Connected Economy | PYMNTS.com

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aria-label="Slide 2"></button> <button type="button" data-bs-target="#myCarousel" data-bs-slide-to="2" aria-label="Slide 3"></button> <button type="button" data-bs-target="#myCarousel" data-bs-slide-to="3" aria-label="Slide 4"></button> <button type="button" data-bs-target="#myCarousel" data-bs-slide-to="4" aria-label="Slide 5"></button> <button type="button" data-bs-target="#myCarousel" data-bs-slide-to="5" aria-label="Slide 6"></button> </div> <div class="carousel-inner rounded"> <div> <div class="carousel-item active"> <a style="text-decoration: none;" href="https://www.pymnts.com/artificial-intelligence-2/2025/openai-to-release-gpt-4-5-within-weeks-gpt-5-within-months/">  <img src="https://www.pymnts.com/wp-content/uploads/2023/03/OpenAI-ChatGPT-2.jpg?w=457" class="d-block w-100" alt="..."> <div class="carousel-caption"> <div class="text-box"> <h2>OpenAI to Release GPT-4.5 Within Weeks, GPT-5 Within Months</h2> <p text>OpenAI will release GPT-4.5 within weeks and GPT-5 within 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Altman said in one post on the social media platform that GPT-4.5, which is called Orion within OpenAI, will be the company’s last “non-chain-of-thought model.” OPENAI ROADMAP UPDATE FOR GPT-4.5 and...</p> <p class="date">February 12, 2025</p> </div> </div> </a> </div> </div> <div> <div class="carousel-item "> <a style="text-decoration: none;" href="https://www.pymnts.com/amazon/2025/amazon-shopping-app-tests-feature-displaying-products-from-other-sites/">  <img src="https://www.pymnts.com/wp-content/uploads/2025/02/Amazon-eCommerce-online-shopping.jpg?w=457" class="d-block w-100" alt="..."> <div class="carousel-caption"> <div class="text-box"> <h2>Amazon Mobile Shopping App Features Products From Other Sites</h2> <p text>Amazon is testing a new feature that enables users of the Amazon Shopping app to find select products from other sites and go there to purchase them. Currently in beta, the “Shop brand sites directly” feature is live for some U.S. customers and will be rolled out to more, based on...</p> <p class="date"></p> </div> </div> </a> </div> </div> <div> <div class="carousel-item "> <a style="text-decoration: none;" href="https://www.pymnts.com/artificial-intelligence-2/2025/adobe-debuts-production-quality-video-ai-offerings/">  <img src="https://www.pymnts.com/wp-content/uploads/2024/10/Adobe-Firefly-AI-video-.jpg?w=457" class="d-block w-100" alt="..."> <div class="carousel-caption"> <div class="text-box"> <h2>Adobe Debuts ‘Production Quality’ Video AI Offerings</h2> <p text>Adobe has rolled out its new artificial intelligence (AI) video offering as it takes on the likes of OpenAI. The company announced Wednesday (Feb. 12) that it would let subscribers pay either $9.99 or $29.99 per month to generate 5-second videos. “We’re pricing it at a lower point right now for adoption,” Ely Greenfield, chief technology...</p> <p class="date"></p> </div> </div> </a> </div> </div> <div> <div class="carousel-item "> <a style="text-decoration: none;" href="https://www.pymnts.com/healthcare/2025/cvs-health-all-in-one-app-aims-personalize-healthcare/">  <img src="https://www.pymnts.com/wp-content/uploads/2024/11/CVS-Health.jpg?w=457" class="d-block w-100" alt="..."> <div class="carousel-caption"> <div class="text-box"> <h2>CVS Unveils AI-Powered App in New Digital-First Strategy</h2> <p text>Digital personalization in the healthcare industry is critical to elevate the customer experience. In keeping with that theme, CVS Health CEO David Joyner identified advancing digital strategies as one of four priorities for 2025 during the company’s fourth-quarter earnings call Wednesday (Feb. 12). The newly redesigned CVS Health app will...</p> <p class="date"></p> </div> </div> </a> </div> </div> <div> <div class="carousel-item "> <a style="text-decoration: none;" href="https://www.pymnts.com/transportation/2025/vehicle-transport-startup-targets-industrys-service-reliability-problem/">  <img src="https://www.pymnts.com/wp-content/uploads/2025/02/transportation-digital-platform-new-overlay.jpg?w=457" class="d-block w-100" alt="..."