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Digital Transformation

Digital Transformation Newsletter

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PYMNTS Intelligence®

Digital Transformation Research

Payments Execs on Agentic AI: ‘The Back Office Will Never Be the Same’

The age of agentic AI is here, and it’s rewriting the rules of financial services. Artificial intelligence (AI) is experiencing a fundamental shift. Once confined to the realms of content generation and isolated automation tasks, AI’s capabilities have advanced beyond its game generative capabilities toward what many industry leaders call...

HTML | Inside the April 2025 Report

How People Pay eBook - February 2025

Consumers are increasingly connected, and their growing comfort with technology is reshaping how they pay. Connected tech users are leading the charge, ditching cash in favor of digital wallets and online purchases, while mainstream consumers are driving the surge in mobile payments. Download this exclusive dataset and learn how people pay for tech.

PDF | Inside the February 2025 Report

From Mainframes to Microservices: Cloud Migration Ushers In New Era for Financial Services

Welcome to the new era of banking, where legacy systems are being shattered and rebuilt from the ground up. This isn’t your grandfather’s tech upgrade; it’s a $1 trillion transformation that’s turning staid financial institutions into nimble tech powerhouses. J.P. Morgan Payments, the 150-year-old bank’s payments division, is deploying artificial...

HTML | Inside the January 2025 Report

More in Digital Transformation

post thumbnail Investments

Nuro Raises $106 Million to Scale Autonomous Vehicle Technology Platform
post thumbnail Artificial Intelligence

Need for On-Chain Trust Grows as AI Agents Flood Crypto
post thumbnail Retail

Best Buy Launches Creator Program With Influencer Storefronts
post thumbnail BNPL

Beyond Credit Cards: How ‘Pay Later’ Momentum Is Reshaping the Payments Ecosystem
post thumbnail eCommerce

MercadoLibre to Boost Investment in Brazil by 48%
post thumbnail Opinion

Uncertainty Overload: Tariffs Cast Shadow on FinTech Funding and Growth
post thumbnail Consumer Finance

What Pinball Tells Us About Spending in the Post-Tariff World
post thumbnail Cryptocurrency

From Fringe to Financial Infrastructure: How Blockchain Became Bankable
post thumbnail Connected Economy

CE 100 Index Sinks 9.9% on Tariff Worries and Payment Names Plunge
post thumbnail Cryptocurrency

PayPal and Venmo Add Chainlink and Solana to Cryptocurrency Offerings
post thumbnail Digital-First Banking

Stripe Applies for US Banking License to Expand Merchant Acquiring Capabilities
post thumbnail B2B Payments

From Fraud Fears to Gen Z CFOs, 5 Trends Driving B2B’s Digital Shift
post thumbnail Economy

Tariffs Drive Automakers to Adapt Quickly as Consumer Costs Climb
post thumbnail Travel Payments

Mobile Phones Overtake Desktops as Consumers’ Preferred Travel Booking Tool
post thumbnail Retail

Walmart Takes Pricing Fight to Suppliers as Amazon Mulls TikTok Bid
post thumbnail B2B Payments

Tariffs and Enterprise AI Headline This Week’s B2B Innovations
post thumbnail Payments Innovation

Plaid: Bank Account Connectivity Underpins ‘Data Revolution’ in Financial Services
post thumbnail B2B Payments

How Data Quality Is Powering the Future of Intelligent B2B Payments
post thumbnail BNPL

Fashion Retailer Revolve to Add Affirm’s Pay-Over-Time Option
post thumbnail artificial intelligence

How Generative AI Affects Teamwork at Companies
post thumbnail artificial intelligence

MIT’s Dean of Computing: 4 Inconvenient Truths About GenAI
post thumbnail Partnerships

Uber and OpenTable to Roll Out Connected Dining Offerings
post thumbnail Supply Chain

How CFOs Can Manage for Today’s Supply Chain Choke Points
post thumbnail Artificial Intelligence

