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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.

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The CFO

AI

Consumer Credit Economy

Zillennials

Subscription Market

Small Business

Paycheck-to-Paycheck

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    Generative AI has a multitude of use cases in the corporate world, but few areas are seeing as effective results as customer experience.

    AI in the Chat: Generative AI’s Growing Role in Customer Service

    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

    For most small to mid-sized businesses, essential financing tools remain out of reach. Discover how these barriers are shaping the future of Main Street.

    Main Street’s Credit Dilemma: Financing Barriers Impede SMBs’ Growth

    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

    CFOs and treasurers are ramping up their use of virtual cards, citing flexibility as a core benefit.

    CFOs Want Virtual Cards in Their Toolkits

    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 are turning to voice technology for everything from routine tasks to unexpected disruptions, setting new standards in digital engagement.

    Speaking Out: Zillennials Embrace Voice Technology Across Their Daily Lives

    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

    A large number of Americans live paycheck to paycheck — a condition that comes with significant credit challenges. Lower credit scores, higher balances and riskier credit options are unfortunate realities for too many families.

    How Paycheck-to-Paycheck Consumers Are Making Use of Credit

    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 are redefining digital engagement, embracing convenience and connectivity across every aspect of their lives. Their unique habits are reshaping industries and setting new standards for digital experiences.

    Zillennials Lead the Charge in Digital Convenience: Key Trends in Banking, Dining and Entertainment

    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

    As CFOs seek to read the tea leaves on a new year of economic uncertainty, generative AI is poised to play a more strategic role in their operations than ever before.

    Outlook 2025: CFOs Envision Growing Role for Generative AI in Finance

    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

    Healthcare firms are bullish on AI investments, and most have already deployed GenAI in product innovation and customer service initiatives.

    Healthcare Firms Going Long on GenAI Investment

    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 are transforming the payments landscape, favoring quick, easy digital transactions over traditional methods like cash or credit cards. Their growing preference for convenience is driving consumer expectations across industries.

    In-Store and Online, Digital Wallets and Debit Are Zillennials’ Signature Payments

    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

    Small businesses need credit, but to offer it, lenders need data that SMBs may worry about sharing. As the case of embedded lending illustrates, however, when real-time data sharing occurs, the result is more borrowing.

    How Data Sharing Boosts Credit Solutions for SMBs

    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

    AI is revolutionizing retail, with consumers increasingly seeking smarter, more personalized journeys. How are merchants adapting to meet this growing demand? Discover the trends shaping the future of shopping.

    Getting to Know You: How AI Is Shaping the Future of Shopping

    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

    More CFOs are focusing on AI to optimize their AR processes, cutting costs and improving cash flow predictability. Our latest research shows that middle-market firms are increasingly investing in AI-driven solutions to automate invoice approvals and payments.

    CFOs Eye Accounts Receivable as New Direction for AI Investments

    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

    Zillennial shoppers may love a good deal, but brands have a chance at building deep, lasting loyalty with this demographic by winning them over with the right values or recommendations. Discover how this influential generation is making its mark on the market.

    What Makes Zillennials Shop?

    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 are eager to access embedded lending, but many are left out of the fold. Blame the lenders — or the complex embedded finance landscape.

    Small Businesses Want Embedded Lending, So Why Are They Not Getting It?

    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

    Middle-market firms can make real-time payments their biggest ally to mitigate uncertainty and enable growth. Nearly nine in 10 heads of payments who use instant payments see this method as a catalyst for growth.

    How CFOs Can Fight Uncertainty With Instant Payments

    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

    Most middle-market CFOs view GenAI as broadly positive for data security, fraud prevention and risk management — and they reveal which use cases are more convincing than others.

    CFOs Bullish on GenAI for Cybersecurity and Anti-Fraud

    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

    Zillennials — a micro-generation comprised of consumers born between 1991 and 1999 — juggle subscription-based lifestyles, the allure of pay later services and a growing interest in investing.

    Savings Versus Spending – How Zillennials Are Changing Personal Finance Trends

    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 programs have become an established payment alternative, with shoppers using them for large and small purchases alike. While banks and FinTechs are eager to seize the pay later opportunity, they must reckon with the emerging trend lines for users of these tools — and shape their offerings accordingly.

    Pay Later Users Split Between ‘Choice’ and ‘Necessity’

    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

    GenAI is transforming the enterprise, both large and small, but only a fraction of firms fully exploit its strategic potential.

    Using GenAI Strategically Is Riskier, but It Pays Off

    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

    The decision to automate is a crucial strategy for improving business efficiency and viability, but can automation actually reduce business uncertainty?

    Automation or Information? Reducing Uncertainty in a Changing Business Landscape

    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