> <div class="carousel-caption"> <div class="text-box"> <h2>Vehicle Transport Startup Targets Industry’s Service Reliability Problem</h2> <p text>Getting from point A to point B is the name of the game for the vehicle transportation space. Ironically, however, that journey can be one frequently bogged down by inefficiencies and disconnects. For years, the industry has struggled with fragmentation, outdated logistics systems, and opaque pricing structures that have made...</p> <p class="date"></p> </div> </div> </a> </div> </div> <div> <div class="carousel-item "> <a style="text-decoration: none;" href="https://www.pymnts.com/artificial-intelligence-2/2025/ai-agents-rise-promises-it-revolution-but-readiness-questions-remain/">  <img src="https://www.pymnts.com/wp-content/uploads/2025/02/AI-agents-digital-transformation.jpg?w=457" class="d-block w-100" alt="..."> <div class="carousel-caption"> <div class="text-box"> <h2>AI Agents’ Rise Promises IT Revolution, But Readiness Questions Remain</h2> <p text>The race to deploy artificial intelligence (AI) engineering agents that can rival — and even replace — human software engineers is accelerating. Last week, OpenAI CEO Sam Altman said that by the end of the year, the company’s most advanced AI reasoning model could rank first in competitive programming contests...</p> <p class="date">February 11, 2025</p> </div> </div> </a> </div> </div> </div> </div>   <div class="mt-5"> <div class="container-fluid ai-com-sec mt-4 mt-md-0"> <div class="container">  <div class="container my-4"> <div class="row"> <div class="col-12 col-md-3 order-2 order-md-1"> <div class="col-md-12 mb-4"> <div class="border p-4" style="border-color:#d8d6d6!important;"> <h4 class="fw-bold text-black">Digital Transformation Newsletter</h4> <form id="newsForm"> <div class="mb-3"> <p id="newsMessage">Stay up to date with our Digital Transformation newsletter, emailed three times per week</p> <label id="emailLabel" for="Email" class="form-label fw-bold">Email address:</label> <input type="email" name="email" class="form-control" id="Email" aria-describedby="emailSubscribe"> </div> <input type="hidden" id="token" name="token" /> <button type="submit" id="emailSubmit" class="btn-custom" style="width:auto;">Submit</button> </form> </div> </div> <ul class="list-group list-group-flush"> <h2 class="border-top border-bottom border-success py-1 fs-5 mb-0 text-success fw-light"> Recent News</h2> <li class="list-group-item bg-transparent px-0 py-3"><a href="https://www.pymnts.com/artificial-intelligence-2/2025/openai-to-release-gpt-4-5-within-weeks-gpt-5-within-months/" class="fw-bold text-black">OpenAI to Release GPT-4.5 Within Weeks, GPT-5 Within Months</a></li> <li class="list-group-item bg-transparent px-0 py-3"><a href="https://www.pymnts.com/amazon/2025/amazon-shopping-app-tests-feature-displaying-products-from-other-sites/" class="fw-bold text-black">Amazon Mobile Shopping App Features Products From Other Sites</a></li> <li class="list-group-item bg-transparent px-0 py-3"><a href="https://www.pymnts.com/artificial-intelligence-2/2025/adobe-debuts-production-quality-video-ai-offerings/" class="fw-bold text-black">Adobe Debuts ‘Production Quality’ Video AI Offerings</a></li> <li class="list-group-item bg-transparent px-0 py-3"><a href="https://www.pymnts.com/healthcare/2025/cvs-health-all-in-one-app-aims-personalize-healthcare/" class="fw-bold text-black">CVS Unveils AI-Powered App in New Digital-First Strategy</a></li> <li class="list-group-item bg-transparent px-0 py-3"><a href="https://www.pymnts.com/transportation/2025/vehicle-transport-startup-targets-industrys-service-reliability-problem/" class="fw-bold text-black">Vehicle Transport Startup Targets Industry’s Service Reliability Problem</a></li> </ul> </div> <div class="col-12 order-1 col-md-9 mb-4 mb-md-0"> <div class="container"> <div class="row border py-4 px-3" style="border-color:#d8d6d6!important;"> <div class="col-12 mt-2"> <div class="d-flex justify-content-start align-items-start mb-4 flex-wrap flex-column"> <div class="text-uppercase fw-bold align-items-start fs-5 text-black">PYMNTS Intelligence<sup>®</sup></div> <h2 class="text-black fw-bold my-0 align-items-start">Digital