For “The Pay Later Ecosystem Report: Consumers Will Let AI Recommend Pay Later, But They Want Control,” a PYMNTS Intelligence report created in collaboration with Splitit, PYMNTS surveyed 2,034 U.S. consumers to see how AI shapes Pay Later decisions at checkout. The data shows that shoppers are open to AI recommendations, but only when credit protection, cost and control stay firmly in their hands.
PDF | Inside the June 2026 Report
PYMNTS surveyed 5,841 consumers and 1,185 merchants across the U.S., Brazil and the UAE and found that AI, mobile and payment choice are reshaping the shopping journey. Nearly half of online shoppers used AI in their latest purchase, but many merchants are still moving too slowly.
For more, download “Global Digital Shopping Index: The AI-Powered Shopper Has Arrived,” a PYMNTS Intelligence report commissioned by Visa Acceptance Solutions.
PDF | Inside the June 2026 Report
PYMNTS surveyed nearly 14,000 consumers and just under 2,500 SMBs, along with 500 credit union executives and 100 FinTech executives, to understand demand for AI-powered financial tools. The findings show a clear gap: Consumers and SMBs want practical AI help with money management, but many credit unions are still early in delivering it.
Read more in “AI at the FI: Inside Credit Unions’ Demand-Execution Gap,” a PYMNTS Intelligence and Velera collaboration.
PDF | Inside the May 2026 Report
Google became the dominant gateway to the internet not because it was the best at everything, but because search was the right on-ramp. It was a task everyone needed, nearly every day, that delivered immediate value without any prerequisite knowledge. You did not need to understand how PageRank worked. You...
HTML | Inside the April 2026 Report
Decision makers at major businesses already know that artificial intelligence can deliver value. Skepticism among leaders at enterprises (companies with $1 billion or more in annual revenue) has basically evaporated. Now new data points to the next obstacle: an organization’s internal readiness. The latest edition of the PYMNTS Intelligence Enterprise...
HTML | Inside the April 2026 Report
More Americans are now using artificial intelligence in their everyday lives, and usage is becoming more regular, increasingly mobile and more closely tied to dedicated apps. The latest PYMNTS Intelligence data shows a market moving from trial to habit as consumers make AI part of daily routines. Consumer AI Usage...
HTML | Inside the March 2026 Report
