Data Reports
Explore Pave’s latest research reports and data-driven insights.
New Data Report
Your Risk Models Are Punishing Timing, Not Credit Risk
Pave analyzed 360,000+ failed BNPL payments across ~100K borrowers and found that more than 1 in 3 missed payments aren't credit events — they're due dates that landed at the wrong point in a pay cycle.
Consumer Intelligence
Pave × Atlas — Q1’26 Consumer Financial Health Index
Real-time behavioral data reveals U.S. consumers are adapting, not failing. Explore Q1 2026 findings from the Atlas × Pave Consumer Health Index.