates and jittery supply chains, and how they borrow money says as much about their outlook as their...

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82% of Merchants to Expand Digital Wallet Use in 2025
82% of Merchants to Expand Digital Wallet Use in 2025
September 04, 2025  |  Mobile Wallets

For all the talk about artificial intelligence and instant payments, the biggest change reshaping how businesses pay each other may be happening in accounts payable....

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51% of Credit Union Members Still Prefer Branches
51% of Credit Union Members Still Prefer Branches
September 03, 2025  |  Credit Unions

New data on credit union innovation says what few FinTechs want to hear: Bank branches still matter, especially if you care about keeping your most...

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Personalization Decides Which Card Wins … and Which Gets Rotated Out
Personalization Decides Which Card Wins … and Which Gets Rotated Out
September 02, 2025  |  Loyalty & Rewards

In the high-stakes contest for consumer loyalty, rewards are no longer just perks; they are the battlefield. Get the Full Story Complete the form to...

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60% of Banks Say Real-Time Data Decides Who Gets a Loan
60% of Banks Say Real-Time Data Decides Who Gets a Loan
September 01, 2025  |  Loans

For banks, the difference between saying “yes” and “no” to a small business loan often has less to do with risk appetite than with the...

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AI Gives Finance Teams X-Ray Vision Into Customer Risk
AI Gives Finance Teams X-Ray Vision Into Customer Risk
August 29, 2025  |  Accounts Receivable

Accounts receivable (AR) isn’t a corporate function typically known for its innovation. Get the Full Story Complete the form to unlock this article and enjoy...

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