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Articles / retail-consumer-tech / 74% of Cardholders Push Issuers Toward Flexible Credit Options

74% of Cardholders Push Issuers Toward Flexible Credit Options

May 15, 2026 · Source: pymnts.com · Topic:  retail-consumer-tech · fintech
Credit Cardholders Likely to Use Installment Plans
74%
Percentage of U.S. credit cardholders more likely to use a credit card with an installment plan.
Projected Unified Infrastructure Adoption
45%
Estimated percentage of all credit cards to be issued on unified infrastructure by the end of the decade.
Card Issuers Identifying Enhanced Performance Metrics
67%
Percentage of card issuers that recognize enhanced performance and profitability as key traits of top-tier issuing platforms.

⦿ Executive Snapshot

  • What: Credit products are evolving towards more flexible, configurable options, pushing issuers to modernize their infrastructure.
  • Who: Credit card issuers, consumers in the U.S., PYMNTS Intelligence, and Paymentology.
  • Why it matters: This shift reflects a fundamental change in consumer expectations for credit products, emphasizing the need for issuers to adapt to remain competitive.

⦿ Key Developments

  • 74% of U.S. credit cardholders indicated a greater likelihood of using a credit card if it offered an installment plan.
  • By the end of the decade, it is projected that 45% of all credit cards will be issued on unified infrastructure.
  • 67% of card issuers identified enhanced performance and profitability metrics as key characteristics of top-tier issuing platforms.

⦿ Strategic Context

  • The legacy credit systems are increasingly unable to meet modern consumer demands for flexible repayment options, leading to a significant infrastructure overhaul.
  • As consumer behavior shifts towards expecting real-time management of credit products, issuers who fail to modernize risk falling behind in a competitive market.

⦿ Strategic Implications

  • Issuers adopting modern, unified platforms may gain a competitive edge by quickly adapting to consumer demands and enhancing customer experience.
  • Those relying on outdated systems may struggle to innovate and meet the evolving expectations for credit flexibility, potentially losing market share.

⦿ Risks & Constraints

  • There is a risk that existing systems may not easily integrate with new technologies, leading to further fragmentation and operational inefficiencies.
  • Regulatory challenges and the need for significant investment in technology could hinder the pace of modernization in the credit sector.

⦿ Watchlist / Forward Signals

  • The growth trajectory of cards issued on modern platforms is expected to accelerate, with a 108% increase projected between 2025 and 2030.
  • Monitoring the adoption rates of unified platforms among credit issuers will provide insights into the industry's shift towards more configurable credit products.
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