PYMNTS Study

Nearly 1 in 5 Gen Z Turn to BNPL as Traditional Credit Plays a Smaller Role

Nearly 1 in 5 Gen Z Turn to BNPL as Traditional Credit Plays a Smaller Role
Nearly 1 in 5 Gen Z Turn to BNPL as Traditional Credit Plays a Smaller...
December 04, 2025  |  BNPL

Generation Z consumers are not only saving more; they’re reshaping how financial activity moves, stores and circulates online. Their behavior is challenging long-standing assumptions in...

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Gen Z Faces Financial Stress as Hourly Wages Lose Ground
Gen Z Faces Financial Stress as Hourly Wages Lose Ground
December 02, 2025  |  Economy

How your job pays you as an employee is important. Half of Generation Z workers earn hourly wages, according to PYMNTS Intelligence’s “Income Instability Is...

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Digital Brands Turn Embedded Finance Into a Growth Lever
Digital Brands Turn Embedded Finance Into a Growth Lever
December 01, 2025  |  Payments Innovation

Embedded finance is moving from a strategic initiative to a core requirement as firms across industries weave financial services into their platforms. The PYMNTS Intelligence...

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64% of Marketplaces Cut Churn With Embedded Finance Tools
64% of Marketplaces Cut Churn With Embedded Finance Tools
November 27, 2025  |  Payments Innovation

Online marketplaces have spent the last decade layering payments and financial tools into their platforms. Now, they are shifting from experimentation to disciplined execution as...

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$828 Million in Healthcare Savings Points to Low-Code Adoption
$828 Million in Healthcare Savings Points to Low-Code Adoption
November 25, 2025  |  Healthcare

Software platforms serving education, healthcare and field services are adopting embedded payments at a pace that signals a shift in how these industries want to...

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Payroll Emerges as the Next Battleground in Embedded Finance
Payroll Emerges as the Next Battleground in Embedded Finance
November 24, 2025  |  Payments Innovation

For years, embedded finance simmered in the background of digital transformation. It was an intriguing but optional layer of functionality that allowed companies to process...

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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. The...

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