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7 takeaways from Black Friday and Cyber Monday 2021 December 7

7 observations from Black Friday & Cyber Monday 2021: Buy Now Pay Later, SMS Marketing, BOPIS are highlights in an uneven holiday season.

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EU fintech and bank tech budgets rose in 2021, but evolving open banking legislation and user experience enhancements will demand further spending in 2022.

On today's episode, we discuss the rising complexity of automation in advertising and how the industry is evolving as a result. We then talk about how consumers want to hear from brands and whether consumers will soon favor convenience over price. Tune in to the discussion with president of Basis Technologies Tyler Kelly and eMarketer Briefing director at Insider Intelligence Jeremy Goldman.

Kueski offers consumer installment lending in Mexico, and Nigeria-based TradeDepot offers B2B BNPL for online merchants.

McKinsey warns that banks have just 18 to 24 months to revamp their post-recovery business models so they don’t lag in shareholder returns. Partnerships or mergers may offer less costly alternatives.

Mainstreaming of digital asset adoption won’t happen without regulation and compromise.

Marketers are taking data collection into their own hands: Recent privacy changes have led brands to use incentives like sweepstakes and discounts to gain consumer info instead of relying on Big Tech companies.

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Despite higher interest in credit cards, customers are paying off their balances faster, which could complicate issuers’ profitability goals.