Studies Archive | PYMNTS.com

The Power of Now – April 2026

Ashley McLeod — Wed, 29 Apr 2026 08:00:47 +0000

“The Power of Now: Moving Money at the Speed of Life,” a collaboration between PYMNTS Intelligence and Visa Direct, unveils a $1.35 trillion gap between how payouts move today and how fast firms want them to flow. Slow payments are more than a consumer annoyance. They’re also a source of complaints, disputes, stress and operational cost.

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Wage to Wallet Index – March 2026

Ashley McLeod — Fri, 24 Apr 2026 08:00:02 +0000

AI disruption is no longer centered on higher-paying jobs. New PYMNTS Intelligence data show it is moving into the Labor Economy, where many workers have less training, less financial cushion and less confidence they can recover if technology changes their jobs.

Read more in the April 2026 Wage to Wallet Index, “The Resilience Deficit: Labor Workers in an Automated Economy,” a collaboration between PYMNTS Intelligence, WorkWhile and Ingo Payments.

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Instant Payments are Winning – April 2026

Ashley McLeod — Mon, 20 Apr 2026 08:00:29 +0000

Based on a survey of 4,835 U.S. consumers conducted from Oct. 31 to Dec. 30, 2025, this report examines why consumers are still turning away from instant payments and which payout categories lag in offering the method.

Download “Instant Payments are Winning. Why Are Some Consumers Still Saying No?”, a collaboration between PYMNTS Intelligence and Ingo Payments, to learn more.

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Digital Identity Verification Framework – April 2026

Ashley McLeod — Fri, 17 Apr 2026 08:03:40 +0000

In PYMNTS Intelligence’s new report in collaboration with Trulioo, “Scale Amplification: How Revenue Amplifies Agent-Driven Identity,” data shows that larger companies face a steeper mix of identity threats, rising friction and higher stakes when their fraud defenses miss the mark.

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Winning Top of Wallet – April 2026

Ashley McLeod — Wed, 15 Apr 2026 08:02:06 +0000

A credit card’s mobile app is far more than a service tool. Based on a survey of 3,198 U.S. adult consumers who hold at least one general-purpose credit card, conducted Feb. 27–March 3, 2026, “Winning Top of Wallet: How Credit Card Apps Shape Choice,” a collaboration between PYMNTS Intelligence and Elan Credit Card, shows that having a mobile app increasingly influences which card consumers use most—and what that means for spend and retention.

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Built to Lead or Losing Ground? – April 2026

Ashley McLeod — Mon, 13 Apr 2026 08:01:34 +0000

“Built to Lead or Losing Ground? AI, Mobile and the Member Retention Imperative for Credit Unions in 2026,” a new PYMNTS Intelligence report in collaboration with Velera, reveals just how quickly member expectations are shifting. One standout finding shows a 122% surge in demand for AI chat support among consumers who recently left a credit union, underscoring the stakes for institutions trying to retain members and stay competitive.

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The ABCs of AI Credit – April 2026

Ashley McLeod — Mon, 13 Apr 2026 08:00:51 +0000

Credit is moving from rigid rules to real-time intelligence as AI agents act on transactions at the speed of signal. The inaugural “ABCs of AI Credit: A Playbook for Issuers,” a collaboration with Thredd, shows issuers how to put agentic decisioning to work to lift approvals, cut friction and control risk.

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Embedded Offers – April 2026

Ashley McLeod — Fri, 10 Apr 2026 08:00:16 +0000

PYMNTS Intelligence surveyed 2,754 U.S. consumers from Feb. 12 to March 4, 2026, and found that half of the offers presented to consumers at checkout are never seen, and therefore never redeemed. When offers, rewards and discounts are embedded into the customer journey, data finds that they can shape what consumers buy, where they chose to shop and the methods they use to pay.

Download “Embedded Offers: The Billion-Dollar Opportunity Inside Recent Consumer Spending,” done in collaboration with FIS, now.

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The Emerging Middle Market – April 2026

Ashley McLeod — Wed, 08 Apr 2026 08:03:20 +0000

PYMNTS Intelligence surveyed 1,011 U.S. emerging middle-market businesses and found that many fast-growing firms are starting to outgrow the financial tools they rely on every day. The good news is that better payments, stronger cash visibility and more flexible access to credit could help these companies turn momentum into lasting growth. Learn more in “The Emerging Middle Market: When Operational Complexity Grows Faster Than Financial Infrastructure,” a collaboration between PYMNTS Intelligence and i2c.

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The Preference Match Imperative – April 2026

Ashley McLeod — Wed, 01 Apr 2026 08:00:34 +0000

Consumers are raising the bar on payout experiences, and many companies are missing it. New data shows satisfaction rises sharply when speed and recipient choice come together, especially in the moments that matter most. Download your copy of a PYMNTS Intelligence and Ingo Payments collaboration now.

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