AI Agent Developer Manus Adds Mobile App and Subscription Plans
post thumbnail Mobile

From Minutes to Money: Telecom Firms Bank on Financial Services
post thumbnail BNPL

From 1960s Tech to 2025 Transactions: The Infrastructure Leap Powering BNPL’s Boom
post thumbnail Connected Economy

CE 100 Index Slips 2.5% as Chip and Payment Names Lose Ground
post thumbnail eCommerce

Perplexity, firmly Build Merchant Network to Power GenAI Commerce
post thumbnail Buy Now Pay Later

Affirm’s Levchin Sees Company Becoming the American Express of Buy Now, Pay Later
post thumbnail artificial intelligence

Alibaba Cloud Launches Compact, Multimodal AI Model
post thumbnail Artificial Intelligence

Anthropic Inks Deal to Bring Its AI Model to Databricks Platform
post thumbnail Biometrics

Trustly to Pilot Biometric Solution in Finland Before European Rollout
post thumbnail B2B Payments

Legacy Systems vs Digital Demands: The B2B Payments Dilemma
post thumbnail Artificial Intelligence

Beyond the Hype: What CFOs Should Know About AI Agents
post thumbnail Partnerships

Google Cloud and CME Group Pilot Distributed Ledger for Trading
post thumbnail Politics

Bisignano Tells Senate SSA Hearing: ‘I’ve Spent My Career Protecting PII’
post thumbnail artificial intelligence

Sweatin’ to the Chatbot: Echelon Targets Consumers With Hyper-Personalized Fitness
post thumbnail Acquisitions

Fleetio Acquires Auto Integrate to Create ‘More Connected Maintenance Experience’
post thumbnail Credit Unions

Why Mobile Banking at Credit Unions Demands More Than an App Refresh
post thumbnail SMBs

Rural Small Businesses Report Double the Sales Decline of Urban Counterparts
post thumbnail Payment Methods

JPMorgan Chase and Walmart Introduce Embedded Finance for Marketplace Sellers
post thumbnail Artificial Intelligence

Western Union Taps AI to Move to ‘Platform Operating Model’
post thumbnail artificial intelligence

AI Gives Customer Service Positive Revenue Spin
post thumbnail Connected Economy

CE 100 Index Adds 2.1% as Porch Group Rallies and Tencent Surges on Earnings
post thumbnail Connected Economy

76% of Consumers Own 4 or More Connected Devices
post thumbnail artificial intelligence

AWS, Salesforce Execs See a ‘Fully AI World’ With ‘Limitless Labor’
post thumbnail Blockchain

Stablecoin Issuer Tether Says Audit of Reserves Is ‘Top Priority’
post thumbnail Blockchain

Circular, Arculus and IT Lab Partner on Healthcare-Focused Blockchain Ecosystem
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Exclusive Clips

Nuro Raises $106 Million to Scale Autonomous Vehicle Technology Platform

 April 9, 2025

Need for On-Chain Trust Grows as AI Agents Flood Crypto

 April 8, 2025

Best Buy Launches Creator Program With Influencer Storefronts

 April 8, 2025

PYMNTS DATA

The Modern Money Mobility Ecosystem - January 2025

Frameworks come in handy when business leaders need a structured approach to analyzing complex business situations. And, boy do they come in handy when technology and payments join forces to drive change and uncover new opportunities. The Framework Series™ does that, and we’re launching our first one today. Here’s a new framework for understanding how payments meets embedded banking to create an entirely new money mobility ecosystem.

PDF | Inside the January 2025 Report

Big Three: How Choice, Confidence and Convenience Drive Payments Optimization

As the digital transformation evolves, payments optimization has become the ultimate test for businesses striving to maintain a competitive edge. Companies are seeking the perfect balance in their payment processes to maximize both revenue and consumer engagement. Even small adjustments to payment processes can punch far above their weight, potentially...

