The insight: Retailers’ return strategies play a crucial role in managing the impact of tariffs. Efficient reverse logistics processes can help maximize companies’ existing inventory and reduce buying costs—vital savings at a time when every overseas order carries a minimum duty of 10%. Our take: With tariffs looming large, retailers need to maximize the efficiency of their reverse logistics operations. Being able to restock returned merchandise faster will help mitigate some inventory pressures—although companies need to make sure that they have rigorous processes to prevent items in poor condition from making their way to customers and damaging their brand reputations.
The news: A recent study found 89% of consumers prefer affordable life insurance with shorter guarantees (to age 90) over “guaranteed-for-life” policies—once visuals and real-world comparisons clarified premium trade-offs. Flexibility and control in coverage and payments also ranked high. Insurers must stop defaulting to lifetime guarantees. Our take: Life insurers should reframe product education using visuals, dollar examples, and jargon-free language to communicate the cost-benefit of “lighter” options. Designing flexible, customizable life insurance policies will attract cost-conscious buyers and boost retention in a market shifting toward personalization and transparency.
The news: Higgsfield’s Soul is the latest AI-powered image- and video-generation service that’s fine-tuned for “fashion-grade realism,” making the output resemble professional photos and videos without the plasticky, overprocessed feel of typical AI visuals. Our take: For less than $10 a month, freelancers and marketing teams can now fast-track campaign proposals and client pitches with high-quality visuals. As AI tools become more accessible, the advantage goes to creatives who learn to shape them strategically—those are the ones who’ll win the big contracts. Marketers should treat tools like Soul it as an accelerant, not a replacement. Use it to prototype fast, align on visual direction, and cut production waste.
The news: China is outpacing the US in retail media’s global rise, with nearly half of its digital ad spending now flowing through retail platforms. While Amazon still leads globally, its growth is slowing—expected to rise just 18.6% in 2025. Meanwhile, players like Uber Eats, Meijer, and Albertsons are growing ad revenues at triple-digit rates. Our take: Retail media is becoming more fragmented and competitive. Success now requires portfolio diversification, especially as new channels—like last-mile delivery and in-store signage—gain momentum. What began as an Amazon-centric, US-led trend is now a worldwide shift reshaping how consumers discover, consider, and buy.
The news: The P&C insurance industry posted a 96.6 combined ratio in 2024—its best in 10+ years—despite natural disaster losses. Major reserve boosts, surging premium growth, and smart underwriting (especially in personal auto and homeowners) drove this performance. GenAI adoption further enhanced claims processing and fraud detection. Strategic exits from high-risk areas also curbed losses. Our take: P&C insurers must double down on AI, automation, and risk analytics to sustain profitability amid growing climate volatility and economic headwinds. Innovation in underwriting and pricing, paired with disciplined risk management, will be key to staying resilient in an increasingly unpredictable risk environment.
The news: SoFi will relaunch its crypto investing platform and will introduce self-serve international money transfers powered by blockchain technology by year’s end, per a press release. Our take: As customers warm to crypto transactions, remittance providers stand to score valuable volume—and customer loyalty—if they style their businesses around what remittance senders want most: cheap, convent, and fast transactions.
The trend: Value-seeking behavior is on the rise, though not without some volatility, per Deloitte. Our take: Consumers’ growing focus on value doesn’t necessarily mean they want the cheapest option. In fact, up to 40% of how consumers evaluate value comes from nonprice factors, per a separate Deloitte study. That’s a critical distinction for brands. While it can be tempting to lean into discounts, a narrow focus on price cuts can hurt long-term brand equity. Brands that offer added value—through better quality, service, loyalty programs, or other innovations—are seeing stronger purchase intent and increasing consumer share.
The news: A proposed merger between Bank of New York Mellon and Northern Trust could create a "monster deal," significantly consolidating the custodial banking space. This large-scale move would pressure smaller competitors, potentially creating a powerhouse in institutional investing and setting new digital efficiency standards. The recent Capital One-Discover acquisition suggests a regulatory environment emboldening such rapid growth. Our take: While large mergers are gaining traction, they're not guaranteed solutions for competitiveness. Banks considering similar strategies must plan meticulously and engage stakeholders. Without careful execution, such integrations can lead to dissatisfied customers and attrition, despite the perceived benefits of scale and market dominance in a hyper-competitive environment.
The news: The banking sector is evolving towards embedded finance and enhanced data-sharing, allowing customers to access financial products and services from any provider, on any platform. This unbundling trend, driven by fintechs, could marginalize traditional banks. The article draws a parallel to the music industry's digital disruption, where unbundling (like iTunes) and streaming (like Spotify) fundamentally reshaped its value chain. This transformation, catalyzed by companies like Napster, created diverse new models. The opportunity: Similar to how streaming music providers anticipate continued growth, banking customers increasingly seek unbundled services, with fintechs outpacing traditional financial institutions in new checking account openings as consumers hold multiple accounts for specific needs.
