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Instagram introduces subscriptions as it vies for control of the creator economy: As Instagram’s cachet diminishes among younger audiences, it hopes monetization tools will keep creators from turning to other platforms.

On today's episode, we discuss the most important trends shaping the future of shopping, whether gifting experiences can catch up with physical goods, the best return policies, the "empty promise" of instant delivery, Taco Bell's subscription service, an unpopular opinion about Netflix prices, who invented Monopoly, and more. Tune in to the discussion with eMarketer principal analyst Suzy Davidkhanian, director of forecasting Oscar Orozco, and director of reports editing at Insider Intelligence Rahul Chadha.

Google hired former PayPal exec Arnold Goldberg to lead its payments division following last year’s struggles with employee turnover within payments.

DeFi industry must do more self-policing until regulation arrives: Theft from DeFi platforms increased 1,330% in 2021—and the SEC is looking at pseudonymity and opacity as major problems to solve.

The tie-up with a fintech specializing in identity verification and compliance solutions helps the open-banking provider stay ahead of regulatory action that will reduce its product differentiation.

Marketers saw the potential of location data early and remain major users of it. But applications are expanding beyond marketing.

Snapchat’s user base in the region grew almost 70% in 2021, to 107 million, compared with just 3.4% in North America.

The majority of US social buyers still order from retailer websites, rather than directly on social platforms. In December, 61.5% said they made their most recent social commerce purchase on the retailer’s site, while 38.5% reported doing so through the social network’s checkout feature.

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Insider Intelligence spoke with Lindsay McCormick, founder and CEO of Bite, a direct-to-consumer (D2C) brand founded to help consumers decrease plastic use in their personal care routines, starting with a plastic-free toothpaste before expanding into other products like deodorant.