Banking
Checkout.com Takes On US Acquiring With Bank Charter
January 12, 2026

Global digital payments provider Checkout.com secured approval for a Georgia bank charter. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no additional logins required. yesSubscribe to our daily newsletter, PYMNTS Today. By...

Consumer Finance
AI Rewrites Lending for Borrowers FICO Scores Miss
January 12, 2026

For millions of individuals in the U.S., exclusion from credit markets has less to do with repayment risk than with how creditworthiness has traditionally been measured. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS...

Cryptocurrency
Robinhood Takes On Coinbase as Stock and Crypto Overlap
January 12, 2026

Are Robinhood and Coinbase contemporaries in the digital asset space, or rivals? Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no additional logins required. yesSubscribe to our daily newsletter, PYMNTS Today. By...

SMBs
Why SMBs Can’t Afford Cash Flow Blind Spots as Bankruptcies Hit 15-Year High
January 12, 2026

When small- to medium-sized businesses (SMBs) fail, the postmortem can often fixate on a single cause. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no additional logins required. yesSubscribe to our daily...

B2B Payments
Obol to Expand Cash Flow Management Platform to Australia
January 12, 2026

Obol will begin offering its artificial intelligence-driven cash flow management platform in Australia in February. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no additional logins required. yesSubscribe to our daily newsletter,...

Artificial Intelligence
The KYA Moment: Why Knowing Your Agent Is Becoming Table Stakes
January 12, 2026

“Know your agent” (KYA) is emerging as the trust layer that makes delegated, machine-initiated commerce legible to networks, issuers and merchants before fraud systems intervene. Without it, agent-driven transactions are treated as suspicious noise. Approval rates fall, controls overcorrect and loyalty breaks. Get the Full...

What's Hot
Legacy Business Models Break
January 12, 2026

“Your margin is my opportunity” was Jeff Bezos’s way of describing Amazon’s hunger for bloated profit pools. In 2026, the real question isn’t whether margins get attacked, but who gets to turn whose margin into whose opportunity as consumers, enterprises and their agents decide how...

VISA
North American Middle-Market Firms Signal Major Working Capital Expansion in 2026
January 12, 2026

The “2025–2026 Growth Corporates Working Capital Index: North America Edition,” a collaboration between PYMNTS Intelligence and Visa, examines how middle-market companies across the United States and Canada are rethinking working capital as a strategic asset rather than as a defensive necessity. Based on a double-blind survey...

Artificial Intelligence
SAP Product Chief Says Data Foundations, Not Storefronts, Now Define Retail Success
January 12, 2026

Watch more: Monday Conversation with SAP CX’s Balaji Balasubramanian Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no additional logins required. yesSubscribe to our daily newsletter, PYMNTS Today. By completing this form,...