PYMNTS Study

Credit Limit Denials Undermine Cardholder Trust
Credit Limit Denials Undermine Cardholder Trust
October 10, 2025  |  Consumer Finance

When consumers ask for more credit, they’re not just seeking spending power—they are testing trust. The new PYMNTS Intelligence and Elan Credit Card report reveals...

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14% of Americans Say Homeownership Drives Their Paycheck-to-Paycheck Strain
14% of Americans Say Homeownership Drives Their Paycheck-to-Paycheck Strain
October 10, 2025  |  Consumer Insights

Owning a home has long been shorthand for financial stability. Today it’s often the opposite. The July edition of PYMNTS Intelligence’s New Reality Check: The...

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The Weekly Pay Cycle Loses Steam as Employees Expect Instant Paychecks
The Weekly Pay Cycle Loses Steam as Employees Expect Instant Paychecks
October 09, 2025  |  Payroll

For decades, workers in the United States have organized their lives around a predictable, if rigid, rhythm. However, the biweekly paycheck cycle, long seen as...

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Fees Keep Nearly a Third of Small Businesses From Instant Pay Adoption
Fees Keep Nearly a Third of Small Businesses From Instant Pay Adoption
October 07, 2025  |  Real-Time Payments

Small business owners often see instant payments as the fix for sluggish cash flow. However, the PYMNTS Intelligence report “Immediate Impact: How SMBs Can Benefit...

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Nearly Half of FinTechs Now Partner With Credit Unions
Nearly Half of FinTechs Now Partner With Credit Unions
October 06, 2025  |  Partnerships

FinTechs may be talking themselves out of credit union deals. According to the PYMNTS Intelligence report “Credit Union Innovation Readiness: How FinTechs Are Shifting Their...

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Pix Surges 53% as Digital Payments Overtake Cards in Brazil
Pix Surges 53% as Digital Payments Overtake Cards in Brazil
October 03, 2025  |  Latin America

The story behind Latin America’s digital payments boom isn’t necessarily about consumers abandoning cash. It’s about a financial ecosystem where mobile wallets and instant transfers...

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More Than 1 in 10 Gen Z’s Buy What Influencers Recommend
More Than 1 in 10 Gen Z’s Buy What Influencers Recommend
October 02, 2025  |  Social Commerce

Generation Z is often portrayed as a disruptive force, reinventing money, work and consumption. Yet PYMNTS Intelligence’s “Gen Z Decoder Ring” report suggests something more...

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88% of Small Businesses Would Pay Fees to Be Paid in Real Time
88% of Small Businesses Would Pay Fees to Be Paid in Real Time
October 01, 2025  |  SMBs

Banks know real-time payments keep cash moving, yet they continue to tilt these services toward large enterprises. The March/April edition of the Real-Time Payments Tracker...

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35% of Online Purchases Now Flow Through Mobile Wallets
35% of Online Purchases Now Flow Through Mobile Wallets
September 30, 2025  |  Mobile

Mobile wallet use is spreading, but these digital apps aren’t replacing credit and debit cards. They’re burying them. The PYMNTS Intelligence report “Pocket Revolution: How...

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