FICO

AUGUST 29, 2022

FICO® Score Stays Steady at 716, as Missed Payments and Consumer Debt Rises. Each year, we provide insight into the national average FICO ® Score to help ensure consumers have a baseline measure of credit health standing. consumer reporting agencies (CRAs). Average U.S. by Ethan Dornhelm. expand_less Back To Top.

Consumer 98

Consumer Credit Cards Payments Government 98

PYMNTS

SEPTEMBER 29, 2020

Separately, research finds B2B payments as the key driver behind surging instant payments volume in the years ahead. Developing better financial products for consumers and opening new funding channels for companies will all help the recovery.”. Researchers also highlighted the opportunities for global corporates.

Instant Payments 129

Instant Payments B2B Innovation ISO 20022 129

PYMNTS

SEPTEMBER 14, 2020

As more manufacturers and other sellers migrate their sales strategies online, they're seeking to please online shoppers the same way Amazon has done for individual consumers. But B2B eCommerce is not the same beast as B2C. It's a small but fundamental difference in mindset between B2C and B2B digital transformation.".

B2B 107

B2B B2C Checks Commercial Card 107

PYMNTS

DECEMBER 24, 2019

About 31 percent of consumers now own voice-activated devices, up from 27 percent in 2018 and 14 percent in 2017. The rise of voice is the big factor behind the rise of smart homes, where consumers are doing more commerce and payments. That’s not all — voice is becoming more emotionally attuned to consumers.

Consumer 64

Consumer Zelle P2P Real Time Payments 64

PYMNTS

OCTOBER 23, 2019

Nearly half (49 percent) of B2C subscription companies like Netflix or Blue Apron believe there is room for improvement. The highest priority among B2C subscription companies (56 percent) is improving customer satisfaction through better experience and support. First Impressions Matter.

B2C 55

B2C Consumer Credential B2B 55

PYMNTS

OCTOBER 22, 2018

The business-to-consumer (B2C) commerce landscape has had a massive influence on corporate buying habits, from sourcing through payments. It’s often described as the “ Amazon effect,” as suppliers explore how to provide a consumer-like experience to business buyers.

B2B 74

B2B B2C Product Facilitators 74

PYMNTS

DECEMBER 5, 2017

The digital economy is here and, for many consumers, it has become a way of life. The persistence of legacy infrastructure can often throw sand into the wheels of digital payments progress at the very same time that consumers demand innovation — and options that are faster, cheaper and evermore secure. Supply and Demand.

Consumer 56

Consumer Same Day ACH C2B B2C 56

PYMNTS

DECEMBER 7, 2016

B2B eCommerce may be trying to offer companies an Amazon-like experience in procurement, but making purchases for a company must meet security, reporting and efficiency standards high above those of a consumer going on a quick online shopping trip. Corporate buyer habits have shifted to look a lot more like the B2C online shopping experience.

B2C 73

B2C B2B On-Demand Commercial Card 73

PYMNTS

DECEMBER 31, 2020

How We Will Pay: Home As The Consumer Command Center. This study showed that the home had become the consumer’s commerce command center as they changed their daily routines to do more of their work and more of their once-physical errands from home. percent more B2C merchants than B2B merchants offer discounts, for example, and 11.1

Innovation 111

Innovation Online and Mobile Banking Real Time Payments Cross-Border 111

PYMNTS

APRIL 29, 2019

Notable findings from the research include the following key points: 75 percen t: the share of platforms that intend to implement voice-recognition capabilities. The goal of the survey was to better understand their strategic roadmaps for the next three years, and the role that payments will play in driving those agendas.

B2C 68

B2C Payments Disputes Fraud Detection 68

PYMNTS

DECEMBER 8, 2016

Earlier this year, analysts told reporters that investors have begun to shy away from the copious population of B2C-focused FinTech companies. The startup has focused on corporate clients, which often are willing to pay more for services than individual consumers, Liffgarden added. B2B FinTech’s Time.

B2B 79

B2B B2C APACS FinTech 79

CB Insights

OCTOBER 4, 2022

Using the CB Insights platform , our research team selected these 250 winners from a pool of over 12,500 eligible private companies, including applicants and nominees. The research team also reviewed over 2,000 Analyst Briefings submitted by applicants. . GET the list of 2022 fintech 250 companies.

FinTech 101

FinTech B2C B2B Point-of-Sale (POS) 101

PYMNTS

FEBRUARY 26, 2019

The findings of the PYMNTS research provided a foundation for the discussion. Of course, that’s not meant to be an excuse for a clumsy, malfunctioning site or checkout experience — even the most patient of consumers will tire of that. B2C vs. B2B. In the B2C space, it’s about being smart with your data,” Clark said.

