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…
Pay by Bank Gains Momentum With Digital Bank Users
As Pay by Bank becomes more visible in the U.S. payments market, one group of consumers is clearly…
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…
Apple Pay Turns 11 and Its Rivals Are Catching Up
Digital wallets have reached a turning point. Weekly in-store usage has more than doubled year over year, and…
Consumer Adoption and Security Trends
“Pay by Bank: Consumer Adoption Hinges on Security Concerns,” a PYMNTS Intelligence and Trustly collaboration, explores the forces…
When Gen AI Becomes a New Business Default
To use AI reflexively is to reach for it automatically, without hesitation. It becomes the instinctive first step…
Paycheck-to-Paycheck Consumers Can’t Weather a $2,000 Shock
American consumers increasingly live in two different worlds when it comes to saving cash that can be tapped…
Price Hikes Backfire as Tariffs Erode Margins and Demand
Global trade has grown more uncertain, with tariffs hardening into a new economic reality for businesses in the…