Stay at the forefront of your industry with our monthly research series. The MonitorEdge report series provides unparalleled insights and data, empowering you to navigate and lead in a rapidly evolving market.
Engage in vital conversations within seven key topics identified by our analysts. Gain insights from comprehensive research studies, the latest news updates, emerging trends, voice-of-the-customer interviews and executive opinions.
The widespread use of generative artificial intelligence in the corporate arena continues to expand. Executives exploring its uses in multiple verticals have seized on its capacity to streamline routine tasks. However, according to PYMNTS Intelligence research, chief marketing officers (CMOs) are increasingly using the technology for one strategic aim: improving the customer experience. PYMNTS Intelligence … Read more
Small to mid-sized businesses (SMBs) are essential to the economy. Main Street SMBs, however, encounter barriers to financing, from limited access to excessive costs to eligibility hurdles. These obstacles can vary sharply by factors such as the business’s location or revenue. Understanding these disparities sheds light on the financing challenges SMBs face and how these … Read more
Virtual credit cards are fast becoming an important part of CFOs’ working capital management toolkits. They offer financial flexibility and ready-to-tap external working capital, just like more traditional credit cards or bank lines of credit. Unlike these traditional options, however, virtual cards have easier spend-tracking features, spend control capabilities and buyer-supplier payment integrations that streamline … Read more
Zillennials — the microgeneration spanning consumers born between 1991 and 1999 — are using voice technology across their daily lives. From going about their daily routines to managing disruptions, zillennials are using voice assistants more than older generations. This demographic integrates voice tech for a variety of tasks, including online shopping, financial management and retrieving … Read more
According to PYMNTS Intelligence research, 62% of Americans now live paycheck to paycheck, with each pay period providing just enough money to make it to the next. This lifestyle carries significant risk due to unexpected expenses. Needing to pay for a car repair, for example, could mean not having enough money for food in any … Read more
Zillennials — the 39.3 million consumers born between 1991 and 1999 — are shaping digital trends in banking, dining and entertainment. The behavior of this generation, spanning older Generation Z and younger millennial consumers, reveals distinct preferences for the convenience of mobile apps and third-party platforms, setting it apart from older generations. As the digital … Read more
Few technologies have garnered more attention in recent years than generative artificial intelligence, with nearly every industry exploring its potential uses and impacts. One survey indicated that 65% of firms are regularly using generative AI in some capacity, and this number is expected to continue to increase. Generative AI’s ability to reduce manual tasks — … Read more
GenAI is shaking up major industries, especially those that rely on big data and advanced technology. In the healthcare sector, forward-looking firms are doubling down on their GenAI investments with a long-term growth perspective. PYMNTS Intelligence polled C-suite executives at healthcare firms generating at least $1 billion in annual revenue on their GenAI strategies. Nine … Read more
Zillennials demand that their payment options be quick and easy. This microgeneration — consumers born between 1991 and 1999 — is accustomed to seamless digital convenience. Rather than counting out cash or even digging into their wallets for credit cards, these consumers disproportionately want to be able to tap their phones and go. As these … Read more
In today’s uncertain business landscape, small to mid-sized businesses (SMBs) are increasingly in need of accessible financing to cover potential gaps in cash flow. Embedded lending — credit integrated directly into purchase platforms for which borrowers can apply when paying for products — is proving to be an especially helpful, fast and convenient solution for … Read more
As artificial intelligence (AI) continues to reshape retail, consumer demand for smart shopping experiences is growing rapidly. The majority of shoppers now want AI, particularly high-income individuals and the younger consumers who represent the future of commerce. Retailers are responding by integrating innovative technologies that enhance shopping experiences, from personalized recommendations to virtual try-ons and … Read more
CFOs are gaining confidence about using artificial intelligence (AI) to optimize financial processes. Source-to-pay processes (S2P), which include both accounts payable (AP) and accounts receivable (AR), are areas of particular interest. Nearly two-thirds of CFOs (63%) experienced delays in the S2P cycle over the past year. Many identified payment execution and authorization as pain points. … Read more
Zillennials — the younger millennial and older Generation Z consumers born between 1991 and 1999 — are changing the retail landscape with their distinct preferences and values-motivated buying habits, PYMNTS Intelligence research reveals. As this generation comes of age, their impact on the market is becoming increasingly apparent. Zillennials are decisive shoppers, strongly driven by … Read more
Small businesses and microbusinesses are eager to access embedded lending. Some want to go further and integrate embedded lending into their own platforms. The benefits of smoother cash flow and happier customers are worth it. But often, the embedded lending ecosystem stands in their way. Lenders face many technology and infrastructure integration issues in offering … Read more
When you ask CFOs to identify the main drivers of business uncertainty, their responses often include economic conditions, supply chain disruptions, labor shortages, consumer behavior or even geopolitical factors — all of which are beyond their control. However, there exists a powerful tool that is becoming increasingly crucial for helping middle-market companies mitigate uncertainty: the … Read more
CFOs must keep visionary CEOs and other ambitious executives grounded in financial reality. This means ensuring that any new technology investments produce impacts that justify the price tags, regardless of perceived usefulness. Effective CFOs want to cut through all the buzz around generative artificial intelligence (GenAI) and see exactly how the technology is effective in … Read more
The zillennial generation represents a cross-section of older Gen Z and younger millennial consumers — and is developing clear habits. As digital natives, this generation tends to flock to online channels for shopping, entertainment and to connect via social media more than their parents and grandparents. Like Gen Z and millennial consumers, zillennials are more … Read more
Pay later options have shaken up the retail world over the past several years. As opposed to traditional credit options that offer a maximum limit on a card and bill the user for all monthly purchases, pay later programs allow the user to split a single purchase over a set number of payment installments, sometimes … Read more
Generative artificial intelligence (GenAI) holds immense potential for transforming how organizations deploy technology to improve operational efficiency and drive innovation. Still, many firms fail to fully leverage the technology’s capabilities. For example, half of surveyed chief marketing officers (CMOs) use GenAI for routine tasks like drafting emails and visualizing data. Just 20% use it for … Read more
According to PYMNTS Intelligence’s recent Certainty Report, one-third of middle-market companies in the United States operate in a highly uncertain environment. Uncertainty is problematic for businesses because it hinders their ability to make informed decisions, plan effectively and achieve their objectives. Uncertainty also involves risk, as firms may face unexpected events or outcomes that can … Read more