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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.

50.3% of US grocery shoppers say they'd use in-store digital tools if instant savings and coupons were exclusive to those tools, according to July 2025 data from Amazon Ads and EMARKETER.

From grocery aisles to gig apps, the biggest names in commerce are converging on the same conclusion: Grocery has grown into the ultimate testbed for convenience, loyalty, and AI-driven efficiency.

Nearly one-third (31.4%) of US adults will purchase a prescription drug at an online pharmacy this year, per EMARKETER’s first-ever forecast of online pharmacy users. Online pharmacies won’t dominate prescription drug purchases anytime soon, but they’re becoming a core part of how consumers shop and pay for medications. Pharmacies that combine the best of in-person and digital offerings will be well-positioned to win customers. That means staffing stores appropriately during busy hours, ensuring pharmacists can answer questions both online and in person, and providing intuitive websites and apps for prescription management and payment. Online-only pharmacies will want to clearly showcase their accreditations in consumer marketing.

The FDA appointed long-time cancer therapy regulator Dr. Richard Pazdur as the new director of the Center for Drug Evaluation and Research (CDER). Pazdur’s appointment is likely to reassure drugmakers that have been concerned about regulatory changes and slower drug reviews and approvals, and signals a return to more predictable science-driven drug evaluation and oversight.

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Nearly 4 in 10 (38%) US consumers already use AI for shopping, and another 52% plan to in the future, according to a new report from the IAB.

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Venmo launched Venmo Stash, a bundled brand rewards system for users, per a press release. Cardholders can select handpicked bundles of their favorite brands—which include Uber, Lyft, Target, Walmart, and Sephora—to earn a flat 1% back on their purchases. Users can raise that rate to 2% by enabling auto-reloads to their wallets and 5% for adding at least $500 in direct deposits on Venmo each month. Injecting more choice into consumers’ rewards adds incentives to make a card top of wallet. Leaning into flexible rewards and card-linked offers can help secure younger consumers who are looking for value and functionality at checkout during economic uncertainty.