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Digital Transformation

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PYMNTS Intelligence®

Digital Transformation Research

The Under-the-Radar Changes Transforming How Money Moves

For most of the past two decades, digital commerce has evolved through visible, headline-grabbing breakthroughs. Think: smartphones, app stores, one-click checkout and real-time 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...

HTML | Inside the December 2025 Report

Fighting Fraud and Finding Trust Amid Banking’s Data Deluge

In today’s digital economy, data has become the essential resource that creates the engine powering financial institutions (FIs), credit unions and FinTechs. 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...

HTML | Inside the September 2025 Report

The Gen Z Decoder Ring - August 2025

Gen Z isn’t different. They’re digital by default. For “The Gen Z Decoder Ring,” PYMNTS Intelligence surveyed 25,000+ U.S. consumers to decode how Gen Z is rewriting the rules of just about everything digital, including payments and banking. From digital wallets to credit-building hacks, this data-rich report reveals why Gen Z isn’t just keeping up with the future; they’re leading it. Now available for download. 

PDF | Inside the August 2025 Report

More in Digital Transformation

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Consumers Spent $2.5 Billion in ChatGPT Mobile App in 2025
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Inside Colgate’s Enterprise-Wide AI Push
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OpenAI Launches ChatGPT App Store
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Everyday Planning and Shopping Lead Consumer Shift to AI Assistants
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UPS-Owned Happy Returns Tests AI to Combat Fraud
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Google Says New AI Model Gemini 3 Flash Is Built for Speed
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Teikametrics Debuts AI Tool to Assist Retailers
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Why the ‘Person’ of the Year in 2025 Should Be the Chatbot
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AI Turns Cards Into Intelligent Payment Credentials
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Could Voice Emerge as the Payments Power Tool?
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Banks Abandon Lift and Shift for Cloud-Native Payments
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Klarna Launches Open Standard for Agentic Commerce
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The Holiday Dinner Set for the Ultra-High-End Digital Chef
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Albertsons Rolls Out Agentic AI for End-to-End Grocery Tasks
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Visa: 47% of Americans Use AI Tools for Holiday Shopping
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Economist Michael Noel Challenges How Regulators Police Big Tech
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ChatGPT Turns Three and Pulls Financial Services Into the AI Era
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A New Stage for Big Conversations: The Story Behind CHNGNetwork
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Luma Bets on AI Sending Pen-and-Paper Healthcare to the Recycling Bin
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Payroll Emerges as the Next Battleground in Embedded Finance
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Allstate Adds Scam Protection to Workplace Benefit Offerings
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Walmart US eCommerce Sales Jump 28% as Consumers Seek Value
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Target Launches Shopper Chatbot
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Klarna Sees Future as Neobank as Growth Accelerates
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CEOs Team With CFOs to Turn Payments Into Source of Strategic Advantage
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OpenAI Says Experimental Group Chat Feature Enables Collaboration and Interaction
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Apple Launches Digital ID in Wallet
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QR Codes and Digital Wallets Converge as Scan to Pay Gains Momentum
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The $4.5 Quadrillion Opportunity in Human Time
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The Weekender: Turkey, Tech and the Price Tag of Gratitude
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Southwest and Galileo Bring Rewards to Debit’s Doorstep
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Firmly Launches Platform That Eases Merchant Adoption of Agentic Commerce
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CHNGNetwork: Where the Next Version of the Economy Is Being Written
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The Prompt Economy Has Arrived. Now Comes the Hard Part
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i2c Certified by Visa as First Global Issuer Processor for Click to Pay
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JPMorgan, Citi Lead 1.9% CE 100 Gain With Tokenization Push
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The Weekender: Smart Home Edition, Where Even the Bird Feeder Slides Into Your DMs
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Instacart Adds New Business Features to its eCommerce Suite
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Citi Plans Crypto Custody Service Launch for 2026
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AWS Turns AI Agents Into a Workhorse as Nvidia Sees a Threat
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AI Transforms the Prompt Economy™ Into the Purchase Economy
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Square Adds AI-Powered Insights and Voice Ordering for Local Businesses
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Building Inside Legacy Systems Helps CFOs Capture New Payments Value
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Regional Banks Consolidate Tech and Deposits as Fifth Third Buys Comerica
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Nearly Half of FinTechs Now Partner With Credit Unions
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Discover Network, Worldpay Say AI Is Rewiring the Foundation of Global Money Movement
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Mandarin Oriental Grand Cayman Tests Bitcoin as Payment for Multimillion-Dollar Homes
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The Check Is No Longer in the Mail From the US Government
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Exclusive Clips

Consumers Spent $2.5 Billion in ChatGPT Mobile App in 2025

 December 18, 2025

Inside Colgate’s Enterprise-Wide AI Push

 December 18, 2025

OpenAI Launches ChatGPT App Store

 December 18, 2025

PYMNTS DATA

Payments Leaders Swap Certainty for Scale, Speed and Resilience

Operational stability may never return to what it once was. The new North Star isn’t certainty; it’s capability. From Wall Street to Main Street, financial services leaders are figuring out how to accelerate transformation while mitigating risk, reduce spend while increasing value and scale faster without sacrificing resilience. As trade-offs...

