PYMNTS Study

Credit Union Card Loyalty Pays Off in Deposits
Credit Union Card Loyalty Pays Off in Deposits
September 03, 2026  |  Credit Unions

Credit unions typically treat card usage as a payment metric. More transactions produce more interchange revenue, more engagement and a greater return on the cost...

READ MORE >
Debit Dominates as Low-Income Consumers Guard Cash Flow
Debit Dominates as Low-Income Consumers Guard Cash Flow
September 03, 2026  |  Economy

For merchants selling to low-wage consumers, the competition isn’t simply over who offers the lowest price. It’s over whether the purchase can clear a tight...

READ MORE >
Digital Sales Give Small Businesses a Map for Growth
Digital Sales Give Small Businesses a Map for Growth
September 03, 2026  |  SMBs

Digital channels gave small and medium-sized businesses more than reach in 2025. They gave those companies a measurable growth edge: Digital-led SMBs were 14 percentage...

READ MORE >
72% of UAE Shoppers Used AI for Their Latest Purchase
72% of UAE Shoppers Used AI for Their Latest Purchase
September 03, 2026  |  Consumer Insights

The UAE shopper has little patience for yesterday’s checkout. A phone can serve as a storefront, research assistant and wallet before a merchant’s website has...

READ MORE >
56% of Consumers Have Faced a False Payment Decline
56% of Consumers Have Faced a False Payment Decline
September 02, 2026  |  Fraud Prevention

Merchants may have more revenue to gain from approving good customers than from tightening fraud controls another turn. That opportunity runs through “The Performance Gap:...

READ MORE >
CFOs Forecast Better When Finance Sees More
CFOs Forecast Better When Finance Sees More
September 02, 2026  |  Back-office

The competitive advantage today isn’t forecasting tomorrow’s cash more accurately. It’s having less of today’s cash left to forecast. Data in the August 2026 edition...

READ MORE >
Why Merchants Get Better Results When Their Payment Systems Work Together
Why Merchants Get Better Results When Their Payment Systems Work Together
September 01, 2026  |  Payments Innovation

Adding payment processors is relatively easy. Getting substantially better payment performance from the resulting network appears to be much harder. That distinction stands out in...

READ MORE >
Why Merchants Save Their Best Offers for Checkout
Why Merchants Save Their Best Offers for Checkout
August 31, 2026  |  Data & Research

Merchants have plenty of ways to target shoppers with promotions. Their problem is getting the right offer in front of the right customer while there...

READ MORE >
82% of Fast-Growing Firms Demand Flexible Credit
82% of Fast-Growing Firms Demand Flexible Credit
August 31, 2026  |  Working Capital

Fast-growing middle-market companies aren’t always losing opportunities because lenders said no. Many are losing them because available credit can’t move quickly enough to become useful....

READ MORE >