B2C 78

B2C Payments B2B Product 78

PYMNTS

NOVEMBER 10, 2020

Consumers across the globe are primarily going online to shop and pay for everything from clothing to electronics and groceries due to the pandemic, with digital product sellers among the most likely eTailers to see their sales increase. PYMNTS research shows that 50.7 percent of U.S.-based

Cross-Border 77

Cross-Border B2C On-Demand Research 77

PYMNTS

MAY 26, 2017

BNO: Discount Tire, a tire and wheel retailer with over 900 stores and billions in annual revenue, turned to FUEL CYCLE after their traditional methods of conducting market research and gathering customer feedback failed to provide the actionable insights they were looking for.

B2C 41

B2C CRM Continuity Automation 41

PYMNTS

MARCH 12, 2020

The outmoded B2B payments landscape stands in stark contrast to the business-to-consumer (B2C) and peer-to-peer (P2P) spaces where instant money and real-time payments are becoming the norm. It works both ways as traditionally B2C sellers dip their toes into lucrative B2B waters. PYMNTS’ research shows that 65.9

B2B 63

B2B B2C Payments Retail Payments 63

PYMNTS

SEPTEMBER 8, 2016

As it turns out, even when consumers are converting and hitting that buy button, they are still thinking about an eventuality where maybe they want to return their newest purchase. Which means, to make the conversion happen, the majority of consumers will want to know that it can be returned. The preferred policy for U.S.

Returns 40

Returns Consumer B2C Research 40

PYMNTS

JANUARY 12, 2021

Salesforce is rolling out a new product to let B2C and B2B companies easily add loyalty programs at a time when the company says online holiday retail sales grew 50 percent to top $1 trillion. Salesforce cited research that has found more than a third of U.S. 12) in unveiling the company’s new Loyalty Management product.

BNPL 111

BNPL B2C Industry Trends NOV 111

PYMNTS

MARCH 29, 2019

Point-of-sale financing is quickly becoming an attractive feature for consumers shopping online and in-store. Yet as the B2B commerce industry has seen in recent years, while B2C can offer a valuable, albeit general, idea of how to approach digitization, there are unique hurdles that both buyers and suppliers need to address.

B2B 66

B2B Finance B2C On-Demand 66

Fintech News

FEBRUARY 8, 2024

FT Partners Research This nuanced approach to financing was exemplified by significant funding rounds in the Asia Pacific region, with Indian digital payments firm PhonePe and Australian-based Rakuten Securities securing substantial growth stage funding amounting to US$850 million and US$576 million, respectively. Insurtech 2.0

FinTech 110

FinTech Embedded Finance B2B Volume 110

Fintech News

FEBRUARY 8, 2024

FT Partners Research This nuanced approach to financing was exemplified by significant funding rounds in the Asia Pacific region, with Indian digital payments firm PhonePe and Australian-based Rakuten Securities securing substantial growth stage funding amounting to US$850 million and US$576 million, respectively. Insurtech 2.0

FinTech 107

FinTech Embedded Finance B2B Volume 107

Finovate

MAY 9, 2024

The technology will serve B2C fintechs and enable financial and non-financial services companies alike to implement embedded finance into their existing offerings “Welcome to the future of financial services,” FIS President of Platform and Enterprise Products Tarun Bhatnagar said.

Embedded Finance 69

Embedded Finance Finance Non-Bank B2C 69

PYMNTS

MAY 16, 2019

Yet, as the B2B world has quickly figured out, fulfilling demands for a seamless, integrated and efficient online purchasing process can’t happen the same way it does in a B2C setting. In a scenario like this, a single eCommerce platform design cannot address the needs of both kinds of customers.

B2B 71

B2B API Payment APIs and Integration B2C 71

PYMNTS

JULY 11, 2019

It’s one of the blessings and curses of subscription eCommerce: As easy as it can be to sign up consumers for one such service or another, it can be just as easy for that consumer to leave that service after a month or two. Find a way to offer other intriguing content that serves a further hook for those on-the-fence consumers.

B2C 67

B2C B2B Consumer Service Provider 67

PYMNTS

NOVEMBER 15, 2018

However, it’s not just consumer-facing businesses that are pushing forward the popularity of subscriptions. With competition growing, the need to innovate is mounting for both B2B and B2C merchants alike. B2B companies are increasingly looking to capitalize on the subscription model to stand apart from the competition.

