Pymnts Study news and trends

Instant Payments Grow but the Real Barrier Is Human
Disbursements // April 20, 2026

“Instant Payments Are Winning. Why Are Some Consumers Still Saying No?”, a collaboration between PYMNTS Intelligence and Ingo Payments, looks at a simple but increasingly important issue in modern money movement: When consumers are offered the option to receive funds instantly, why do some still pass?...

71% of Billion-Dollar Firms Face Agent Identity Threats
Digital Identity // April 17, 2026

Agent-driven identity threats are becoming a defining challenge for enterprises as they scale revenue and expand across markets, increasing fraud risk and customer friction. “Scale Amplification: How Revenue Amplifies Agent-Driven Identity,” a collaboration between PYMNTS Intelligence and Trulioo, examines how digital identity challenges evolve as...

Top-of-Wallet Credit Choices Have Moved to Mobile
Credit Cards // April 15, 2026

“Winning Top of Wallet: How Credit Card Apps Shape Choice,” a collaboration between PYMNTS Intelligence and Elan Credit Card, examines how the credit card mobile app is becoming a much bigger factor in card competition. For years, issuers treated the app as a servicing tool, a...

How AI Is Rewriting Credit Decisioning in Real Time
Artificial Intelligence // April 13, 2026

For decades, credit and payment decisions have relied on static scorecards and rigid “if-then” rules built for a slower payments environment. That model is now under strain. As transactions move across digital channels in real time, issuers must evaluate risk, intent and context instantly—not after...

Interviews & Exclusives
71% of Billion-Dollar Firms Face Agent Identity Threats

April 17, 2026
Agent-driven identity threats are becoming a defining challenge for enterprises as they scale revenue and expand across markets, increasing fraud risk and customer friction. “Scale Amplification: How Revenue Amplifies Agent-Driven Identity,” a collaboration between PYMNTS Intelligence and Trulioo, examines how digital identity challenges evolve as companies scale, amplifying fraud risk and customer friction. Its central […]

Top-of-Wallet Credit Choices Have Moved to Mobile

April 15, 2026
“Winning Top of Wallet: How Credit Card Apps Shape Choice,” a collaboration between PYMNTS Intelligence and Elan Credit Card, examines how the credit card mobile app is becoming a much bigger...

How AI Is Rewriting Credit Decisioning in Real Time

April 13, 2026
For decades, credit and payment decisions have relied on static scorecards and rigid “if-then” rules built for a slower payments environment. That model is now under strain. As transactions move...

The Emerging Middle-Market Growth Story Has a Cash Flow Problem

April 08, 2026
“The Emerging Middle Market: When Operational Complexity Grows Faster Than Financial Infrastructure” is a collaboration between PYMNTS Intelligence and i2c. This report examines a part of the U.S. business economy...

Quick Reads
Construction Firms Wait 94 Days on Average to Get Paid

December 29, 2023
Digital technologies are being built to help solve one of the key challenges facing the construction industry: delayed payments. 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, […]

30% of Consumers Struggle to Access Credit Products

December 28, 2023
About 30% of consumers have low credit scores — 650 or less — that have denied them access to credit products. Get the Full Story Complete the form to unlock...

Financial Services Providers Use Gamification to Help Customers Manage Debt

December 28, 2023
Most consumers are dealing with some level of debt. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content —...

Younger Consumers Less Likely to Use Credit Cards

December 28, 2023
The younger the consumer, the less likely they are to use credit cards. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to...