Age and Income Miss the Real Divide in Financial Health
Two consumers can share a generation, an income bracket and many of the same expenses while occupying markedly…
72% of Consumers Pay for Instant Income Access
Instant payments are increasingly being judged less by how fast money moves and more by what faster access…
Real-Time Payments in Europe Driven by Regulation, Sovereign…
Europe’s push toward real-time payments has entered a new phase, defined not just by technology and consumer preferences…
The Prompt Economy Grows With Agentic AI
This edition of “The Prompt Economy™ Tracker®” examines how tokenization is emerging as the foundational trust layer for agentic AI…
Digital Wallet Use Still Lags in the Physical Store
Online shopping has stopped being a young person’s game, and the data now points to a broader shift:…
Pay by Bank Emerges as Alternative to Cards for Online Payments
Trust has always been central to payments, but it is changing as payments evolve. Traditionally, trust resided in…
Gen X Spending Patterns Are Shifting as Costs Rise
Gen Xers’ new round of penny-pinching could be bad news for consumer spending and the economy. Comprised of…
Proactive Technology Helps Extended Households’ Finances
Extended households have become a defining feature of U.S. consumer finance, even as they remain underrepresented in traditional…
The Labor Economy Becomes the Innovation Economy
My hometown of Baltimore was the first city to install gas street lights in 1816 in an effort…