Studies Archive | PYMNTS.com

Digital Identity Verification Framework – May 2026

Ashley Reams Mistretta — Thu, 14 May 2026 08:03:18 +0000

PYMNTS surveyed 350 companies to examine how they manage KYC and KYB, and how those choices affect fraud losses, verification costs and growth. The findings show that more control does not always mean more protection, especially as automated threats put identity systems under increased pressure.

Download “Built or Bought: How KYC/KYB Ownership Shapes Risk, Cost and Growth,” a collaboration between PYMNTS Intelligence and Trulioo.

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Real-Time Readiness – May 2026

Ashley Reams Mistretta — Thu, 14 May 2026 08:00:58 +0000

PYMNTS surveyed 271 senior finance and payments executives to understand how businesses are weighing the move to real-time B2B payment rails. The findings show a market approaching a tipping point, with faster settlement, better cash flow control and ERP integration shaping what comes next.

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

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The Issuer’s Customer Lifetime Value Report – May 2026

Ashley McLeod — Wed, 13 May 2026 08:00:44 +0000

AI is moving quickly into card issuing, but not every issuer is using it the same way. A new report from Visa and PYMNTS Intelligence shows the highest performers are using it to protect trust, personalize relationships and spot risk earlier, while others are still treating it as another tool in the stack.

Download the second edition of “The Issuer’s Customer Lifetime Value Report: Annual Benchmark in U.S. Card Issuer Performance,” a collaboration between PYMNTS Intelligence and Visa DPS, for more.

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Who Is the Subprime Consumer? – May 2026

Ashley McLeod — Thu, 07 May 2026 08:02:14 +0000

One in six U.S. consumers falls into the subprime credit range. New PYMNTS Intelligence data shows a stable, 44 million-consumer market using BNPL, store cards, informal credit and tax refunds to manage everyday cash flow.

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Digital Currency at the Credit Union – April 2026

Ashley McLeod — Tue, 05 May 2026 08:00:04 +0000

PYMNTS Intelligence and Velera surveyed 13,918 U.S. consumers and found a clear disconnect between younger members’ interest in crypto and stablecoins and what they think their institutions provide. The report shows digital wallets may offer the most practical response.

Read more in “Digital Currency at the Credit Union: The Gap Between Interest and Access.”

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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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