PYMNTS Study

Banks Face New Gen Z Credit Test as BNPL Use Spreads

Banks Face New Gen Z Credit Test as BNPL Use Spreads
Banks Face New Gen Z Credit Test as BNPL Use Spreads
May 19, 2026  |  Buy Now Pay Later

Generation Z now holds the lowest average credit score of any generation, 676 according to FICO, down three points in one year. Get the Full...

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Banks Discover AI’s Best Trick Is Boring
Banks Discover AI’s Best Trick Is Boring
May 15, 2026  |  Artificial Intelligence

Artificial intelligence got its start by hitting customer-facing home runs. For financial services, the technology appeared poised at first to stay there. Get the Full...

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74% of Cardholders Push Issuers Toward Flexible Credit Options
74% of Cardholders Push Issuers Toward Flexible Credit Options
May 15, 2026  |  Credit Cards

Credit products are becoming more configurable, more installment-oriented and more closely tied to real-time consumer behavior. Get the Full Story Complete the form to unlock...

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Why the DIY KYC Model Is Facing a Fraud Reality Check
Why the DIY KYC Model Is Facing a Fraud Reality Check
May 14, 2026  |  Digital Identity

A collaboration between PYMNTS Intelligence and Trulioo, “Built or Bought: How KYC/KYB Ownership Shapes Risk, Cost and Growth” examines how companies’ choices about identity verification...

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Report Shows Real-Time Payments Promise CFOs More Than Speed
Report Shows Real-Time Payments Promise CFOs More Than Speed
May 14, 2026  |  Real-Time Payments

“Ready and Willing: B2B Payments Are Headed for Real-Time Rails. Here’s How They’re Getting There” is a collaboration between PYMNTS Intelligence and The Clearing House....

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Report Finds AI Is Widening the Issuer Performance Gap
Report Finds AI Is Widening the Issuer Performance Gap
May 13, 2026  |  Credit Cards

Customer lifetime value (CLTV) has long been seen as something that naturally grows as card issuers add more customers and launch more products. But this...

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24% of Bank CEOs Put AI Cybersecurity First
24% of Bank CEOs Put AI Cybersecurity First
May 13, 2026  |  Cybersecurity

Embedded payments are forcing businesses to rethink fraud prevention as a design challenge, not just a cleanup job after something goes wrong. Get the Full...

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Podcast: AI Training Gap Scares the Wrong Workers
Podcast: AI Training Gap Scares the Wrong Workers
May 12, 2026  |  Artificial Intelligence

Here’s the paradox nobody’s talking about in the AI-and-jobs debate. The workers most afraid of being replaced are the ones least likely to be. Get...

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