PYMNTS Study

46% of Small Businesses Would Pay for Better Digital Tools

46% of Small Businesses Would Pay for Better Digital Tools
46% of Small Businesses Would Pay for Better Digital Tools
July 16, 2026  |  SMBs

Small businesses want tools that give them more control over when money moves, how spending gets tracked and what happens when a payment goes wrong....

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Credit Unions Plan to Nearly Triple AI Payment Services
Credit Unions Plan to Nearly Triple AI Payment Services
July 16, 2026  |  Credit Unions

For credit unions (CUs), the race to strengthen AI capabilities may be decided by following through on the plans already in place rather than developing...

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48% of Online Shoppers Now Use AI Before Buying
48% of Online Shoppers Now Use AI Before Buying
July 16, 2026  |  Artificial Intelligence

AI agents have moved from the wish list to the shopping cart. The next test is simple: Can merchants keep control when software starts acting...

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44 Million Subprime Consumers Create a New Market for Payments Providers
44 Million Subprime Consumers Create a New Market for Payments Providers
July 15, 2026  |  Consumer Insights

For young subprime consumers, the clearest sign of financial pressure may show up not at the checkout counter, but at the doctor’s office. Get the...

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Earned Wage Access Reaches Workers but Fails to Win Them
Earned Wage Access Reaches Workers but Fails to Win Them
July 15, 2026  |  Payroll

On-demand pay was supposed to address a straightforward mismatch. Employees earn money every day, but traditional payroll systems release it every one or two weeks....

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78% of CFOs Say Payment Blind Spots Increase Customer Friction
78% of CFOs Say Payment Blind Spots Increase Customer Friction
July 15, 2026  |  Fraud Prevention

The best fraud prevention stops bad transactions and lets good ones move faster. But new findings in the June 2026 edition of The 2026 Certainty...

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The Grocery Run No Longer Belongs to One Retailer
The Grocery Run No Longer Belongs to One Retailer
July 14, 2026  |  Retail

A weekly grocery run seems like the perfect opportunity to fill a shopping cart with everything else a household needs. New data suggests consumers increasingly...

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Smaller Card Issuers Can Out-Compete the Giants, New Study Finds
Smaller Card Issuers Can Out-Compete the Giants, New Study Finds
July 13, 2026  |  Credit Cards

Customer lifetime value has long been treated as an output metric, a way to judge whether a card portfolio performed well after the fact. Increasingly,...

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