PYMNTS Intelligence

Nearly 3 in 4 Premium Cardholders Used a Card-Linked Offer in the Past Year

Nearly 3 in 4 Premium Cardholders Used a Card-Linked Offer in the Past Year
Nearly 3 in 4 Premium Cardholders Used a Card-Linked Offer in the Past Year
February 10, 2026  |  Credit Cards

Consumers who pay the most for their credit cards turn out to be the ones least likely to ignore them. Just 3.9% of premium cardholders...

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35% of Consumers Plan to Use Tax Refunds to Boost Savings
35% of Consumers Plan to Use Tax Refunds to Boost Savings
February 09, 2026  |  Consumer Insights

Tax season officially began on Jan. 26, and refunds are already starting to reach consumers’ accounts this month. While the arrival of refunds is annual,...

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Buy Now, Pay Later Moves to Groceries, Utilities and Travel as Millennials Lead the Shift
Buy Now, Pay Later Moves to Groceries, Utilities and Travel as Millennials Lead the Shift
February 09, 2026  |  Consumer Finance

What began as a checkout convenience for sneakers and sofas is now threading its way into grocery aisles, utility bills and subscription renewals, as paying...

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Digital Banks Win With Younger and Lower-Income Consumers
Digital Banks Win With Younger and Lower-Income Consumers
February 09, 2026  |  Digital-First Banking

Digital bank users are not simply early adopters of new payment methods. They represent a distinct slice of the U.S. banking population, shaped by age, income, education and daily...

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90% of FinTechs Offer Embedded Payments as Competition Intensifies
90% of FinTechs Offer Embedded Payments as Competition Intensifies
February 09, 2026  |  B2B Payments

“FinTechs Tap Embedded Payments to Deepen Customer Relationships” finds that embedded finance has become a competitive differentiator, enabling FinTechs to weave payments and other financial...

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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  |  Faster 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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