Digital Transformation
Digital Transformation Research
The Under-the-Radar Changes Transforming How Money Moves
For the What’s Next in Payments Series, eight industry leaders share the behind-the-scenes advances in operational resilience, data governance, identity modernization, and AI-driven interactions that are redefining how trust, scale, and reliability power the next era of payments.
Fighting Fraud and Finding Trust Amid Banking’s Data Deluge
The PYMNTS “Searching for Reliable Signals in Banking’s New Data Reality” series highlights how banks, FinTechs and credit unions are rethinking data strategies amid shrinking government datasets, rising fraud threats and AI’s growing role. It emphasizes that balancing traditional and alternative data, consortium models and governance is essential to building trust and delivering value.
New Itinerary: How Invoice-to-Pay Platforms Are Transforming Hospitality
Manual AP processes are overwhelming the hospitality sector, driving up costs and damaging critical supplier relationships. Can invoice-to-pay automation reserve a new place for AP as a strategic growth driver in hospitality?
Big Three: How Choice, Confidence and Convenience Drive Payments Optimization
Payments optimization has become the watchword for modern digital businesses — but what makes payments optimal? To achieve peak payment performance in today’s competitive landscape, businesses must mind their customers’ three C’s: choice, confidence and convenience.
The Great Paper Escape: Transforming Accounts Payable for the Digital Age
While digital transformation continues to rewrite the rules of business, accounts payable faces a critical moment. Will your AP processes power growth or stifle its progress?
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Exclusive Clips
PYMNTS DATA
The Under-the-Radar Changes Transforming How Money Moves
For the What’s Next in Payments Series, eight industry leaders share the behind-the-scenes advances in operational resilience, data governance, identity modernization, and AI-driven interactions that are redefining how trust, scale, and reliability power the next era of payments.
Fighting Fraud and Finding Trust Amid Banking’s Data Deluge
The PYMNTS “Searching for Reliable Signals in Banking’s New Data Reality” series highlights how banks, FinTechs and credit unions are rethinking data strategies amid shrinking government datasets, rising fraud threats and AI’s growing role. It emphasizes that balancing traditional and alternative data, consortium models and governance is essential to building trust and delivering value.
The Gen Z Decoder Ring: Gen Z isn’t different. They’re digital by default.
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.
Payments Leaders Swap Certainty for Scale, Speed and Resilience
Nine payments executives share with PYMNTS how today’s fast-changing financial terrain — defined by inflation, geopolitical tension and digitized consumer expectations — has become the crucible for a rising movement toward embedded finance, data-rich infrastructure and AI-enabled decisioning.
Payments Execs on Agentic AI: ‘The Back Office Will Never Be the Same’
AI has moved beyond basic automation to systems capable of making decisions, learning from data and acting autonomously. Five payments executives share their best practices with PYMNTS, noting that as agentic AI tools advance faster than ever, success will depend on how effectively companies integrate these systems into existing infrastructure and experiment with new, customer-centric solutions.
How People Pay: Consumer Preference For Connected Technology
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.
From Mainframes to Microservices: Cloud Migration Ushers In New Era for Financial Services
Cloud computing is revolutionizing the financial services industry, ushering in a new era of innovation, efficiency, and customer-centric solutions. This report explores how major players like AWS, J.P. Morgan Payments, FIS and Plaid are leveraging cloud technology to transform payments, open banking, treasury management and responsible innovation in the digital age.
Businesses at Risk: The High Cost of Manual AR Processes and What to Do About It
Manual AR in 2024? What could firms’ finance teams achieve if they weren’t buried in invoice paperwork?
Why More Restaurants Need to Bite Into Digital Transformation
There’s room at the table for restaurants to offer more payment options to diners who are hungry for digital.
Core Strength: FIs Must Modernize to Meet the FinTech Challenge
As agile, digital-native FinTechs capture a larger share of the banking industry, traditional FIs are struggling to offer their own digital services due to legacy systems. Modernizing these systems will be a critical step toward leveling the digital playing field.
Progress and Protection: Balancing Convenience and Security in Digital Banking
Does the convenience of digital banking come at the expense of security, or can banks outsmart the scammers?
Insuring Generation Next: Meeting the Digital Expectations of Younger Insurance Consumers
Generation Z and millennial consumers have complex needs when it comes to insurance purchasing, saying they prefer to buy online but still expect to obtain in-person advice from an insurance professional due to a lack of confidence in their knowledge. The latest “B2B and Digital Payments Tracker®,” a collaboration with American Express, examines how insurers must walk a fine line between digital agility and cultivating relationships to attract and retain a new generation of policyholders.
FinTechs Look to M&A for Profitability as Economic Shake-Up Continues
Once fierce competitors, banks and FinTechs have dropped their guard to collaborate and partner in recent years. However, as FinTechs continue to feel the sting of economic headwinds in 2023, many may be in the market for banks seeking full acquisitions in the next two years and beyond.
Tapping the Cloud for Accelerated Banking Innovation
Cybersecurity, cost reduction and easier integration of new services are among the benefits driving banks to the cloud, but implementation can be a hurdle for many. In the “Digital-First Banking Tracker®,” a collaboration with NCR, PYMNTS explains how aligning goals between banks and their IT partners will be critical to the future of cloud technology in the banking industry.
The Digital Transformation of Beauty and Wellness Services
Spas and salons were among the pandemic’s worst-hit businesses, but Rosy Salon Software’s Jason Foodman explains how cutting-edge digital payment and scheduling platforms can help salons maximize profits while providing a convenient experience for their customers. Read more in the “B2B and Digital Payments Tracker®,” a collaboration with American Express.