The Data Point

63% of Cardholders Don’t Understand Credit Limit Decisions
63% of Cardholders Don’t Understand Credit Limit Decisions
November 03, 2025  |  Credit Cards

Credit card issuers have spent decades refining the science of credit scoring. But the latest research from PYMNTS Intelligence and Elan Credit Card suggests that...

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Gen Z Out-Saves Older Generations by 28%
Gen Z Out-Saves Older Generations by 28%
October 31, 2025  |  Consumer Insights

The most revealing statistic in The Gen Z Decoder Ring isn’t that Generation Z racks up 425 digital activity days each month, more than double that of...

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21% More Invoices Paid Early Signal a New Era of Supplier Trust
21% More Invoices Paid Early Signal a New Era of Supplier Trust
October 28, 2025  |  Working Capital

The surprise in the 2024-2025 Growth Corporates Working Capital Index isn’t that companies managed their cash better. Get the Full Story Complete the form to unlock...

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48% of Consumers Made Their Last Purchase With a Smartphone
48% of Consumers Made Their Last Purchase With a Smartphone
October 21, 2025  |  Retail

The next wave of retail disruption may not come from faster payments or smarter checkout tech, but from the habits of mobile window shoppers —...

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Nearly 70% of Millennials Say Gen AI Helps Them Work Smarter, Not Harder
Nearly 70% of Millennials Say Gen AI Helps Them Work Smarter, Not Harder
October 20, 2025  |  artificial intelligence

The emerging divide over generative AI isn’t simply generational. It’s about how much people trust technology to make judgment calls once reserved for humans. Get...

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Culture, Not Tech, Drives B2B Payment Delays
Culture, Not Tech, Drives B2B Payment Delays
October 17, 2025  |  Payment Methods

Even as artificial intelligence reshapes corporate finance and payments move in real time, one of the oldest habits in business continues to delay billions in...

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Half of Financially Stable Firms Use Financing to Fuel Growth
Half of Financially Stable Firms Use Financing to Fuel Growth
October 09, 2025  |  Loans

When uncertainty rises, so does nostalgia for the familiar. In the U.S. middle market, where firms straddle the line between enterprise scale and small business...

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63% of Americans Now Use Digital Wallets for Cross-Border Payments
63% of Americans Now Use Digital Wallets for Cross-Border Payments
October 08, 2025  |  Payment Methods

The digital divide that once separated who paid how across borders is narrowing fast. In the United States, digital wallets have become the great equalizer....

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65% of SMBs Are Ready to Switch Software for Embedded Finance
65% of SMBs Are Ready to Switch Software for Embedded Finance
September 26, 2025  |  SMBs

Small businesses have long depended on management software to keep the books balanced and payroll running. Get the Full Story Complete the form to unlock...

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