PYMNTS Intelligence

Credit Unions See AI’s Promise, but Readiness Lags Adoption

Credit Unions See AI’s Promise, but Readiness Lags Adoption
Credit Unions See AI’s Promise, but Readiness Lags Adoption
January 20, 2026  |  Artificial Intelligence

Artificial intelligence (AI) has the potential to help credit unions scale personalization, improve fraud detection and streamline operations, but only if the foundations beneath those...

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SRC Gives Agentic Commerce a New Guest Checkout Playbook
SRC Gives Agentic Commerce a New Guest Checkout Playbook
January 19, 2026  |  Artificial Intelligence

Agentic commerce promises a world in which transactions happen with less human intervention, fewer screens and fewer keystrokes. The shift may benefit guest checkout. Get...

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7 in 10 Banks Increase Fraud Spending as Losses and Complexity Grow
7 in 10 Banks Increase Fraud Spending as Losses and Complexity Grow
January 19, 2026  |  Fraud Prevention

Fraud is no longer just a cost line item for banks and payment firms. It is increasingly a force that shapes how institutions invest, modernize...

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Banks Overestimate Their Identity Defenses to the Tune of $34B a Year
Banks Overestimate Their Identity Defenses to the Tune of $34B a Year
January 16, 2026  |  Digital Identity

As financial services firms push deeper into digital channels, identity verification has quietly become one of the most consequential—and most underestimated—forces shaping growth, risk and...

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Insurance Policyholders Now Rate Insurers by How Fast They Pay
Insurance Policyholders Now Rate Insurers by How Fast They Pay
January 15, 2026  |  Insurance

With policyholders facing more choices, more transparency and fewer switching barriers, insurers are discovering that retention is no longer protected by inertia but earned through...

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Payment Declines Hit Gen Z Harder Than Any Other Generation
Payment Declines Hit Gen Z Harder Than Any Other Generation
January 15, 2026  |  Checkout Conversion

Forget “access denied.” “Payment declined” is Gen Z’s new refrain. Get the Full Story Complete the form to unlock this article and enjoy unlimited free...

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Pay by Bank Finds Momentum as Consumers Rethink Cards
Pay by Bank Finds Momentum as Consumers Rethink Cards
January 15, 2026  |  Payments Innovation

One of the U.S. payments industry’s unfulfilled promises is that bank-to-bank transfers would one day loosen the grip of cards. Get the Full Story Complete...

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Tariffs Force Firms to Rethink Technology as a Survival Tool
Tariffs Force Firms to Rethink Technology as a Survival Tool
January 15, 2026  |  Economy

The volatility wrought by tariffs is no longer a background risk but a daily operational reality, forcing companies to make strategic decisions with incomplete data...

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