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MrBeast Financial: Can YouTube’s Biggest Star Disrupt Banking for Gen Z and Others? | The Banking & Payments Show November 13

In today’s episode, we explore whether MrBeast’s pivot from giving away money to managing it marks a natural evolution or a red flag and if we looking at the rise of a financial services super-app that competes with banks—or a NerdWallet-style affiliate play that sells Gen Z customers to other financial service providers? Join the discussion with host and Head of Business Development Rob Rubin, and Principal Analysts Tiffani Montez and Max Willens.

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Microsoft is turning to lifestyle creators to make Copilot a cultural player, not just a productivity tool. TikTok stars like Alix Earle, Brigette and Danielle Pheloung, and Brandon Edelman are showing Copilot in real-life contexts—beauty, fashion, and self-improvement—garnering millions of views and repositioning the AI assistant for Gen Z and women users. Consumer CMO Yusuf Mehdi calls Microsoft a “challenger brand” in AI assistants, with 150 million users compared with ChatGPT’s 800 million weekly. The influencer pivot signals a shift toward utility-driven marketing—content that demonstrates value in everyday life rather than selling aspiration.

Jack Dorsey is reviving nostalgic short-form video culture with diVine, a Vine reboot designed for authenticity at a time when AI-generated creator content is surging. The new app launched with over 100,000 restored Vine videos. Vine gives diVine an emotional head start—but survival will hinge on converting that sentiment into fresh creative momentum. Brands that lean into authenticity will find diVine a clean slate—one where trust and creativity drive engagement. Still, it must overcome one hurdle: persuading audiences to make room for one more app in an already-saturated attention economy.

Chinese tax authorities are requiring Amazon, Temu, Shein, and other major platforms to submit Q3 sales data from Chinese merchants as regulators intensify efforts to curb tax evasion in cross-border ecommerce. The information is expected to reveal higher actual sales than those reported, potentially leaving sellers liable for up to 13% VAT plus back taxes. The move aligns with Beijing’s broader push to recover tax revenue, and it comes as global markets tighten de minimis rules. These shifts could reshape marketplace dynamics as Chinese sellers reassess pricing, participation, and ad spending amid rising compliance pressures.

The advertising industry is moving from “opportunity to see” to “proof of impact.” The new IAB and MRC Attention Measurement Guidelines formalize a shift long visible in audience behavior in which people respond to what they feel, not what they scroll past, per MarTech. Attention standards raise the bar so it’s no longer enough for an ad to be seen—it needs to elicit an emotional response. Brands targeting specific demographics should design creative around their emotional triggers, measure attention as a quality metric, and build media plans that prioritize resonance over reach.

Google is adding agentic checkout to its shopping capabilities in time for the holiday season, alongside other genAI tools. These updates defend Google’s core search ad business as shopping queries move toward conversational interfaces, even as the company still dominates the search journey. They also position Google to benefit from increased genAI adoption this holiday season.

Google is expanding its use of agentic AI across its advertising suite, announcing that Ads Advisor and Analytics Advisor—two new, Gemini-powered assistants—will roll out to all English-language Google Ads and Google Analytics accounts in early December. Per Google, the tools aim to make campaign management and data interpretation faster, simpler, and more conversational. AI copilots are becoming table stakes. With Google and Amazon both embedding agentic AI into their ecosystems, conversational interfaces will soon be the default way advertisers plan and manage campaigns.

Cyber Monday ad spending eclipsed Black Friday for the first time last year, per a Sensor Tower and Pathmatics analysis of spend from the “shopping” category between October 1 and December 31. While the digital sales day brought in just $300,000 more in ad spending than its in-person counterpart, it represents a turning point in the yearslong trend. As even Black Friday shopping moves online, advertising with the tail end of the Cyber Five period in mind could help with both day-of sales and December shopping.

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Robinhood has partnered with Gopuff to deliver cash that customers have withdrawn from their Robinhood bank accounts. Robinhood is building on its super-app strategy for Gen Zers and millennials to draw them in with entirely new financial products: It recently added trading for nontraditional assets as well as “event contracts” to trade bets with other users. The Gopuff cash delivery partnership blends premium banking services that younger consumers expect with the digital access and convenience they’re accustomed to.