PYMNTS Intelligence

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

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...

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

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...

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Why Today’s CFO Is Part Economist, Strategist and Risk Officer
Why Today’s CFO Is Part Economist, Strategist and Risk Officer
January 12, 2026  |  CFO

The CFO’s mandate has traditionally been to optimize within existing systems. Finance chiefs manage costs, allocate capital, forecast with increasing precision and ensure their company...

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Embedded Finance Pays Off for 54% of US B2B Platforms
Embedded Finance Pays Off for 54% of US B2B Platforms
January 09, 2026  |  B2B Payments

B2B platforms are discovering that embedded finance is becoming less a feature add-on and more a structural lever for how they grow revenue, deepen customer...

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BNPL’s Next Act Is as Consumer Working Capital
BNPL’s Next Act Is as Consumer Working Capital
January 08, 2026  |  News

In 2026, Buy Now, Pay Later stops being a checkout feature and becomes working capital for the modern middle class, replacing overdraft and late fees...

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Smart Accounts Payable Pays Suppliers Faster and Wins Leverage
Smart Accounts Payable Pays Suppliers Faster and Wins Leverage
January 08, 2026  |  Accounts Payable

When suppliers know payments will arrive on time and exceptions will be resolved swiftly, trust grows. Get the Full Story Complete the form to unlock...

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Higher Food Prices Erode Confidence Even for Six-Figure Earners
Higher Food Prices Erode Confidence Even for Six-Figure Earners
January 08, 2026  |  Economy

A growing share of Americans are losing confidence in their financial footing, as paycheck-to-paycheck stress becomes a defining feature of the economy rather than a...

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72% of B2B Buyers Favor Suppliers With Embedded Payment Options 
72% of B2B Buyers Favor Suppliers With Embedded Payment Options 
January 08, 2026  |  B2B Payments

The most telling signal in the latest PYMNTS Intelligence research is not how fast embedded finance is spreading, but how decisively companies are stepping away from building...

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Fraud Orchestration Puts Merchants Back in Charge
Fraud Orchestration Puts Merchants Back in Charge
January 07, 2026  |  Fraud Prevention

For years, fraud prevention lived in the shadows of digital commerce. It was essential, yes, but also costly and largely invisible. Get the Full Story...

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