Open banking and its uncertain future in the US dominated discussions across FinovateFall’s 2025 agenda. Financial institutions (FIs) that already offer open banking capabilities—and those finding new ways to use open banking—will have a competitive advantage over those waiting for more clarity. It’s important to remember who owns the data in question—the customers. And the ultimate question FIs should be asking themselves is: How can they leverage that data to provide the best experience possible for their customers? While it’s unlikely that next steps will include fee-less transfer of this data, FIs must consider how their next steps into open banking can set them apart from the competition. For now, the most obvious step is letting customers manage which parties can access their data.
Connected TV (CTV) is nearing a third of overall TV ad spending as audiences shift attention to streaming platforms, per Madison and Wall. Linear TV still accounts for around two-thirds of overall US TV ad spending, but CTV increased its share by three percentage points YoY (excluding political ads). The path forward for advertisers depends on balance, not an either-or approach. Audience attention will continue shifting to CTV, making it a critical touchpoint—but with ad reach still low on streaming, linear will remain relevant.
OpenAI struck a landmark $300 billion deal with Oracle to build AI data centers across the US, cementing Oracle as a critical partner in the race to scale artificial intelligence. The agreement, part of Project Stargate, covers more than half of the computing infrastructure OpenAI says it will need over the next five years, per The New York Times. AI’s future rests on who can actually deliver compute at scale. Marketers should diversify cloud and AI partners, experiment early, and prepare to shift strategies quickly as winners and losers emerge in this infrastructure race.
In this podcast episode, we discuss retailers’ priorities this holiday period, how they can stand out from the crowd, and how to balance sharp pricing with creating an emotional connection that lasts beyond the season. Listen to the discussion with Vice President of Content and guest host, Suzy Davidkhanian, Principal Analyst, Sky Canaves, and Senior Analyst, Zak Stambor.
What CMOs say they expect to gain from AI: Efficiency and cost savings top the list of perks the industry hopes to gain from the disruptive tech.
US ad revenues grew 10.3% in Q2, excluding political advertising, continuing a trend of steady gains in 2025 despite tariff headwinds, per Madison & Wall. Digital advertising overall grew 15.8% and represented about a 70% share of ad spending. Ad growth is maintaining momentum, but the slowdown from 2024 indicates that advertisers are already becoming more cautious as tariffs and a recession could lead to a demand shock that affects advertising strategies.
Google and commerce media company Criteo announced an onsite retail media integration on Tuesday, marking the first of its kind for Google and opening opportunities for brands across digital commerce. Criteo and Google’s integration provides clear direction for advertisers struggling to capitalize on retail media’s potential, offering a seamless ecosystem that will connect brands with customers likely to take action.
AI platforms are no longer a side note in discovery—they’re driving measurable web traffic. Previsible’s 2025 AI Traffic Report shows that sessions driven by large language models (LLMs) surged 527% in just five months, per Search Engine Land. AI’s rise is reshaping how users find brands and information as web traffic declines, demanding an immediate strategic response from marketers. Those who adapt now—by tracking AI sessions, restructuring content for conversational interfaces, and optimizing across multiple models—will own the next wave of discovery. Those who don’t risk watching competitors capture visibility while their own content fades from discovery altogether.
“We have a rule at Liquid Death that if you expect us to do it, we should not do it,” said the brand's chief media officer Benoit Vatere at EMARKETER’s Future of Digital Summit yesterday. Vatere outlined the brand’s paid social challenges, why it’s doubling down on connected TV (CTV), and how it plans to build standout creative as it expands into the crowded energy drink space. Here are a few takeaways from the session.
Zendesk’s integration of OpenAI’s GPT-5 into its customer service stack has resulted in 30% faster response times, 95% reliability, and resolution of up to 90% of tickets in some cases, per VentureBeat. Fewer handoffs, quicker response time, and higher reliability are wins for both brands and customers. But there’s a catch—over-reliance on automation risks alienating users who still want a human touch when problems get tricky. For CMOs, lean into AI for speed and scale, but keep people in the loop to protect trust and brand experience.
