PYMNTS News

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

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...

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

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...

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

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...

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The KYA Moment: Why Knowing Your Agent Is Becoming Table Stakes
The KYA Moment: Why Knowing Your Agent Is Becoming Table Stakes
January 12, 2026  |  artificial intelligence

“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....

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Legacy Business Models Break
Legacy Business Models Break
January 12, 2026  |  What's Trending

“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...

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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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SAP Product Chief Says Data Foundations, Not Storefronts, Now Define Retail Success
SAP Product Chief Says Data Foundations, Not Storefronts, Now Define Retail Success
January 12, 2026  |  artificial intelligence

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...

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Survey: 40% of Hourly Workers See No Benefit From Economic Growth
Survey: 40% of Hourly Workers See No Benefit From Economic Growth
January 12, 2026  |  Economy

Liquidity stress in the U.S. economy is no longer a background condition. Get the Full Story Complete the form to unlock this article and enjoy...

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