PYMNTS Intelligence

Credit Data Shows Spending Discipline as Card Balances Rise

Credit Data Shows Spending Discipline as Card Balances Rise
Credit Data Shows Spending Discipline as Card Balances Rise
February 06, 2026  |  Consumer Finance

The Federal Reserve’s latest consumer credit data points to a familiar seasonal pattern, with revolving balances moving higher as households navigated year-end expenses and holiday...

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73% of Microbusinesses Say Real-Time Payments Improve Cash Flow
73% of Microbusinesses Say Real-Time Payments Improve Cash Flow
February 06, 2026  |  Real-Time Payments

For many small businesses, the most important payment is no longer the one they expect. It is the one they do not. Get the Full...

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Instant Payments Hit Mainstream as Consumer Adoption Climbs to 74%
Instant Payments Hit Mainstream as Consumer Adoption Climbs to 74%
February 05, 2026  |  Disbursements

Instant payments have moved from novelty to norm, reshaping how consumers expect to receive money across payroll, insurance, rewards and platform disbursements. Nearly three in...

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Two-Thirds of Cardholders View Issuers More Positively After Credit Limit Increases
Two-Thirds of Cardholders View Issuers More Positively After Credit Limit Increases
February 05, 2026  |  Credit Cards

Nearly three-quarters of credit cardholders who requested a limit increase and were denied turned to installment plans as an alternative source of credit, revealing how...

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Pay Flexibility Rises as More Workers Earn Variable Income
Pay Flexibility Rises as More Workers Earn Variable Income
February 04, 2026  |  Gig Economy

As inflation, layoffs and uneven wage growth continue to strain household budgets, millions of Americans living paycheck to paycheck are relying on side hustles and...

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75% of Tech Firms Say They Are Extremely Familiar With AI Agents
75% of Tech Firms Say They Are Extremely Familiar With AI Agents
February 03, 2026  |  Artificial Intelligence

The next phase of artificial intelligence (AI) adoption is not arriving evenly across the economy. It is taking shape first inside the technology sector itself,...

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CFOs Say Cash Visibility Matters More Than Capital Access
CFOs Say Cash Visibility Matters More Than Capital Access
February 02, 2026  |  Business

The 21st century has flipped many longstanding business assumptions on their heads. Not the least of which is the traditional point of view that working...

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Digital Wallet Use Still Lags in the Physical Store
Digital Wallet Use Still Lags in the Physical Store
January 30, 2026  |  Payment Methods

Online shopping has stopped being a young person’s game, and the data now points to a broader shift: where consumers shop is increasingly tied to...

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