The Data Point news and trends

23% of Bridge Millennials Use 4 or More Financial Coping Tactics
Consumer Insights // June 30, 2026

Rising costs are pushing younger consumers to work harder at money management, even as fewer Americans say their coping strategies are actually helping. That is one of the clearest takeaways from “Generations Under Pressure: How Younger Consumers Are Coping With Higher Living Costs,” a new PYMNTS Intelligence...

70% of Consumers Pick Retailers Based on Payment Options
Checkout Conversion // June 26, 2026

Only about 20% of businesses appear ready for the next phase of shopping, where AI agents may help consumers find, compare and buy products before they ever visit a merchant’s site. That gap sits at the center of “The Next-Gen Commerce Playbook: Turning Checkout Into a...

The Data Behind Why Sentiment Misses the Spending Story
Consumer Finance // June 24, 2026

The most useful signal in consumer spending may not be how Americans feel about the economy. It may be how much room they have to keep moving. That is the practical takeaway from “The Three-Speed Consumer Economy: How Financial Capacity Is Rewriting Spending Behavior,” a...

Subprime Revolvers Fall 12 Points as Borrowers Shift How They Pay
Consumer Finance // June 23, 2026

A notable shift is showing up in the finances of subprime consumers: fewer of them are regularly carrying credit card balances month after month, suggesting a group often seen only through a risk lens is adapting its payment habits in practical ways. That is one...

Interviews & Exclusives
55% of Gen Z Lets Installment Payment Options Influence Healthcare Choices

September 04, 2026
Installment plans can turn the first financed purchase into a lasting shopping habit, giving merchants a chance to win repeat business well beyond the original checkout. That pattern stands out in “Financing the Decision,” the April installment of the PYMNTS Intelligence Pay Later Ecosystem Report. Based on a survey of 2,763 U.S. consumers conducted from […]

23% of Bridge Millennials Use 4 or More Financial Coping Tactics

June 30, 2026
Rising costs are pushing younger consumers to work harder at money management, even as fewer Americans say their coping strategies are actually helping. That is one of the clearest takeaways...

70% of Consumers Pick Retailers Based on Payment Options

June 26, 2026
Only about 20% of businesses appear ready for the next phase of shopping, where AI agents may help consumers find, compare and buy products before they ever visit a merchant’s...

The Data Behind Why Sentiment Misses the Spending Story

June 24, 2026
The most useful signal in consumer spending may not be how Americans feel about the economy. It may be how much room they have to keep moving. That is the...

Quick Reads
Digital Banks Fill Gaps in Small Business Working Capital Loans

January 17, 2023
As working capital from traditional lenders evaporates, SMBs are seeking fresh funds from digital channels. That’s according to PYMNTS and NCR’s report “Digital Banking Rises To Meet SMB Needs,” which showed that as SMBs raised prices last year to meet higher supplier and operating costs, many if not most believe they’ve hiked prices as far […]

56% of Consumers Say Storing Payment Info With Retailers Improves Checkout

November 22, 2022
Manually entering credit card information for each online purchase is such a source of friction and irritation that more than half of consumers are setting their security concerns aside and...

94% of Companies Plan Investments to Digitize Payments and Finance Functions

November 15, 2022
Demand for digitization in the payments and finance areas has reached critical velocity as a new sampling of CFOs shows near unanimous support for additional spending on this technology to...