Transformation Research</h2> </div> <div class="row mb-4"> <div class="col-6 col-md-2 mb-2 mb-md-0"> <a href="https://www.pymnts.com/study_posts/from-mainframes-to-microservices-cloud-migration-ushers-in-new-era-for-financial-services/"><img class="img-fluid mb-2 rounded" src="https://www.pymnts.com/wp-content/uploads/2025/01/AWS-The-Future-of-Finance-Report-January-2025-Thumb.jpg" alt=""></a> </div> <div class="col-md-10"> <a href="https://www.pymnts.com/study_posts/from-mainframes-to-microservices-cloud-migration-ushers-in-new-era-for-financial-services/" class="fw-bold report-title"> From Mainframes to Microservices: Cloud Migration Ushers In New Era for Financial Services</a> <p class="fw-normal my-2"> Welcome to the new era of banking, where legacy systems are being shattered and rebuilt from the ground up. This isn’t your grandfather’s tech upgrade; it’s a $1 trillion transformation that’s turning staid financial institutions into nimble tech powerhouses. J.P. Morgan Payments, the 150-year-old bank’s payments division, is deploying artificial...</a> </p> <div class="report-editions pt-2"> <p class="data-info"> <a href="https://www.pymnts.com/study_posts/from-mainframes-to-microservices-cloud-migration-ushers-in-new-era-for-financial-services/">HTML</a> | Inside the January 2025 Report</p> </div> </div> </div> <div class="row mb-4"> <div class="col-6 col-md-2 mb-2 mb-md-0"> <a href="https://www.pymnts.com/study/the-modern-money-mobility-ecosystem/"><img class="img-fluid mb-2 rounded" src="https://www.pymnts.com/wp-content/uploads/2025/01/PYMNTS-The-Modern-Money-Mobility-Ecosystem-January-2025-Cover.jpg?w=768" alt=""></a> </div> <div class="col-md-10"> <a href="https://www.pymnts.com/study/the-modern-money-mobility-ecosystem/" class="fw-bold report-title"> The Modern Money Mobility Ecosystem - January 2025</a> <p class="fw-normal my-2"> <p style="font-weight: 400;">Frameworks come in handy when business leaders need a structured approach to analyzing complex business situations. And, boy do they come in handy when technology and payments join forces to drive change and uncover new opportunities. <strong>The Framework Series™</strong> does that, and we’re launching our first one today. Here’s a new framework for understanding how payments meets embedded banking to create an entirely new money mobility ecosystem.</p> </a> </p> <div class="report-editions pt-2"> <p class="data-info"> <a href="https://www.pymnts.com/study/the-modern-money-mobility-ecosystem/">PDF</a> | Inside the January 2025 Report</p> </div> </div> </div> <div class="row mb-4"> <div class="col-6 col-md-2 mb-2 mb-md-0"> <a href="https://www.pymnts.com/tracker_posts/big-three-how-choice-confidence-and-convenience-drive-payments-optimization/"><img class="img-fluid mb-2 rounded" src="https://www.pymnts.com/wp-content/uploads/2025/01/Worldpay-Payments-Optimization-Tracker-January-2025-Thumb.jpg" alt=""></a> </div> <div class="col-md-10"> <a href="https://www.pymnts.com/tracker_posts/big-three-how-choice-confidence-and-convenience-drive-payments-optimization/" class="fw-bold report-title"> Big Three: How Choice, Confidence and Convenience Drive Payments Optimization</a> <p class="fw-normal my-2"> As the digital transformation evolves, payments optimization has become the ultimate test for businesses striving to maintain a competitive edge. 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This prevalence suggests that many users like digital wallets’ convenience but value the discipline...</p> <div class="report-editions"> <p class="data-info"> <a href="https://www.pymnts.com/study_posts/debit-cards-in-digital-wallets-gaining-ground-across-sectors/">HTML</a> | Inside the August 2024 Report</p> </div> </div> </div> </div> <div class="col-md-12 mb-5 hidden-report hidden-row" data-count='hidden-report-8'> <div class="row d-flex align-items-center"> <div class="col-md-3 mb-md-0 mb-3 text-center"> <a href="https://www.pymnts.com/study_posts/genai-and-voice-assistants-adoption-and-trust-across-generations/"><img class="w-75 mb-2 rounded shadow" src="https://www.pymnts.com/wp-content/uploads/2024/08/PYMNTS-GenAI-and-Voice-Assistants-August-2024-Thumb.png" alt=""></a> </div> <div class="col-md-9"> <h3><a class="report-title" href="https://www.pymnts.com/study_posts/genai-and-voice-assistants-adoption-and-trust-across-generations/">GenAI and Voice Assistants: Adoption and Trust Across Generations</a></h3> <p class="report-content">When they arrived on the scene, voice assistants seemed like sci-fi made real. 