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Survival vs. Splurge Defines the New Consumer
The most endangered species in retail isn’t brick-and-mortar. It’s the mid-market shopper share of wallet. Findings in the March edition of the PYMNTS Intelligence “Share of Wallet: Amazon vs. Walmart” report reveal that modern consumer is increasingly no...
Visa Says Login Isn’t Enough as AI Enters the Checkout Flow
There’s an innovation race growing over digital identity. On one hand are banks and merchants that have traditionally been reliant on tools like passwords, one-time passcodes, biometric selfies and voice checks to power online authentication. On the other are...
Banks Use AI to Make Credit Card Rewards More Personal
The strategy was simple. If a card was used most often, it would generate the most transaction volume and deepen the relationship between the cardholder and issuer. However, that dynamic is beginning to shift. Consumers now move fluidly between credit cards,...
47% of Merchants Report False Declines Cost Them Sales
Fraud prevention is no longer about stopping a single bad transaction. It is about managing risk across an entire payment journey without driving away legitimate customers. That is the central theme of the December edition of the Payments Orchestration Tracker...
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