Americans facing higher bills are taking three different approaches to their paychecks, and the largest group is still holding spending steady or increasing it. That finding helps businesses avoid treating every stretched household as a consumer preparing to stop buying. PYMNTS Intelligence’s “The Fragmented Paycheck:...
Watch more: Need to Know With Max Spivakovsky of SoFi A consumer does not have to stop spending to become more careful about money. Debit spending offers a closer look at how consumers are balancing everyday expenses with travel and entertainment, according to Max Spivakovsky,...
Federal Reserve Gov. Michael Barr is urging lenders to look beyond conventional credit histories when evaluating consumers and entrepreneurs with criminal records, pointing to cash-flow underwriting, alternative financial data and artificial intelligence (AI) as tools that could identify borrowers whose current finances are stronger than...
Economic pressure is incentivizing consumers more reason to compare the cost of a purchase, the possibility of financing behind it and the alternatives before committing. Financial providers are embedding those choices into a new place: the artificial intelligence (AI) platforms consumers are using to research...
October 08, 2026
Americans facing higher bills are taking three different approaches to their paychecks, and the largest group is still holding spending steady or increasing it. That finding helps businesses avoid treating every stretched household as a consumer preparing to stop buying. PYMNTS Intelligence’s “The Fragmented Paycheck: Why Rising Spending No Longer Means Stronger Demand,” part of […]
October 07, 2026
Watch more: Need to Know With Max Spivakovsky of SoFi A consumer does not have to stop spending to become more careful about money. Debit spending offers a closer look...
August 26, 2026
As today’s consumer confidence reading from The Conference Board shows, metrics can be complicated. They may be holding in a narrow range, but household finances are moving in a less...
August 10, 2026
Watch more: Monday Conversation With Method’s Jose Bethancourt A lender underwrites a borrower on the strength of a financial picture that starts aging the moment the loan closes. It’s then...
September 02, 2026
Federal Reserve Gov. Michael Barr is urging lenders to look beyond conventional credit histories when evaluating consumers and entrepreneurs with criminal records, pointing to cash-flow underwriting, alternative financial data and artificial intelligence (AI) as tools that could identify borrowers whose current finances are stronger than their credit files suggest. Speaking Tuesday (Sep. 1) at the […]
August 18, 2026
Personetics has added open finance intelligence to its artificial intelligence (AI)-powered personalization platform for banks and credit unions by partnering with Plaid, Personetics said in a Tuesday (Aug. 18) press release. This partnership enables banks...
August 11, 2026
Private credit firms are reportedly moving away from an industry perk called payment in kind. As the Wall Street Journal (WSJ) reported Tuesday (Aug. 11), payments in kind (PIK) have...
July 15, 2026
The New York State Department of Financial Services (DFS) posted a notice of proposed rule making regarding buy now, pay later (BNPL) lenders together with the text of the proposed regulation Wednesday (July 15) and will...