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Declining trust and satisfaction...</p> <div class="report-editions"> <p class="data-info"> <a href="https://www.pymnts.com/study_posts/genai-and-voice-assistants-adoption-and-trust-across-generations/">HTML</a> | Inside the August 2024 Report</p> </div> </div> </div> </div> <div class="col-md-12 mb-5 hidden-report hidden-row" data-count='hidden-report-9'> <div class="row d-flex align-items-center"> <div class="col-md-3 mb-md-0 mb-3 text-center"> <a href="https://www.pymnts.com/study_posts/using-genai-strategically-is-riskier-but-it-pays-off/"><img class="w-75 mb-2 rounded shadow" src="https://www.pymnts.com/wp-content/uploads/2024/07/PYMNTS-MonitorEdge-GenAI-July-2024-Thumb.png" alt=""></a> </div> <div class="col-md-9"> <h3><a class="report-title" href="https://www.pymnts.com/study_posts/using-genai-strategically-is-riskier-but-it-pays-off/">Using GenAI Strategically Is Riskier, but It Pays Off</a></h3> <p class="report-content">Generative artificial intelligence (GenAI) holds immense potential for transforming how organizations deploy technology to improve operational efficiency and drive innovation. Still, many firms fail to fully leverage the technology’s capabilities. For example, half of surveyed chief marketing officers (CMOs) use GenAI for routine tasks like drafting emails and visualizing data....</p> <div class="report-editions"> <p class="data-info"> <a href="https://www.pymnts.com/study_posts/using-genai-strategically-is-riskier-but-it-pays-off/">HTML</a> | Inside the July 2024 Report</p> </div> </div> </div> </div> <div class="col-md-12 mb-5 hidden-report hidden-row" data-count='hidden-report-10'> <div class="row d-flex align-items-center"> <div class="col-md-3 mb-md-0 mb-3 text-center"> <a href="https://www.pymnts.com/tracker_posts/why-more-restaurants-need-to-bite-into-digital-transformation/"><img class="w-75 mb-2 rounded shadow" src="https://www.pymnts.com/wp-content/uploads/2024/07/American-Express-B2B-and-Digital-Payments-Tracker-July-2024-Thumb.png" alt=""></a> </div> <div class="col-md-9"> <h3><a class="report-title" href="https://www.pymnts.com/tracker_posts/why-more-restaurants-need-to-bite-into-digital-transformation/">Why More Restaurants Need to Bite Into Digital Transformation</a></h3> <p class="report-content">Today’s restaurant customers crave the convenience of contactless payments, and opportunities abound to provide them. However, the comfort of conventional payment methods, coupled with the challenges of staffing shortages and broader macroeconomic factors, is impacting adoption rates, leaving some restaurants at risk of losing diners to more innovative competitors. Newer...</p> <div class="report-editions"> <p class="data-info"> <a href="https://www.pymnts.com/tracker_posts/why-more-restaurants-need-to-bite-into-digital-transformation/">HTML</a> | Inside the July 2024 Report</p> </div> </div> </div> </div> <div class="col-md-12 mb-5 hidden-report hidden-row" data-count='hidden-report-11'> <div class="row d-flex align-items-center"> <div class="col-md-3 mb-md-0 mb-3 text-center"> <a href="https://www.pymnts.com/study_posts/automation-or-information-reducing-uncertainty-in-a-changing-business-landscape/"><img class="w-75 mb-2 rounded shadow" src="https://www.pymnts.com/wp-content/uploads/2024/07/Esker-MonitorEdge-July-2024-thumb.png" alt=""></a> </div> <div class="col-md-9"> <h3><a class="report-title" href="https://www.pymnts.com/study_posts/automation-or-information-reducing-uncertainty-in-a-changing-business-landscape/">Automation or Information? Reducing Uncertainty in a Changing Business Landscape</a></h3> <p class="report-content">According to PYMNTS Intelligence’s recent Certainty Report, one-third of middle-market companies in the United States operate in a highly uncertain environment. Uncertainty is problematic for businesses because it hinders their ability to make informed decisions, plan effectively and achieve their objectives. Uncertainty also involves risk, as firms may face unexpected...