In 2026, economic uncertainty is quietly reshaping consumer payment behavior, driving shifts across cards, cash, BNPL, and emerging alternatives as households adapt how they manage spending and access liquidity.

Ascend Federal Credit Union launched a debit card-linked installment offering through a partnership with equipifi, per a press release. It’s difficult for credit unions like Ascend to compete with the top issuers on credit card programs. They lack the necessary funds and resources to launch expansive credit card rewards offerings. But they have a better chance of competing for customers’ business when it comes to debit cards. Offering perks like card-linked installments can set their programs apart and draw in customers who are looking for more flexible financing options without applying for a new credit card.

They have higher customer satisfaction rates, adding to the competitive pressures