BNPL providers must focus on engagement over acquisition as the space matures. As installments become a budgeting tool and expand into higher-ticket categories, providers face rising competition to own more of consumers’ everyday spending.

Limited merchant acceptance will stymie the wallet’s attempts to expand.

In May 2026, we analyzed 5,600 ChatGPT responses across nine financial services categories to compile the AI Visibility Index.

Block wants stablecoins to drive crypto use, but consumer uptake will be limited.

Asia-Pacific will be agentic commerce’s guinea pig as adoption outpaces Europe, US.

In April 2026, we analyzed 5,600 ChatGPT responses across nine financial services categories to compile the AI Visibility Index.

New agreements give the digital euro clearance for tap to pay and app-based P2P transactions.

Financial services in Latin America are shifting into mobile, multi-rail ecosystems where platforms own the customer. As real-time payments and wallets drive constant engagement, banks are forced to embed or fade into the background.

An all-in-one value of prepaid balances, loyalty rewards and promo points increases the value of its digital wallet for shoppers and retailers alike.

In Q1 2026, we analyzed 5,600 ChatGPT responses across nine financial services categories to compile the AI Visibility Index.

Payments are becoming invisible as digital wallets evolve into commerce orchestration layers. The opportunity is clear, but growth hinges on balancing automation, trust, and control as ambient commerce reshapes how consumers shop and pay.

As younger consumers enter adulthood, merchants can capitalize on their shifting payment preference for wallets.

The AI Platform Is Closer Than Some Rivals, but It Still Faces Barriers

This FAQ addresses what financial services marketers, strategists, and insights professionals need to know about credit card trends, payment networks, and marketing opportunities in 2026.

Shoppers turn to digital wallets for BNPL access and alternatives to revolving credit.

Mobile will account for nearly half of US online sales in 2026 and become the dominant channel in 2027. To make the most of this shift, retailers and brands should enhance integration of their shopping apps and loyalty programs.

AI is reshaping how payment providers attract, serve, and retain customers. Those who act now to integrate AI across the life cycle—from discovery to checkout to support—will gain an edge, while those who wait risk losing loyalty and control.

Gen Zers prioritize saving money. But they aren’t all putting their savings where it can help them make more money, per a recent PYMNTS study. Financial institutions (FIs) have an opportunity to help Gen Zers save faster, earning their loyalty. But to help them put that money to work, FIs must have more insight into what customers are doing with their money. Using open banking as an opportunity, FIs whose customers share their data with fintechs could have a more detailed view of what happens to their customers’ money. If they see money in non-interest-bearing accounts, FIs could send the customer a personalized message about how that money could perform in a higher-yield account.

Italy’s digital landscape is evolving fast, driven by shifting consumer and media habits and increasing ecommerce adoption. Recent data reveals the trends shaping digital spending, retail sales, and more.

Australia’s digital landscape is evolving fast, driven by shifting consumer behaviors, increasing ecommerce adoption, and changing media habits. Recent data reveals trends shaping digital spending, retail sales, and more.