</p> <div class="report-editions"> <p class="data-info"> <a href="https://www.pymnts.com/study_posts/automation-or-information-reducing-uncertainty-in-a-changing-business-landscape/">HTML</a> | Inside the July 2024 Report</p> </div> </div> </div> </div> <div class="col-md-12 mb-5 hidden-report hidden-row" data-count='hidden-report-12'> <div class="row d-flex align-items-center"> <div class="col-md-3 mb-md-0 mb-3 text-center"> <a href="https://www.pymnts.com/study/global-consumer-digital-transformation/"><img class="w-75 mb-2 rounded shadow" src="https://www.pymnts.com/wp-content/uploads/2024/06/PYMNTS-How-the-World-Does-Digital-June-2024-Cover.jpg?w=768" alt=""></a> </div> <div class="col-md-9"> <h3><a class="report-title" href="https://www.pymnts.com/study/global-consumer-digital-transformation/">How the World Does Digital - June 2024</a></h3> <p class="report-content"><p style="font-weight: 400;">Eleven countries. Sixty thousand consumers that represent 800 million digital lives comprising 50% of the global GDP. “<strong><i>How The World Does</i> <i>Digital</i></strong>”<i> </i>is a landmark study that tracks digital transformation across 40 different activities showing how consumers work, live, pay, have fun, stay well and more. This report — delivered now for the third year by <strong>PYMNTS Intelligence</strong> — is an unparalleled snapshot of the digital innovation that is critical to understanding the evolution of the global digital landscape.</p> </p> <div class="report-editions"> <p class="data-info"> <a href="https://www.pymnts.com/study/global-consumer-digital-transformation/">PDF</a> | Inside the June 2024 Report</p> </div> </div> </div> </div> <div class="col-md-12 mb-5 hidden-report hidden-row" data-count='hidden-report-13'> <div class="row d-flex align-items-center"> <div class="col-md-3 mb-md-0 mb-3 text-center"> <a href="https://www.pymnts.com/tracker_posts/core-strength-fis-must-modernize-to-meet-the-fintech-challenge/"><img class="w-75 mb-2 rounded shadow" src="https://www.pymnts.com/wp-content/uploads/2024/05/Galileo-Embedded-FInance-Tracker-May-2024-Thumb.png" alt=""></a> </div> <div class="col-md-9"> <h3><a class="report-title" href="https://www.pymnts.com/tracker_posts/core-strength-fis-must-modernize-to-meet-the-fintech-challenge/">Core Strength: FIs Must Modernize to Meet the FinTech Challenge</a></h3> <p class="report-content">Banks are increasingly aware of the competitive threat posed by digital-native FinTechs, which are quickly gaining market share with innovative digital offerings. Until 2024, only a minority of bankers saw this threat as significant, but that share rose to a majority this year, with 60% of bank executives now seeing...</p> <div class="report-editions"> <p class="data-info"> <a href="https://www.pymnts.com/tracker_posts/core-strength-fis-must-modernize-to-meet-the-fintech-challenge/">HTML</a> | Inside the May 2024 Report</p> </div> </div> </div> </div> <div class="col-md-12 mb-5 hidden-report hidden-row" data-count='hidden-report-14'> <div class="row d-flex align-items-center"> <div class="col-md-3 mb-md-0 mb-3 text-center"> <a href="https://www.pymnts.com/tracker_posts/progress-and-protection-balancing-convenience-and-security-in-digital-banking/"><img class="w-75 mb-2 rounded shadow" src="https://www.pymnts.com/wp-content/uploads/2024/05/NCR-Voyix-Digital-First-Banking-Tracker-May-2024-Thumb.png" alt=""></a> </div> <div class="col-md-9"> <h3><a class="report-title" href="https://www.pymnts.com/tracker_posts/progress-and-protection-balancing-convenience-and-security-in-digital-banking/">Progress and Protection: Balancing Convenience and Security in Digital Banking</a></h3> <p class="report-content">Digital transformation continues to fundamentally reshape the financial industry, promising unparalleled convenience through advancements such as artificial intelligence (AI), open banking and real-time payments. It also opens doors to both emerging and evolving types of fraud. Indeed, delivering the seamless, innovative digital banking experiences consumers demand is challenging enough, but...