HTML | Inside the August 2025 Report

New Itinerary: How Invoice-to-Pay Platforms Are Transforming Hospitality

Manual accounts payable (AP) processes are emerging as a significant pain point for the hospitality sector. In an industry known for its high transaction volumes, ranging from housekeeping supplies to food services, finance teams are inundated by a relentless stream of invoices and payment reconciliations each month. In such a...

HTML | Inside the June 2025 Report

Payments Execs on Agentic AI: ‘The Back Office Will Never Be the Same’

The age of agentic AI is here, and it’s rewriting the rules of financial services. Artificial intelligence (AI) is experiencing a fundamental shift. Once confined to the realms of content generation and isolated automation tasks, AI’s capabilities have advanced beyond its game generative capabilities toward what many industry leaders call...

HTML | Inside the April 2025 Report

How People Pay eBook - February 2025

Consumers are increasingly connected, and their growing comfort with technology is reshaping how they pay. Connected tech users are leading the charge, ditching cash in favor of digital wallets and online purchases, while mainstream consumers are driving the surge in mobile payments. Download this exclusive dataset and learn how people pay for tech.

PDF | Inside the February 2025 Report

From Mainframes to Microservices: Cloud Migration Ushers In New Era for Financial Services

Welcome to the new era of banking, where legacy systems are being shattered and rebuilt from the ground up. This isn’t your grandfather’s tech upgrade; it’s a $1 trillion transformation that’s turning staid financial institutions into nimble tech powerhouses. J.P. Morgan Payments, the 150-year-old bank’s payments division, is deploying artificial...

HTML | Inside the January 2025 Report

The Modern Money Mobility Ecosystem - January 2025

Frameworks come in handy when business leaders need a structured approach to analyzing complex business situations. And, boy do they come in handy when technology and payments join forces to drive change and uncover new opportunities. The Framework Series™ does that, and we’re launching our first one today. Here’s a new framework for understanding how payments meets embedded banking to create an entirely new money mobility ecosystem.

PDF | Inside the January 2025 Report

Big Three: How Choice, Confidence and Convenience Drive Payments Optimization

As the digital transformation evolves, payments optimization has become the ultimate test for businesses striving to maintain a competitive edge. Companies are seeking the perfect balance in their payment processes to maximize both revenue and consumer engagement. Even small adjustments to payment processes can punch far above their weight, potentially...

HTML | Inside the January 2025 Report

Why Payments Innovators Say Simplicity Is Their New KPI

Complexity is a hallmark of business, especially when it comes to money movement. Funds flow between senders and receivers in the blink of an eye. When they move across borders and currencies, there are several touch points in the mix. Ten executives told PYMNTS why simplicity is a new key...

HTML | Inside the November 2024 Report

The Great Paper Escape: Transforming Accounts Payable for the Digital Age

Paper checks continue to dominate the accounts payable (AP) landscape — a costly reality when digital payments innovation pulses through every artery of commerce. AP departments across industries remain mired in paper-based, legacy payments that erode business relationships. Suppliers increasingly demand buyer partners that ensure frictionless, timely payments. For AP...

HTML | Inside the November 2024 Report

How 10 Payments Executives ‘Do’ Digital in the Post-Pandemic Age

More than four years ago, the great digital shift — already in motion — began to accelerate at warp speed. The pandemic forced us all indoors. We lived life online, making purchases, waiting out supply chain snarls, paying online and working from home. The world sheltered in place, with digital conduits the...

HTML | Inside the September 2024 Report

Businesses at Risk: The High Cost of Manual AR Processes and What to Do About It

The speed of business today demands agility, yet outdated accounts receivable (AR) processes remain a stubborn bottleneck for many organizations. Increasingly, the complexity and volume of invoices threaten to overwhelm manual systems, leaving businesses even more vulnerable to inefficiencies and lost revenue. In the face of these challenges, AR automation...

HTML | Inside the August 2024 Report

Debit Cards In Digital Wallets Gaining Ground Across Sectors

As consumers leverage digital wallets in greater numbers, businesses across sectors must understand the latest trends to compete. One such trend is that debit cards have become the primary payment method digital wallet users ultimately leverage. This prevalence suggests that many users like digital wallets’ convenience but value the discipline...

HTML | Inside the August 2024 Report

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