PNC Financial is on track to buy FirstBank for $4.1 billion. The deal would give PNC a significant presence in Colorado and Arizona, per AP News. Mergers and acquisitions (M&As) are reshaping US banking, with this deal following larger ones that reset what financial institutions expect federal regulators to approve. But all of these M&As show that large banks are scaling up to better compete with giants like JPMorgan and Bank of America. This consolidation among super-regional banks clearly signals that the regulatory environment is favorable for such moves. And we expect more of these types of deals in the near future.
National Credit Union Administration's (NCUA’s) Q2 2025 report shows that US credit unions have successfully implemented growth and customer acquisition strategies over the last four quarters. As we covered in our “Community Bank and Credit Union Trend 2025” report, the industry has had no shortage of challenges, including difficulty acquiring and resonating with younger customers. But a 2.8 million member increase, potentially across various age groups,means their digital innovation strategies are working. To continue this trend, credit unions must maintain their level of digital investment while continuing to prioritize the human touch they’re known for. This is particularly important if they’re growing quickly through mergers and acquisitions.
The internet is now a near-constant presence for many adults—but adoption remains uneven. A median 28% of adults globally report being online “almost constantly,” per a Pew Research Center survey across 24 countries. This access creates fertile ground for advertisers. Always-on consumers deliver more touchpoints for engagement, more data for personalization, and more chances to convert browsing into buying. But more access doesn’t guarantee more impact. The challenge is finding the best way forward, through mixed formats, short videos, interactive polls, and native ads—so users stay engaged without feeling bombarded.
At Tuesday’s “Awe Dropping” Apple event, the hardware giant unveiled next-gen AirPods, Apple Watch models, and iPhone 17 series. Apple is pacing its AI rollout, waiting until users are ready and the tech can show real value. By banking on product innovation and design, it secures its dominance in the smartphone space. However, as rivals push out increasingly capable AI features, Apple’s silence may come across less like strategy and more like struggle. It may be time for Apple to consider more outside generative AI (genAI) partnerships, lest it fall too far behind to catch up—even on its own terms.
Ahead of an impending US sale deadline, ByteDance-owned TikTok has announced significant growth in Europe, adding 5 million active users YoY and seeing over 200 million EU users monthly. Even as TikTok grows in the EU and other key markets, the platform faces an uphill battle to reassure advertisers amid persistent uncertainty over its US regulatory future.
As the number of podcast listeners grow, giving them options for both listening to or watching the latest episodes has become key to maintaining audiences. More than half of US podcast consumers (53%) prefer watching podcasts over just listening on YouTube, per the Podcast Landscape 2025 report from Sounds Profitable and Signal Hill. YouTube’s connected TV (CTV) and podcast dominance presents a unique opportunity for brands to advertise in a variety of formats, whether that’s sponsored episodes, partnerships, digital video ads, or pre-roll, mid-roll, and post-roll audio spots.
Roblox is expanding with TikTok-style videos, bigger creator payouts, and new AI tools—while scaling its ad business. Users can now scroll gameplay clips, react with emojis, and jump directly into experiences, per TechCrunch. The platform is morphing from a gaming hub into a short-form media platform—challenging TikTok, YouTube, and Twitch. For advertisers, Moments offers a new layer where branded clips can sit alongside gameplay. Brands should balance paid ads with creator collaborations to preserve authenticity. For example, they could integrate brands and products into game content while sponsoring individual gamers creating short-form content on Roblox.
A recent Pew Research Center study reveals a dramatic shift in online behavior: When users encounter AI-generated search overviews, they're almost half as likely to click through to websites and more likely to end their browsing sessions entirely. This fundamental change threatens the traditional internet business model where human traffic drives ad revenue.
Brands are testing the waters with AI-generated influencers as AI becomes a staple of advertising and everyday life. Telecommunications brand Vodafone is the latest to jump on the trend. Despite consumer hesitancy, AI is increasingly shaping the ad ecosystem, necessitating that advertisers take a balanced approach to leverage AI for its creative and operational potential without alienating consumers.