PYMNTS Study

Optimism Rises Among Small Businesses Despite Persistent Financial Pressures
Optimism Rises Among Small Businesses Despite Persistent Financial Pressures
November 24, 2025  |  SMBs

Many small- to medium-sized businesses (SMBs) are looking past the trade-driven uncertainty dominating national headlines and are instead showing a level of confidence not seen...

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57% of US Adults Use Gen AI as Millennials Pull Ahead on Productivity
57% of US Adults Use Gen AI as Millennials Pull Ahead on Productivity
November 21, 2025  |  Artificial Intelligence

Consumers in the United States may be embracing generative artificial intelligence at record levels, but each generation weighs AI’s promise against its risks differently. Get...

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Hourly Wage Drop Foreshadows a $14B Hit to Consumer Spending
Hourly Wage Drop Foreshadows a $14B Hit to Consumer Spending
November 21, 2025  |  Consumer Finance

The “Wage to Wallet™ Index: Wage Volatility’s $14B Consumer Spending Gap,” a collaboration between PYMNTS Intelligence, WorkWhile and Ingo Payments, offers a detailed look inside...

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Consumers Lose Ground in Holiday Shopping Season Even as Paycheck Stress Briefly Eases
Consumers Lose Ground in Holiday Shopping Season Even as Paycheck Stress Briefly Eases
November 20, 2025  |  Consumer Insights

As the annual holiday shopping ritual ramps up, consumers’ finances are less robust than they might appear. Get the Full Story Complete the form to...

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Gen Z Fuels 20 Percent Surge in Store Card Installments
Gen Z Fuels 20 Percent Surge in Store Card Installments
November 16, 2025  |  Buy Now Pay Later

A shift is taking hold inside the pay later economy, and it is not the one that most observers expected. Get the Full Story Complete...

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Compliance Becomes the New Competitive Edge in Embedded Finance
Compliance Becomes the New Competitive Edge in Embedded Finance
November 13, 2025  |  Retail

“Retailers Expand Embedded Finance to Unlock Control and Customization,” a collaboration between PYMNTS Intelligence and Marqeta, explores how retailers are transforming payments from a back-end...

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Top Issuers See Flex Credentials as Strategy to Stop Churn
Top Issuers See Flex Credentials as Strategy to Stop Churn
November 13, 2025  |  Payments Innovation

Even the most successful card issuers cannot rest on their laurels. Get the Full Story Complete the form to unlock this article and enjoy unlimited...

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Instant Payouts Turn One-Time Users Into Lifelong Loyalists
Instant Payouts Turn One-Time Users Into Lifelong Loyalists
November 12, 2025  |  Disbursements

“From Fast to Sticky: Why Instant Payouts Win Repeat Customers,” a collaboration between PYMNTS Intelligence and Ingo Payments, reveals how the speed and affordability of payouts...

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Gen Z Wallet Use Rises 23% as Older Shoppers Catch Up
Gen Z Wallet Use Rises 23% as Older Shoppers Catch Up
November 11, 2025  |  Mobile Wallets

The global shift toward mobile wallets is often described as a Generation Z movement. Get the Full Story Complete the form to unlock this article...

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