HTML | Inside the January 2025 Report

Why Payments Innovators Say Simplicity Is Their New KPI

Complexity is a hallmark of business, especially when it comes to money movement. Funds flow between senders and receivers in the blink of an eye. When they move across borders and currencies, there are several touch points in the mix. Ten executives told PYMNTS why simplicity is a new key...

HTML | Inside the November 2024 Report

The Great Paper Escape: Transforming Accounts Payable for the Digital Age

Paper checks continue to dominate the accounts payable (AP) landscape — a costly reality when digital payments innovation pulses through every artery of commerce. AP departments across industries remain mired in paper-based, legacy payments that erode business relationships. Suppliers increasingly demand buyer partners that ensure frictionless, timely payments. For AP...

HTML | Inside the November 2024 Report

How 10 Payments Executives ‘Do’ Digital in the Post-Pandemic Age

More than four years ago, the great digital shift — already in motion — began to accelerate at warp speed. The pandemic forced us all indoors. We lived life online, making purchases, waiting out supply chain snarls, paying online and working from home. The world sheltered in place, with digital conduits the...

HTML | Inside the September 2024 Report

Businesses at Risk: The High Cost of Manual AR Processes and What to Do About It

The speed of business today demands agility, yet outdated accounts receivable (AR) processes remain a stubborn bottleneck for many organizations. Increasingly, the complexity and volume of invoices threaten to overwhelm manual systems, leaving businesses even more vulnerable to inefficiencies and lost revenue. In the face of these challenges, AR automation...

HTML | Inside the August 2024 Report

Debit Cards In Digital Wallets Gaining Ground Across Sectors

As consumers leverage digital wallets in greater numbers, businesses across sectors must understand the latest trends to compete. One such trend is that debit cards have become the primary payment method digital wallet users ultimately leverage. This prevalence suggests that many users like digital wallets’ convenience but value the discipline...

HTML | Inside the August 2024 Report

GenAI and Voice Assistants: Adoption and Trust Across Generations

When they arrived on the scene, voice assistants seemed like sci-fi made real. Once hailed as revolutionary, they are now seeing a downshift in consumer enthusiasm. The share of U.S. consumers using voice assistants has sat at 60% this year. This ambivalence is evident across generations. Declining trust and satisfaction...

HTML | Inside the August 2024 Report

Using GenAI Strategically Is Riskier, but It Pays Off

Generative artificial intelligence (GenAI) holds immense potential for transforming how organizations deploy technology to improve operational efficiency and drive innovation. Still, many firms fail to fully leverage the technology’s capabilities. For example, half of surveyed chief marketing officers (CMOs) use GenAI for routine tasks like drafting emails and visualizing data....

HTML | Inside the July 2024 Report

Why More Restaurants Need to Bite Into Digital Transformation

Today’s restaurant customers crave the convenience of contactless payments, and opportunities abound to provide them. However, the comfort of conventional payment methods, coupled with the challenges of staffing shortages and broader macroeconomic factors, is impacting adoption rates, leaving some restaurants at risk of losing diners to more innovative competitors. Newer...

HTML | Inside the July 2024 Report

Automation or Information? Reducing Uncertainty in a Changing Business Landscape

According to PYMNTS Intelligence’s recent Certainty Report, one-third of middle-market companies in the United States operate in a highly uncertain environment. Uncertainty is problematic for businesses because it hinders their ability to make informed decisions, plan effectively and achieve their objectives. Uncertainty also involves risk, as firms may face unexpected...

HTML | Inside the July 2024 Report

How the World Does Digital - June 2024

Eleven countries. Sixty thousand consumers that represent 800 million digital lives comprising 50% of the global GDP. “How The World Does Digital” is a landmark study that tracks digital transformation across 40 different activities showing how consumers work, live, pay, have fun, stay well and more. This report — delivered now for the third year by PYMNTS Intelligence — is an unparalleled snapshot of the digital innovation that is critical to understanding the evolution of the global digital landscape.

PDF | Inside the June 2024 Report

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