The Data Point

Half of Financially Stable Firms Use Financing to Fuel Growth

Half of Financially Stable Firms Use Financing to Fuel Growth
Half of Financially Stable Firms Use Financing to Fuel Growth
October 09, 2025  |  Loans

When uncertainty rises, so does nostalgia for the familiar. In the U.S. middle market, where firms straddle the line between enterprise scale and small business...

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63% of Americans Now Use Digital Wallets for Cross-Border Payments
63% of Americans Now Use Digital Wallets for Cross-Border Payments
October 08, 2025  |  Payment Methods

The digital divide that once separated who paid how across borders is narrowing fast. In the United States, digital wallets have become the great equalizer....

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65% of SMBs Are Ready to Switch Software for Embedded Finance
65% of SMBs Are Ready to Switch Software for Embedded Finance
September 26, 2025  |  SMBs

Small businesses have long depended on management software to keep the books balanced and payroll running. Get the Full Story Complete the form to unlock...

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90% of SMBs Say Embedded Finance Is Now Essential
90% of SMBs Say Embedded Finance Is Now Essential
September 19, 2025  |  SMBs

Small businesses may not be known for switching software providers. Yet, a striking detail in a new study suggests that’s changing fast — and embedded...

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Financial Leaders Warn Against Giving AI a 51% Stake in Decisions
Financial Leaders Warn Against Giving AI a 51% Stake in Decisions
September 17, 2025  |  Fraud Prevention

Financial institutions have long treated customer data as a proprietary asset, but a new PYMNTS report, “Fighting Fraud and Finding Trust Amid Banking’s Data Deluge,” suggests...

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42% of Gen Z Trust Debit More Than Credit
42% of Gen Z Trust Debit More Than Credit
September 16, 2025  |  Consumer Payments

Generation Z may be the first cohort to grow up entirely in the digital economy, but the real surprise in their financial behavior isn’t what...

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Millennials, Not Gen Z, Are Defining the Gen AI Era
Millennials, Not Gen Z, Are Defining the Gen AI Era
September 12, 2025  |  artificial intelligence

As generative artificial intelligence (AI) reshapes how Americans work, shop and communicate, one generation isn’t just keeping pace, they’re pushing the frontier. Millennials, not the...

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One-Click Convenience Drives Australia’s Mobile Shopping
One-Click Convenience Drives Australia’s Mobile Shopping
September 11, 2025  |  Mobile

Australia, while a burgeoning mobile-first market, presents a paradox for financial institutions, FinTech innovators and payment providers. Get the Full Story Complete the form to...

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93% of Banks Say Instant Payments Boost Retention
93% of Banks Say Instant Payments Boost Retention
September 09, 2025  |  Real-Time Payments

Headlines swirl with urgency around real-time payments, but the reality is that most banks are still dragging their feet. While financial institutions (FIs) say instant...

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