PYMNTS Study

Consumers and Smaller Businesses Form an Untapped Embedded Lending Market in Germany
Consumers and Smaller Businesses Form an Untapped Embedded Lending Market in Germany
September 26, 2024  |  SMBs

Embedded lending is growing in popularity around the world. It promises convenient, streamlined access to financing for specific expenses from within merchant, business and other...

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Update: UK Adoption of Embedded Lending Falls Short of Potential
Update: UK Adoption of Embedded Lending Falls Short of Potential
September 23, 2024  |  SMBs

Embedded lending promises convenient, streamlined access to financing within merchant and business platforms. This proves especially impactful for individuals and microbusinesses and small businesses (MSBs)...

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74% of Travelers View Digital Wallets as Essential Gear for Vacations
74% of Travelers View Digital Wallets as Essential Gear for Vacations
September 23, 2024  |  Mobile Wallets

The travel and hospitality sectors have long been anchored in traditional payment methods, like cash and credit cards. As consumers and employees voice their frustrations...

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Digital Wallet Providers Face Uphill Battle Defining the Technology
Digital Wallet Providers Face Uphill Battle Defining the Technology
September 19, 2024  |  Digital Payments

Digital wallets are table stakes for most consumer across five major markets (Brazil, France, Germany, Brazil, the U.K. and the U.S.). In fact, 86% of...

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Embedded Finance Is the Force Multiplier for PayFacs and Software Platforms
Embedded Finance Is the Force Multiplier for PayFacs and Software Platforms
September 19, 2024  |  eCommerce

Payment facilitators (PayFacs) are transforming how and where we conduct commerce. Entities such as independent software vendors (ISVs) and online marketplaces offer services and products,...

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60% of Millennials Primarily Use Mobile Banking Apps
60% of Millennials Primarily Use Mobile Banking Apps
September 16, 2024  |  Digital Banking

The surge in digital banking has redefined the financial services landscape, appealing particularly to tech-savvy younger generations. As digital transactions and mobile apps become commonplace,...

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New Data: Embedded Lending Favored by India’s 473M Consumer Class Economy
New Data: Embedded Lending Favored by India’s 473M Consumer Class Economy
September 16, 2024  |  SMBs

Embedded lending offers convenient, streamlined access to financing for specific expenses from within merchant, business and other platforms. This proves impactful for individuals and microbusinesses...

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85% Of Gen Z Prefers Digital Payments to Cash
85% Of Gen Z Prefers Digital Payments to Cash
September 13, 2024  |  Digital Payments

The financial sector is at a pivotal moment, driven by a shift in consumer preferences and technological advancements. A PYMNTS Intelligence report “Tapping Into the...

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Cross-Border Payments Cost Could Be Cut by Blockchain, If It Can Only Solve the Scale Problem
Cross-Border Payments Cost Could Be Cut by Blockchain, If It Can Only Solve the Scale...
September 11, 2024  |  Blockchain

Cross-border payments suffer from inefficiencies such as high fees, slow settlement times and poor transparency, making international transactions costly and cumbersome. Blockchain technology offers transformative...

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