Non-bank financial institutions like pension funds, insurance companies, hedge funds and money market funds could present risks to financial stability as their role in the financial system grows, Dave Ramsden, deputy governor, markets and banking at the Bank of England, said Monday (Dec. 9). Get...
Understanding which consumers are drawn to which cards can help financial institutions hone their marketing. PYMNTS Intelligence data shows that nearly 1 in 3 consumers opened a new credit card within the last 12 months, and 4 in 5 were already cardholders. Many of these...
The ability to access credit is a necessity in today’s economy. However, 16% of U.S. consumers find themselves without a credit card. Lack of credit access limits these consumers’ financial flexibility and restricts their access to a valuable lifeline in emergencies. We call these consumers,...
Flexible and accessible borrowing tools are a financial cornerstone for many small to mid-sized businesses (SMBs). PYMNTS Intelligence’s latest study finds that 90% of SMBs have used at least one type of borrowing tool in the past year. Get the Full Story Complete the form...
October 10, 2025
When consumers ask for more credit, they’re not just seeking spending power—they are testing trust. The new PYMNTS Intelligence and Elan Credit Card report reveals how a single “yes” or “no” can redefine customer loyalty, shape financial confidence and even shift market share. Behind every credit approval or denial is a data story about emotion, […]
January 31, 2024
Flexible and accessible borrowing tools are a financial cornerstone for many small to mid-sized businesses (SMBs). PYMNTS Intelligence’s latest study finds that 90% of SMBs have used at least one...
August 31, 2023
In a credit-based economy like the United States, credit scores have a big impact on consumers’ ability to access loans and afford everyday essentials. Get the Full Story Complete the...
March 27, 2023
Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no additional logins required. yesSubscribe to our daily newsletter,...
December 09, 2024
Non-bank financial institutions like pension funds, insurance companies, hedge funds and money market funds could present risks to financial stability as their role in the financial system grows, Dave Ramsden, deputy governor, markets and banking at the Bank of England, said Monday (Dec. 9). Get the Full Story Complete the form to unlock this article […]
December 06, 2023
Mexico’s central bank has found that the country’s financial system remains resilient and stable despite the challenges posed by the complex global economic landscape. Get the Full Story Complete the...
November 05, 2023
American regulators approved new guidelines for monitoring financial risk following this year’s banking crisis. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access...
October 27, 2023
Michael S. Barr, vice chair for supervision at the Federal Reserve, addressed the increased experimentation with new payment technologies, such as stablecoins and central bank digital currencies (CBDCs), on Friday (Oct....
