PYMNTS Study

Optimism Rises Among Small Businesses Despite Persistent Financial Pressures

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...

READ MORE >
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...

READ MORE >
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...

READ MORE >
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...

READ MORE >
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...

READ MORE >
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...

READ MORE >
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...

READ MORE >
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...

READ MORE >
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...

READ MORE >