The news: Influencer marketing spending is increasing steadily in the US and worldwide, representing a key area of growth as audiences turn to the creators they trust for purchase decisions. In a conversation with EMARKTER, Arthur Leopold, head of the creator content ad platform Agentio, discussed why audiences are turning to influencers, how technology is changing the game, and where influencer marketing is heading. Our take: Influencer marketing continues to be a core focus for advertisers in a consumer landscape dominated by social media—but as more brands invest in influencers, advertisers need to keep key considerations in mind.
The news: Banks shouldn't use a single marketing strategy for all young people—Millennials (born 1981-1996) and Gen Z (born 1997-2012) have distinct financial behaviors. Millennials, shaped by economic uncertainty, seek stability and pragmatic digital tools, valuing expert advice. Gen Z, digital natives, demand effortless speed, are influencer-driven, and focus on immediate experiences, often skeptical of traditional banks. Our take: Marketing must be tailored. For millennials, emphasize trust, reliability, and security for long-term goals, offering expert education. For Gen Z, highlight speed, flexibility, and convenience through engaging, short-form content on platforms like TikTok, utilizing influencers to build rapport.
The news: Despite lower COVID-19 mortality rates, it remains the 10th leading cause of death in the U.S. Lingering health impacts—like long COVID, delayed diagnoses, and worsening chronic conditions—continue to threaten life insurers’ claims experience and profitability. Pre-pandemic underwriting likely underestimated these risks. Our take: Life insurers must recalibrate actuarial and pricing models to account for persistent COVID-19 health risks. Incorporating new medical and mortality data into term life and other products will ensure premiums align with post-pandemic realities, protect margins, and improve risk modeling accuracy in an evolving health landscape.
The news: A superior digital interface directly correlates with customer care, boosting recommendations and loyalty. Personalized digital engagement, where banks anticipate Gen Z's needs and provide relevant recommendations, also builds trust. Our take: To combat Gen Z's distrust, banks must prioritize brand authenticity and enhance the digital experience. Banks should invest in seamless onboarding, intuitive mobile apps, and relevant personalized recommendations. Failure to do so means digital competitors will continue to capture this emerging generation of wealth builders by operationalizing care through design and data-driven personalization.
The news: A majority of GLP-1 weight loss drug consumers are now staying on the medications for more than a year, per an annual Prime Therapeutics analysis. The Prime study includes 5,780 people via healthcare claims over three years; the mean age was 47 and 80% were women. The final word: Adherence rates longer than a year validates the idea that prescription weight loss GLP-1s, and newer drugs on the way, are here to stay as chronic disease treatments. It shifts typical weight loss marketing from cyclical—keep your New Year’s resolution or lose weight for your wedding—to medical and consistent.
The trend: US consumers trust the pharma companies that advertise the prescription drugs they’re taking. Our take: Pharma companies can take heart in knowing the people who take their drugs trust them and their advertising. But it’s also an opportunity for precise data and media targeting to reach new consumers who would be interested in their medication—undiagnosed people or competitors’ patients—and receptive to learning about them.
The trend: Over three-quarters of US hospitals now task pharmacists with patient care responsibilities, according to a recently published survey from the American Society of Health System Pharmacists. Our take: Struggling retail pharmacies should also entrust pharmacists to play a bigger role in patient care, especially as some drugstores pivot to health-focused store formats.
The news: During a Congressional subcommittee hearing, HHS Secretary Robert F. Kennedy Jr. laid out his vision for all Americans to use a wearable with health-tracking capabilities within four years. Our take: Marketers should use Kennedy’s enthusiasm for wearables to their advantage. They should get out in front of the government’s ad campaign by developing their own promotions that inform consumers of wearables’ evolved health-tracking features beyond just counting calories and steps. They could target people who aren’t as familiar or have never used a health wearable due to price concerns or lack of tech-savviness.
The news: News publishers are investing in social media presence that may not be creating meaningful referral traffic. Although publishers are working to meet audiences where they are—on social and video platforms—their content is being watched, not clicked, per Digiday. Our take: Despite social media not converting engagement into referral traffic, news publishers have little option but to remain—leaving social platforms means losing user attention. Publishers may need to boost their efforts in community-driven channels like Substack and podcasts to foster engagement and reader loyalty.
The news: Linear ad impressions declined 4.25% YoY in Q1, falling from about 92% of impressions in early 2023 to around 86% in March 2025, per iSpot’s Q1 TV Ad Transparency Report. But despite the decline, linear ad spend grew 4% in Q1, reaching $12.34 billion—indicating that while audience preferences are shifting, advertiser interest in linear remains steady. Our take: The most effective ad strategies will strike a balance between sustaining investment in linear to capitalize on its scale and reliability, and steadily increasing investment in streaming to align with evolving viewer behavior and future-proof campaign performance.
The news: Small- and medium-size businesses (SMBs) are increasingly relying on social media as a key marketing tool—but over half are struggling to keep up with the rapidly evolving landscape. Over three-quarters of small business leaders state that using social media has made a positive impact on their business—but 56% find it difficult to prioritize social media use, and 54% struggle to produce enough content to support multiple social media channels. Our take: Keeping up with social media’s future requires SMBs to integrate it as a core business function rather than viewing social media as an afterthought.