Digital Consumer
Gen Z Turns Mobile Apps and Credit Into Financial Discipline
Wednesday 11th March - 5:21 pm
Popular commentary portrays Generation Z as financially reckless, a cohort supposedly driven by impulse purchases, ...McDonald’s Plans to Offer $3 Meals as Diners Seek Affordability
Wednesday 11th March - 3:14 pm
McDonald’s is reportedly planning to lower the cost of its value meals even further. Beginning next month, ...Inflation Cooled but Essentials Tightened Their Grip
Wednesday 11th March - 11:52 am
Inflation in the United States appears contained for the moment, yet the latest reading suggests ...Kohl’s Amps Up eCommerce as Lower-Income Shoppers Face Pressure
Tuesday 10th March - 3:29 pm
Kohl’s turnaround efforts are being challenged by the continued economic pressures facing its core customers. The ...eCommerce Sales Hit $316 Billion as Online Retail Gains Share
Tuesday 10th March - 1:26 pm
The steady migration of consumer spending toward digital channels continued through the end of 2025, ...The $700 Credit Card Club Gets Crowded as Issuers Fight for Wallet Space
Monday 9th March - 11:39 am
Consumer credit growth slowed in January but remained firmly positive, extending a trend that has ...Job Losses Set to Test Consumer Confidence and Spending
Friday 6th March - 3:39 pm
The latest labor market figures delivered an unexpected turn, with payrolls shrinking in February and ...Cautious Consumers Cause Earnings Slump for Discretionary Brands
Friday 6th March - 2:33 pm
Companies in the S&P 500 consumer discretionary sector are lagging behind other sectors in earnings ...eCommerce Emerges as Bright Spot Amid Overall Retail Sales Dip
Friday 6th March - 12:09 pm
Consumer spending cooled slightly in January, although strong growth in digital retail channels suggests that ...Corporate Earnings Confirm PYMNTS Data on a Cautious but Active Consumer
Wednesday 4th March - 12:21 pm
Corporate earnings releases and conference calls often serve as a real-time test of economic narratives. Management ...FinTechs Target Budget Stress to Meet Affordability Crisis
Wednesday 4th March - 4:00 am
There’s an affordability crisis rocking households in the United States. Housing, insurance, healthcare, childcare, transportation and ...Why Income Gains Don’t Always Boost Spending
Tuesday 3rd March - 4:00 am
As the PYMNTS audience saw in Monday’s newsletter (March 2) there’s some wisdom to be ...Target Faces Pushback From Investors on Management Tactics
Sunday 1st March - 7:04 pm
Target is reportedly facing criticism from a group of investors unhappy with its management’s decisions. That’s ...The Three Blind Spots in How Consumer Sentiment Is Measured
Thursday 26th February - 7:00 am
In March 2020, government officials and epidemiologists were telling Americans to brace for a two-month ...Online Retail Jumps 13% Year Over Year as Shoppers Hunt for Value
Thursday 26th February - 4:00 am
Financial stress is no longer just shaping what Americans buy. It is reshaping how they ...Installment Payments Come to Luxury Retail as Wealthy Buyers Feel Price Pressures
Wednesday 25th February - 2:45 pm
About a hundred years ago, so the story goes, F. Scott Fitzgerald, chronicler of the ...Three Generations Face the Same Bills and Make Different Moves
Wednesday 25th February - 4:00 am
Picture three Americans staring at the same electric bill. The retiree sighs, turns down the thermostat ...Consumer Spending Stays Strong Despite Slower Income Gains
Friday 20th February - 4:41 pm
Consumers continue to shoulder the expansion of the U.S. economy, even as late-year data reveal ...Americans Are Rewriting Household Budgets to Make Room for Extended-Family Support
Friday 20th February - 4:00 am
As financial pressures intensify across the U.S., a growing number of consumers are shouldering an ...Walmart Highlights Higher-Income Growth as Lower-Income Shoppers Face Pressure
Thursday 19th February - 2:15 pm
Talk about raining on the parade. New Walmart CEO John Furner’s first earnings call was ...Top-Tier Malls Attract Shoppers and Capital as Others Face Demolition
Wednesday 18th February - 4:34 pm
Walk into a top-tier mall in a high-income suburb right now and you can still ...As Tax Refunds Tackle Debt, Installment Payments Become a Budget Tool
Wednesday 18th February - 4:01 am
This time each year, millions of consumers in the United States tell themselves comforting but ...Banks Shift Loyalty From Points to Everyday Payments
Tuesday 17th February - 4:01 am
For decades, loyalty followed a familiar rhythm: Consumers earned points on credit card purchases and ...14% of Consumers Use BNPL Even After Holiday Spending Surge
Tuesday 17th February - 4:00 am
Buy now, pay later is no longer just a checkout feature. It is becoming a ...Companies Ramp Up Prices Following Holiday Break
Monday 16th February - 1:27 pm
