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Slow Credit Access Holds Growing Businesses Back

July 22, 2026
Cover image for the July 2026 PYMNTS Intelligence and i2c report, The Emerging Middle Market Playbook. PYMNTS Intelligence reports how payment and credit gaps slow middle-market growth across five major U.S. industries.

Related Trends

Every Dollar Gets a Job as Financial Pressure Builds
Consumer Finance // July 21, 2026

Consumers under the greatest financial pressure are not simply spending less. They are becoming more selective about where every dollar goes. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no additional logins...

BNPL
74% of BNPL Users Choose More Than One Provider
BNPL // July 20, 2026

Buy now, pay later users are no longer choosing one provider and staying loyal. They are building a payment toolkit, selecting different installment options for different purchases. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all...

Cover image for the July 2026 edition of the PYMNTS Intelligence and Paymentology Payments Innovation Tracker. Digital currencies such as stablecoins and cryptocurrency went mainstream as investments, but can they become everyday money?
Spendability Emerges as the Next Test for Digital Assets
Cryptocurrency // July 17, 2026

Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no additional logins required. yesSubscribe to our daily newsletter, PYMNTS Today. By completing this form, you agree to receive marketing communications from PYMNTS and...

Cover image for the July 2026 edition of the PYMNTS Intelligence and Visa Acceptance Solutions Global Digital Shopping Index: The Agentic Deep Dive. PYMNTS Intelligence reports on how AI agents are reshaping shopping, payments and merchant trust. Download the report to learn more.
48% of Online Shoppers Now Use AI Before Buying
Artificial Intelligence // July 16, 2026

AI agents have moved from the wish list to the shopping cart. The next test is simple: Can merchants keep control when software starts acting like a customer? Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to...

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Every Dollar Gets a Job as Financial Pressure Builds

July 21, 2026
Consumers under the greatest financial pressure are not simply spending less. They are becoming more selective about where every dollar goes. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no additional logins required. yesSubscribe to our daily newsletter, PYMNTS Today. By completing […]

74% of BNPL Users Choose More Than One Provider

July 20, 2026
Buy now, pay later users are no longer choosing one provider and staying loyal. They are building a payment toolkit, selecting different installment options for different purchases. Get the Full...

53% of Financially Strained Consumers Cut Nonessential Spending 

July 14, 2026
Consumers are still spending, but many are doing it with less room for error. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access...

85% of Financial Firms Plan AI Budget Increases

July 09, 2026
Enterprise artificial intelligence (AI) is no longer just a technology project. It is becoming a line item with momentum. Get the Full Story Complete the form to unlock this article...