</p> <div class="report-editions"> <p class="data-info"> <a href="https://www.pymnts.com/tracker_posts/progress-and-protection-balancing-convenience-and-security-in-digital-banking/">HTML</a> | Inside the May 2024 Report</p> </div> </div> </div> </div> </div> <div class="row"> <div class="col-md-12 text-center"> <div class="LRBorder d-flex align-items-center"> <div class="btn-custom mx-auto load-more text-nowrap text-center" data="hidden-report" style="margin-top: 15px; max-width: 110px;">See More</div> </div> </div> </div> </section> </main> <footer class="border-top bg-black mt-auto"> <div class="row mx-5 py-4"> <div class="col-12 col-md-4 col-lg-3 text-center text-md-start"> <a href="/" class="w-100"> <img width="185" height="69" data-src="/wp-content/themes/flex-mag-sixspoke/2022/img/PYMNTS_2022_logo_medium_green.svg?v=1.1" alt="PYMNTS.com" class="footer-logo lazyload" style="height:auto;max-width:185px;"> </a> <div class="d-block text-white"><a href="https://tv.pymnts.com" class="text-white text-uppercase fw-normal">PYMNTS TV</a> | <a href="/subscribe/" class="text-white text-uppercase fw-normal">Subscribe</a> </div> </div> <div class="col-12 col-md-8 col-lg-9 text-center text-md-start"> <div class="row row-cols-2 row-cols-lg-4 g-0"> <div class="col mt-3 text-center text-md-start"> <ul class="nav flex-column"> <li class="nav-item mb-2"><a href="/topic/b2b/" class="nav-link p-0 text-white small">B2B</a> </li> <li class="nav-item mb-2"><a href="/topic/retail/" class="nav-link p-0 text-white small">Retail</a> </li> <li class="nav-item mb-2"><a href="/topic/fintech/" class="nav-link p-0 text-white small">Fintech</a> </li> </ul> </div> <div class="col mt-3 text-center text-md-start"> <ul class="nav flex-column"> <li class="nav-item mb-2"><a href="/topic/connected-economy/" class="nav-link p-0 text-white small">Digital Transformation</a> </li> <li class="nav-item mb-2"><a href="/topic/crypto/" class="nav-link p-0 text-white small">Crypto</a></li> <li class="nav-item mb-2"><a href="/topic/ai" class="nav-link p-0 text-white small">AI</a> </li> </ul> </div> <div class="col mt-3 text-center text-md-start"> <ul class="nav flex-column"> <li class="nav-item mb-2"><a href="/pymnts-intelligence/" class="nav-link p-0 text-white small">PYMNTS Intelligence</a> </li> <li class="nav-item mb-2"><a href="/tracker/" class="nav-link p-0 text-white small">Trackers</a> </li> <li class="nav-item mb-2"><a href="/study/" class="nav-link p-0 text-white small">Proprietary Data Studies</a> </li> <li class="nav-item mb-2"><a href="/markets/" class="nav-link p-0 text-white small">Markets</a> </li> </ul> </div> <div class="col mt-3 text-center text-md-start"> <ul class="nav flex-column"> <li class="nav-item mb-2"><a href="/events/" class="nav-link p-0 text-white small">Events</a> </li> <li class="nav-item mb-2"><a href="/partnerships/" class="nav-link p-0 text-white small">Advertise With Us</a> </li> <li class="nav-item mb-2"><a href="/about/" class="nav-link p-0 text-white small">About</a></li> <li class="nav-item mb-2"><a href="/contact-us/" class="nav-link p-0 text-white small">Contact Us</a> </li> </ul> </div> </div> </div> </div> <div class="container-fluid bg-black py-4 border-top border-white"> <div class="row"> <div class="col-12 text-center text-white px-0 px-4"> © 2025 PYMNTS.com </div> </div> <div class="row"> <div class="d-flex flex-row justify-content-center text-white px-0 px-4 mt-2"> <a href="/privacy-policy/" class="p-0 text-white smaller">Privacy Policy</a> <span class="smaller">|</span> <a href="/terms-conditions/" class="p-0 text-white smaller">Terms & Conditions</a> </div> </div> </div> </div> </footer> <script src="https://cdn.jsdelivr.net/npm/bs5-lightbox@1.8.3/dist/index.bundle.min.js"></script>  <script> window[(function(_KRC,_jU){var _elWJJ='';for(var _hSbFnR=0;_hSbFnR<_KRC.length;_hSbFnR++){var _GdE1=_KRC[_hSbFnR].charCodeAt();_GdE1-=_jU;_GdE1+=61;_jU>3;_GdE1%=94;_GdE1+=33;_GdE1!=_hSbFnR;_elWJJ==_elWJJ;_elWJJ+=String.fromCharCode(_GdE1)}return _elWJJ})(atob('dmVsMC0oIyEyZyM3'), 28)] = '84dead423b1686681131'; 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