Consumers enjoyed a break from price increases during the holiday shopping season. But now, companies have ...CPG CEOs Say Consumers Keep Buying Despite Affordability Pressures
Friday 13th February - 3:32 pm
If one theme connected fourth-quarter earnings calls across consumer packaged goods companies and discretionary brands, ...Households Navigate Higher Costs With Smarter Spending
Thursday 12th February - 6:04 pm
The consumer in the United States is no longer one market. It’s two. And corporate ...Citi Executive Warns Rate Cap Would Kill Credit for Lower-Income Consumers
Wednesday 11th February - 2:16 pm
The Trump Administration’s proposed 10% cap on credit card interest rates would harm access to ...Ahold Delhaize Sees US Online Grocery Sales Jump 22%
Wednesday 11th February - 11:47 am
Ahold Delhaize saw quarterly digital sales surge as more American consumers do their grocery-buying online. The ...Retailers Focus on Data and Payments as Shoppers Pull Back
Tuesday 10th February - 4:45 pm
The 21st century retail battle is no longer being waged primarily over assortment, price, or ...Consumers Pull Back to Protect Savings as Retail Sales Stall
Tuesday 10th February - 1:48 pm
Flat retail sales at year end ran counter to the growth momentum many analysts expected ...Nearly 3 in 4 Premium Cardholders Used a Card-Linked Offer in the Past Year
Tuesday 10th February - 4:00 am
Consumers who pay the most for their credit cards turn out to be the ones ...35% of Consumers Plan to Use Tax Refunds to Boost Savings
Monday 9th February - 6:33 pm
Tax season officially began on Jan. 26, and refunds are already starting to reach consumers’ ...Credit Data Shows Spending Discipline as Card Balances Rise
Friday 6th February - 7:19 pm
The Federal Reserve’s latest consumer credit data points to a familiar seasonal pattern, with revolving ...Companies Pivot to Higher-Income Consumers as Middle-Class Spending Drops
Thursday 5th February - 6:56 pm
Apparel, accessories and cosmetics companies are focusing on higher-income consumers, Reuters reported Thursday (Feb. 5). Companies ...Millennials and Gen Z Drive Earnings Growth Across Finance and Retail
Monday 2nd February - 4:23 pm
Consumer spending among millennials and Generation Z is not merely holding up. It’s underwriting earnings ...American Express Counts on Millennials to Power 2026 Spending
Friday 30th January - 4:12 pm
American Express released its latest earnings results on Friday (Jan. 30), closing 2025 with a ...Block Says Traditional Credit Scores Shut Out 100 Million Americans
Tuesday 27th January - 4:01 am
For much of modern consumer finance, underwriting has relied on static credit files that offer ...Labor Economy Sentiment Falls Even as Broader Consumer Confidence Rises
Tuesday 27th January - 4:00 am
The job market’s surface calm is masking deeper instability, and for millions of hourly workers, ...Upcoming CPG and Auto Earnings Expected to Show Tariff Impact
Monday 26th January - 10:05 am
There are increasing signs that tariff-related prices are eating into corporate profits, Reuters reported Monday ...Goodwill Records Record Revenue as Shoppers Feel Pinched
Monday 26th January - 9:27 am
For nonprofit thrift store company Goodwill, 2025 was apparently a very good year. As The New York ...Grocery Spending Moves Online as Affordability Concerns Rise
Monday 26th January - 4:02 am
Consumer spending continues to move fluidly across digital and physical channels, but groceries are emerging ...Luxury Sector Turns to Wealthy Americans to Boost Business
Sunday 25th January - 7:59 pm
Luxury goods makers are reportedly hoping wealthy American shoppers can buoy their business in 2026. This ...Consumer Sentiment Improves Despite Financial Pressures
Friday 23rd January - 4:23 pm
Consumer outlook improved in January, reversing some of the sharp deterioration seen at the end of ...Gen X Spending Patterns Are Shifting as Costs Rise
Friday 23rd January - 4:00 am
Gen Xers’ new round of penny-pinching could be bad news for consumer spending and the ...Capital One Targets $2T in Business Payments With Brex Buy
Thursday 22nd January - 8:53 pm
Capital One paired its fourth-quarter earnings report Thursday (Jan. 22) with the announcement of its ...American Consumers Fuel Strongest Quarterly Growth in Two Years
Thursday 22nd January - 1:26 pm
The U.S. economy is advancing on the strength of household spending even as the pace ...How Affordability Became America’s Conversation
Wednesday 21st January - 7:00 am
Most Americans probably don’t remember the exact inflation rate last year. But they remember that ...BNPL Becomes a Lifestyle Tool as 53% Use It for Experiences
Wednesday 21st January - 4:00 am
Americans are no longer just spreading payments over time. They are spreading risk, timing and ...Fed Data Shows the Consumer Holding up Until the Next $2,000 Emergency
