23 articles
Banks have an opportunity to strengthen fraud protection by helping customers recognize when someone is persuading them to send money to a criminal. That’s a central finding of “Scams Get…
Artificial intelligence is creating a new competitive question for small businesses. What happens when revenue can grow without payroll growing alongside it? The PYMNTS Intelligence report “New Data Shows Small…
Generation X is giving payments providers a clear signal to make payments more flexible, but keep them familiar. This cohort is not particularly interested in the rapid adoption of new…
Commerce firms can often see a payment fail. The opportunity lies in what they can do next. The PYMNTS Intelligence report “How These Industries Are Turning Payments Failures Into Recovers,”…
The credit score has a strange blind spot. It knows a lot about the borrower and almost nothing about what the borrower is about to buy. And as latest installment…
At the most efficient growing companies, 80% say their primary reason for using working capital is planned growth. Among the least efficient, just 2% say the same. That 78-percentage-point gap…
Artificial intelligence is making it easier for retailers to get discovered. It is doing considerably less to help them get paid. Data in the October 2026 edition of the Consumer…
Banks have generally measured instant payments by transactions: how many customers use them, how much money moves and how quickly payments arrive. An example from Amplify Credit Union adds another…
A merchant can negotiate a better payment processing rate and still face an expensive move if its saved customer credentials are tied to its existing provider. That tension sits at…
Banks have plenty of fraud technology, but getting all of it to work as a cohesive line of defense is becoming a problem. The PYMNTS Intelligence report “Scams Get Personal:…
Your phone can handle the checkout. Your hand may still reach for the same old card. Twelve years after Apple Pay arrived, mobile wallets are gaining users, but familiar payment…
Banks have an opportunity to strengthen fraud prevention by looking more closely at payments that arrive with a valid login or a customer’s approval. That’s the central implication of the…
The buy now, pay later (BNPL) wallet is crowded, and grocery purchases show just how much the leading providers already overlap. Between 87% and 96% of users associated with Affirm,…
For card issuers, artificial intelligence is moving closer to the transaction itself. Eighty-nine percent of issuers plan to adopt or expand at least one AI fraud capability, according to the…
A FinTech that wants to sell to 10 credit unions can face 10 separate onboarding processes. For a market made up of thousands of individual institutions, that repetition can affect…
Merchants could keep more ready buyers at checkout by accepting the digital wallets those shoppers already use, with wallet gaps putting roughly 36 million U.S. consumers at risk of walking…
New research shows that consumers are rapidly adopting artificial intelligence (AI) tools to conduct their product research. An October PYMNTS Intelligence report titled “From Prompt to Purchase: Who Wins the…
For millions of Americans living paycheck to paycheck, the hardest part of managing money may be reaching the point where there is nothing left to cut. New PYMNTS Intelligence research…
American shoppers are giving retailers a reason to rethink how they attract customers: The payment methods a store accepts increasingly help determine whether they’ll shop there in the first place.…
Corporate treasury is approaching an uncomfortable reality about artificial intelligence. Almost every firm has it, but relatively few companies can demonstrate that it is making them financially better off. Findings…
A failed payment can look small on a transaction screen. For the business waiting on the money, the effects can spread fast. Revenue gets delayed, staff spend more time fixing…
Credit card issuers may think their biggest retention threat is another bank persuading a customer to open a new account. But the replacement card may already be sitting in the…
