As Credit Demand Accelerates, Issuers Face an Infrastructure Reset

Consumer credit is entering a new phase—one shaped by rising demand for flexibility, personalization and real-time control. As installment plans and hybrid repayment models become more common, issuers are seeing renewed momentum. However, the ability to capture that growth increasingly depends on whether the underlying infrastructure can keep pace.

PYMNTS Intelligence research shows that credit remains a core engine of consumer spending. The average monthly balance for U.S. consumers with...