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Working capital used to sit in the background of corporate strategy.
In 2025, however, chief financial officers across the middle market rediscovered working capital as one of the most powerful and underleveraged sources of competitive advantage.
“The Growth Corporates Working Capital Index 2025-2026,” a Visa report published in collaboration with PYMNTS Intelligence, found that...
The total market capitalization for cryptocurrency has climbed above $3 trillion.
However, this rebound “reflects exhaustion” and not a reinvigorated conviction in the crypto space, CoinDesk reported Tuesday (Dec. 23). Bitcoin is down more than 22% in the fourth quarter, which makes this one of the weakest closing quarters for the crypto market outside of major downturns.
The market’s...
Saks Global is considering bankruptcy while facing a $100 million-plus debt payment, Bloomberg reported Monday (Dec. 22).
The luxury retail group is also mulling other ways to boost liquidity, such as raising emergency funding or selling off assets, according to the report, which cited unnamed sources.
At the same time, some Saks lenders have been holding discussions to determine the...
Open these pages as you would open a door to a room where the future is already arguing with the present.
My 2025 columns were not written to soothe, flatter or follow consensus. They were written to challenge assumptions, stress-test narratives, and force uncomfortable conversations about where money, technology and power are actually heading.
This collection is an invitation to...
Watch more: Need to Know: i2c’s Marjorie Tart
Real-time payments are becoming a baseline expectation in a digital economy where consumers and businesses want money to move instantly, predictably and transparently, regardless of channel or rail.
For issuers, that shift is forcing a rethink of technology and strategy. According to Marjorie Tart, director of product management at i2c, the...
If there was a single through line in PYMNTS’ 2025 conversations with the major card networks, banks and FinTechs, it was that “payments” is no longer treated as a discrete function. It is increasingly positioned as an always-on operating system for commerce—one where data, security and user experience are inseparable.
No company leaned into that framing more consistently than Visa....
Throughout the banking history of the United States, credit unions have played a distinctive role in providing financial services to their local small- to medium-sized businesses (SMBs).
Rooted in regional communities and built around a member-owned model, credit unions earned trust by offering relationships that felt personal, aligned and durable, something that larger institutions...
Instant payouts are no longer just about speed. They are reshaping how companies and consumers define an ongoing financial relationship.
That is the central finding of “Beyond Speed: The Case for Instant Payout Adoption and Stickiness,” a September PYMNTS Intelligence report produced in collaboration with Ingo Payments.
Based on a survey of 2,237 consumers in the United States who...
Watch more: TechReg Talks: Penn State’s Daryl Lim
Copyright and antitrust have long operated in parallel, rarely intersecting in meaningful ways.
Copyright law governs incentives for creativity and authorship. Antitrust law focuses on market power and exclusionary conduct. For decades, the two doctrines largely stayed in their own lanes.
Generative artificial intelligence is changing...
The New Jersey State Senate passed a bill that allows the state’s residents and state employees to choose to receive certain state payments by paper check.
The bill (S2791) passed Monday (Dec. 22) on a vote of 35 to 1, according to the website of the New Jersey State Legislature. It will now be considered by the State Assembly.
The state payments covered by the bill include...