Rules 61

Rules B2C B2B Innovation 61

PYMNTS

JANUARY 6, 2020

From Disney+ to HBO, Netflix, Amazon Prime and Hulu, consumers have never had as many companies from which to stream TV shows and movies as they do now. With so many streaming services competing for consumer attention, providing unique content might not be enough to earn subscribers. The only question is: How?

B2C 52

B2C Consumer Process B2B 52

PYMNTS

JUNE 8, 2018

With eCommerce now a mainstay for consumers, B2B eCommerce is quickly coming into the fold, too. trillion in online sales — about 235 percent more than B2C’s current sales volume. trillion in online sales — about 235 percent more than B2C’s current sales volume. There is a lot of money to be earned. trillion by 2021.

Finance 55

Finance B2C B2B PayPal 55

PYMNTS

JUNE 17, 2019

According to PYMNTS’ research, 60.8 Our research shows that digital platforms are taking a multi-pronged approach to dealing with fraud, including building their payments teams and expanding their work with vendors. The report is part of a playbook series examining the growth strategies of digital platforms over the next three years.

Fraud Detection 47

Fraud Detection B2C Payments B2B 47

PYMNTS

MARCH 2, 2020

Many of the emerging payment scenarios are business-to-consumer (B2C), Mason explained, and stretch into many verticals. Beyond B2C, organizations’ employee and gig worker payments are growing in complexity as well, particularly as these professionals get hired from across borders. From Gig Workers to Rebates.

B2C 60

B2C Payments Push-to-Card On-Demand 60

PYMNTS

NOVEMBER 22, 2016

Researchers forecast mobile payments to account for $1 trillion in transactions next year. Those drivers may support the rise in consumer mobile payments, but economic factors in the Asia-Pacific region have also opened doors for B2B mobile payments to gain traction, too. Earlier this month, MC Payment said it raised $3.5

B2B 65

B2B Mobile Payments B2C Payroll 65

PYMNTS

OCTOBER 27, 2017

Burkhart said it comes down to whether the business is selling to consumers (B2C) or to other businesses (B2B). In a B2C environment, viral word-of-mouth may be beneficial to the business even if the free trial users don’t convert to permanent subscribers. To Webster, giving the consumer choices seems like a no-brainer.

Consumer 41

Consumer B2C B2B Returns 41

PYMNTS

JANUARY 26, 2017

But while B2B payments continues to lag behind the B2C market in terms of innovation, analysts note that all sides will be facing challenges from regulation this year. Critical to the B2B payments evolution, Mercator said, was that FinTech innovators are beginning to favor the space over B2C payments.

B2B 54

B2B Innovation B2C Faster Payments 54

PYMNTS

MAY 27, 2016

That’s why, in the May edition of the PYMNTS Digital Banking Tracker™ , we’ve profiled 58 players from the FinTech and consumer banking space, including 10 additions to the Tracker: CashControl, CSI, Finex Banking Solutions, HelloWallet, Innofis, Kony, Money Lover, SilverWiz, The One Place Capital Limited and Q2 Software, Inc.

B2C 46

B2C B2B Research FinTech 46

The Fintech Times

APRIL 10, 2024

While businesses continue to make progress in implementing artificial intelligence (AI) to power customer interactions, a lack of customer data continues to provide serious challenges for progress, new research from Twilio , the customer engagement platform, has revealed.

Security 59

Security AI B2C Privacy 59

PYMNTS

DECEMBER 17, 2019

Thanks to better data analysis — including via machine learning and artificial intelligence, among other emerging technologies — personalization is becoming a bigger part of the overall consumer experience. B2B eCommerce to reach $9 trillion this year — more than twice that of B2C eCommerce — that reputation may need a facelift.

B2B 54

B2B Payment APIs and Integration B2C Rules 54

PYMNTS

JANUARY 23, 2020

More than 42 percent of consumers received at least one instant payment in 2019, but such disbursements have a way to go before they are as common as many would like. Faster payments may not be the most popular disbursement method, but markets are regularly adopting them for consumer payouts. The staying power of checks and cash.

Instant Payments 56

Instant Payments Real Time Payments Online and Mobile Banking Payments 56

PYMNTS

DECEMBER 17, 2019

Thanks to better data analysis — including via machine learning and artificial intelligence, among other emerging technologies — personalization is becoming a bigger part of the overall consumer experience. B2B eCommerce to reach $9 trillion this year — more than twice that of B2C eCommerce — that reputation may need a facelift.

B2B 53

B2B Payment APIs and Integration B2C Rules 53