PYMNTS Study

Why SMBs Now See Software as the Engine of Expansion

Why SMBs Now See Software as the Engine of Expansion
Why SMBs Now See Software as the Engine of Expansion
October 13, 2025  |  SMBs

For small- to medium-sized businesses (SMBs), embedded finance is no longer a fringe feature. It’s the price of admission. In addition to adoption, rising expectations...

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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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