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Digital Transformation

PYMNTS Intelligence®

Digital Transformation Research

From Mainframes to Microservices: Cloud Migration Ushers In New Era for Financial Services

Welcome to the new era of banking, where legacy systems are being shattered and rebuilt from the ground up. This isn’t your grandfather’s tech upgrade; it’s a $1 trillion transformation that’s turning staid financial institutions into nimble tech powerhouses. J.P. Morgan Payments, the 150-year-old bank’s payments division, is deploying artificial...

HTML | Inside the January 2025 Report

The Modern Money Mobility Ecosystem - January 2025

Frameworks come in handy when business leaders need a structured approach to analyzing complex business situations. And, boy do they come in handy when technology and payments join forces to drive change and uncover new opportunities. The Framework Series™ does that, and we’re launching our first one today. Here’s a new framework for understanding how payments meets embedded banking to create an entirely new money mobility ecosystem.

PDF | Inside the January 2025 Report

Big Three: How Choice, Confidence and Convenience Drive Payments Optimization

As the digital transformation evolves, payments optimization has become the ultimate test for businesses striving to maintain a competitive edge. Companies are seeking the perfect balance in their payment processes to maximize both revenue and consumer engagement. Even small adjustments to payment processes can punch far above their weight, potentially...

HTML | Inside the January 2025 Report

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PYMNTS DATA

Why Payments Innovators Say Simplicity Is Their New KPI

Complexity is a hallmark of business, especially when it comes to money movement. Funds flow between senders and receivers in the blink of an eye. When they move across borders and currencies, there are several touch points in the mix. Ten executives told PYMNTS why simplicity is a new key...

HTML | Inside the November 2024 Report

The Great Paper Escape: Transforming Accounts Payable for the Digital Age

Paper checks continue to dominate the accounts payable (AP) landscape — a costly reality when digital payments innovation pulses through every artery of commerce. AP departments across industries remain mired in paper-based, legacy payments that erode business relationships. Suppliers increasingly demand buyer partners that ensure frictionless, timely payments. For AP...

HTML | Inside the November 2024 Report

How 10 Payments Executives ‘Do’ Digital in the Post-Pandemic Age

More than four years ago, the great digital shift — already in motion — began to accelerate at warp speed. The pandemic forced us all indoors. We lived life online, making purchases, waiting out supply chain snarls, paying online and working from home. The world sheltered in place, with digital conduits the...

HTML | Inside the September 2024 Report

Businesses at Risk: The High Cost of Manual AR Processes and What to Do About It

The speed of business today demands agility, yet outdated accounts receivable (AR) processes remain a stubborn bottleneck for many organizations. Increasingly, the complexity and volume of invoices threaten to overwhelm manual systems, leaving businesses even more vulnerable to inefficiencies and lost revenue. In the face of these challenges, AR automation...

HTML | Inside the August 2024 Report

Debit Cards In Digital Wallets Gaining Ground Across Sectors

As consumers leverage digital wallets in greater numbers, businesses across sectors must understand the latest trends to compete. One such trend is that debit cards have become the primary payment method digital wallet users ultimately leverage. This prevalence suggests that many users like digital wallets’ convenience but value the discipline...

HTML | Inside the August 2024 Report

GenAI and Voice Assistants: Adoption and Trust Across Generations

When they arrived on the scene, voice assistants seemed like sci-fi made real. Once hailed as revolutionary, they are now seeing a downshift in consumer enthusiasm. The share of U.S. consumers using voice assistants has sat at 60% this year. This ambivalence is evident across generations. Declining trust and satisfaction...

HTML | Inside the August 2024 Report

Using GenAI Strategically Is Riskier, but It Pays Off

Generative artificial intelligence (GenAI) holds immense potential for transforming how organizations deploy technology to improve operational efficiency and drive innovation. Still, many firms fail to fully leverage the technology’s capabilities. For example, half of surveyed chief marketing officers (CMOs) use GenAI for routine tasks like drafting emails and visualizing data....

HTML | Inside the July 2024 Report

Why More Restaurants Need to Bite Into Digital Transformation

Today’s restaurant customers crave the convenience of contactless payments, and opportunities abound to provide them. However, the comfort of conventional payment methods, coupled with the challenges of staffing shortages and broader macroeconomic factors, is impacting adoption rates, leaving some restaurants at risk of losing diners to more innovative competitors. Newer...

HTML | Inside the July 2024 Report

Automation or Information? Reducing Uncertainty in a Changing Business Landscape

According to PYMNTS Intelligence’s recent Certainty Report, one-third of middle-market companies in the United States operate in a highly uncertain environment. Uncertainty is problematic for businesses because it hinders their ability to make informed decisions, plan effectively and achieve their objectives. Uncertainty also involves risk, as firms may face unexpected...

HTML | Inside the July 2024 Report

How the World Does Digital - June 2024

Eleven countries. Sixty thousand consumers that represent 800 million digital lives comprising 50% of the global GDP. “How The World Does Digital is a landmark study that tracks digital transformation across 40 different activities showing how consumers work, live, pay, have fun, stay well and more. This report — delivered now for the third year by PYMNTS Intelligence — is an unparalleled snapshot of the digital innovation that is critical to understanding the evolution of the global digital landscape.

PDF | Inside the June 2024 Report

Core Strength: FIs Must Modernize to Meet the FinTech Challenge

Banks are increasingly aware of the competitive threat posed by digital-native FinTechs, which are quickly gaining market share with innovative digital offerings. Until 2024, only a minority of bankers saw this threat as significant, but that share rose to a majority this year, with 60% of bank executives now seeing...

HTML | Inside the May 2024 Report

Progress and Protection: Balancing Convenience and Security in Digital Banking

Digital transformation continues to fundamentally reshape the financial industry, promising unparalleled convenience through advancements such as artificial intelligence (AI), open banking and real-time payments. It also opens doors to both emerging and evolving types of fraud. Indeed, delivering the seamless, innovative digital banking experiences consumers demand is challenging enough, but...

HTML | Inside the May 2024 Report

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