The Data Point

Digital Shift Gives Amazon 27% Edge in Discretionary Spend

Digital Shift Gives Amazon 27% Edge in Discretionary Spend
Digital Shift Gives Amazon 27% Edge in Discretionary Spend
June 09, 2026  |  Retail

As shoppers put more of their budgets toward essentials, Amazon and Walmart are starting to play more distinct roles in American retail. Get the Full...

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79% of Middle-Market Firms Plan Embedded Finance Upgrades Within a Year
79% of Middle-Market Firms Plan Embedded Finance Upgrades Within a Year
June 03, 2026  |  Payments Innovation

Embedded finance is no longer a question of whether companies should offer financial services. The question is how they should build them. Get the Full...

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63% of SMBs See Cards as Their Best Refund Protection
63% of SMBs See Cards as Their Best Refund Protection
June 02, 2026  |  SMBs

For many small businesses, the move away from cash will depend less on digital enthusiasm than on whether new payment tools can feel as simple,...

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Lenders Have Been Reading Subprime Consumers All Wrong
Lenders Have Been Reading Subprime Consumers All Wrong
May 29, 2026  |  Consumer Insights

A new PYMNTS Intelligence report suggests the most important shift in consumer credit may not be happening among prime borrowers at all. Get the Full...

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36% of Gen Z Shoppers Use Digital Wallets as Checkout Habits Shift
36% of Gen Z Shoppers Use Digital Wallets as Checkout Habits Shift
May 28, 2026  |  Payment Methods

Consumers under pressure are not retreating from checkout so much as rewriting the rules of how they get there. Get the Full Story Complete the...

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Younger Consumers Juggle More Ways to Pay the Bills
Younger Consumers Juggle More Ways to Pay the Bills
May 27, 2026  |  Consumer Insights

Consumers are not just cutting back. Many, especially younger adults, are layering one money move on top of another to keep up with everyday costs....

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79% of Firms Now Verify Identity at Login
79% of Firms Now Verify Identity at Login
May 22, 2026  |  Identity

Agentic artificial intelligence may soon test the weakest point in a company’s identity system, but PYMNTS Intelligence data suggest the strongest defense may be a...

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More Than 4 in 10 Digital Bank Users Prefer Wallets Over Cards
More Than 4 in 10 Digital Bank Users Prefer Wallets Over Cards
May 18, 2026  |  Payment Methods

Digital bank customers are not just experimenting with new payment methods. They are increasingly reshaping what mainstream payments behavior looks like, particularly as mobile-first consumers...

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