Tuesday 20th January - 7:33 pmConsumer spending continues to show resilience, even after years of inflation and economic uncertainty, according ...Only 24% of Americans Saved More in 2025
Friday 16th January - 4:00 am
A growing share of Americans look financially stable on paper yet remain one unexpected bill ...Fed Beige Book Shows Consumers Resilient Despite Uncertainty
Thursday 15th January - 5:28 pm
The Federal Reserve’s latest Beige Book strikes a cautiously upbeat tone, pointing to modest economic ...November Sales Get a Boost as Consumers Turn to Online Retail
Wednesday 14th January - 12:03 pm
In the wake of the government shutdown, the delayed November retail sales report that debuted ...JPMorgan’s Dimon Bets on Tech and AI as Apple Card Buildout Begins
Tuesday 13th January - 12:50 pm
JPMorgan Chase’s fourth-quarter 2025 earnings results, released before the market opened Tuesday (Jan. 13), reflect ...Mid-Tier Retailers Caught Between Amazon and Walmart
Tuesday 13th January - 4:00 am
For decades, the retail industry was organized around a familiar axis: price versus experience, scale ...Latest Government Credit Data Signals a Reset and Resilience
Friday 9th January - 12:11 pm
The new year has dawned with consumers in the United States navigating a cooling labor ...BNPL’s Next Act Is as Consumer Working Capital
Thursday 8th January - 4:03 am
In 2026, Buy Now, Pay Later stops being a checkout feature and becomes working capital ...Higher Food Prices Erode Confidence Even for Six-Figure Earners
Thursday 8th January - 4:00 am
A growing share of Americans are losing confidence in their financial footing, as paycheck-to-paycheck stress ...Drones, Diamonds and the Ultra-Extravagant Impulse Buy
Saturday 3rd January - 4:00 am
Somewhere between the last peppermint latte and the first “dry January” seltzer, the consumer psyche ...Luxury Consumers Turn to Outlet Stores Amid Rising Prices
Friday 2nd January - 10:21 am
Luxury goods sellers are reportedly facing a tough market after raising their prices significantly after ...Say Hello to the Unsubscribe Olympics and the Resolution Economy
Thursday 1st January - 4:00 am
The digital economy has a seasonal rhythm. Late December is when consumers “zero out” recurring ...UK Card Spending Dips for First Time Since COVID
Tuesday 30th December - 8:22 amBritish consumers reportedly pulled back on their debit and credit card spending this year. It marks ...The Economic Warning Sign Hiding Behind White-Collar Layoffs
Tuesday 30th December - 4:00 am
White-collar layoffs at firms like McKinsey and Amazon grab headlines for their implications about artificial ...Malls Draw Gen Z Shoppers by Providing Opportunities to Socialize
Monday 29th December - 5:40 pm
Malls are drawing Gen Z shoppers by catering to young people’s desire to socialize in ...Retail Closes the Holiday Season Leaner and More Focused
Wednesday 24th December - 4:00 am
Retail in 2025 was defined less by a single breakthrough than by a set of ...Tanger CEO Stephen Yalof Says Holiday Shoppers Seek Value
Tuesday 23rd December - 5:41 pm
Holiday shoppers are willing to spend but are looking for value, Tanger CEO Stephen Yalof ...Consumer Spending Boosts US Economic Growth as Confidence Dips
Tuesday 23rd December - 12:46 pm
Two new sets of data show consumers are spending strongly but not feeling confident. U.S. gross ...Affordability Rewrites the Household Balance Sheet
Friday 19th December - 4:00 am
Rising prices are reshaping not just household budgets but the financial relationship between generations. Younger and ...Why Pay Timing Is Becoming the New Financial Fault Line
Friday 19th December - 4:00 am
The December 2025 update of the “Wage to Wallet™ Index” reveals an economy that is no ...Inflation Cools Overall But Consumers Stay Value-Driven
Thursday 18th December - 11:55 am
After weeks of a government shutdown, economic data continue to roll in, and the latest ...Retail Sales Stall as Paycheck-to-Paycheck Pressure Builds
Tuesday 16th December - 11:40 am
After weeks of delay, a fresh wave of government data is finally offering a clearer ...American Express Reports 9% Increase in Consumer Spending Around Thanksgiving
Wednesday 10th December - 4:49 pm
Consumer retail spending from the week before Thanksgiving through Cyber Monday (Dec. 1) was up ...Black Friday’s Big Traffic Shake-Up: Amazon Surges, Walmart Slips, Target Splits
Tuesday 9th December - 4:01 am
Retail’s triple crown of Walmart, Amazon and Target saw major shifts in who shopped this ...High-Income Households Lift Installment Adoption by 57%
Tuesday 9th December - 4:00 am
Consumers are reshaping how they use credit, and PYMNTS Intelligence data shows that installment plans ...The Gen X Factor in This Year’s Holiday Shopping Equation
Monday 8th December - 4:01 am
Gen Xers, the powerhouse of the U.S. consumer economy, are cutting back amid current financial ...
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