Gift cards remain a resilient holiday staple, valued for convenience and budget control, even as rising fraud concerns prompt retailers to bolster security measures and consumer warnings.
Chase Sapphire Reserve will offer an exclusive FIFA World Cup ticket sale for cardholders in February 2026, per Chase. Offers connected to major events with deep fanbases can create valuable sign-up opportunities and positive brand associations for issuers. To maintain these new cardholders’ loyalty, issuers should consider integrating experiential rewards during the games—lounge opportunities, fast-pass check-in lanes, interactive pop-ups—to funnel users through multiple value-driven experiences over the duration of the tournament.
Walmart’s OnePay adopted Google’s Agent Payments Protocol (AP2) to drive agentic commerce as a credentialled provider, per a press release. With Chrome remaining consumer’s most popular browser, Gemini is narrowing the gap with ChatGPT as the most used chatbot: We forecast that by 2029, Gemini will hold 53% of genAI market share. That in turn could give Google’s AP2 a large share of agent-driven consumer spend in the long term, as consumers develop loyalty and use patterns around AI platforms.
Artificial intelligence is working its way into every facet of the US economy, and the payments industry is no exception. While the changes to consumers’ payment behavior will be gradual, providers need to act now, according to our 2026 AI in the Payments Customer Life Cycle report. Providers need to overcome critical issues like data fragmentation, but a well executed AI strategy can help providers maintain control over product discovery and streamline checkout.
Store brands grew 3.7% while national brands lagged at 1.1%, widening the value gap for inflation-hit shoppers.
The FTC's recent settlement penalties remain too small to shift corporate behavior.
On today’s podcast episode, we discuss our “very specific but highly unlikely” predictions for 2026: what Amazon will do with the price of Prime; between OpenAI and Apple, who’s most likely to buy whom; and why a potential WBD acquisition by Netflix might not go through in 2026—if at all. Join Senior Director of Podcasts and host Marcus Johnson, Principal Analyst Nate Elliott, and Vice Presidents of Content Suzy Davidkhanian and Paul Verna. Listen everywhere, and watch on YouTube and Spotify.
Even as the majority of podcasters (71%) use video, per Sounds Profitable, video podcast ads are falling short of driving purchases compared with audio ads. YouTube’s video podcast ads are 18% to 25% less effective than audio downloads at driving users to purchase, according to an Oxford Road and Podscribe study. Video podcast consumption is growing, and YouTube remains the largest media platform globally, but advertisers looking to target podcast consumers specifically must make audio a core part of their campaign planning.
Amazon is recalibrating its relationship with the agencies and adtech firms that helped build its retail-media dominance. While Amazon insists agencies remain central, many intermediaries say rising data costs and tool duplication echo earlier platform playbooks from Google and Meta—centralize strengths, limit external dependencies, and scale in-house automation. The result is a more controlled, AI-driven ecosystem that may reduce tooling diversity while boosting Amazon’s own ad stack. For marketers, the challenge will be balancing Amazon’s convenience and scale with the flexibility, transparency, and customization offered by independent partners.
As retailers prepare for next year, they acknowledge that convenience has evolved from a value proposition to a structural shift in how all of retail operates. We asked leaders across retail media, digital identity, payments, mobility, and connected commerce, and they agreed that convenience will continue to change throughout the next year as expectations shift and AI eliminates friction.
Agencies are increasingly acting as commerce media guides, helping brands move past outdated structures, sort through measurement standards, and bring AI into their planning. While commerce media networks (CMNs) have expanded to capture more than just retail media dollars, the silos between brand, retail, and sales teams make integration a challenge.
"The retail media landscape is only becoming more crowded, but Target's guest insights are often cited as a key differentiator," said our analyst Sarah Marzano during EMARKETER's recent Commerce Media Summit.
2025 challenged many of retail’s long-held assumptions. What looked like familiar patterns often turned out to be something different entirely, and in the process, a few key trends were either missed or misread by brands trying to make sense of shifting shopper behavior. Here are three trends from 2025 that were either overlooked or misunderstood, and why they will matter in the year ahead.
Albertsons Media Collective has rolled out a new off-site feature that lets consumers add products, recipes, coupons, or offers directly to their Albertsons cart from media placements across the open web.
While commerce media networks expand, retailers can take advantage of the efficiencies and measurement capabilities that they can provide.Retail media networks alone are expected to claim one-fifth of US digital ad spending by 2029, according to EMARKETER’s September forecast.
US inflation eased more than expected in November, with headline CPI rising 2.7% and core inflation slowing to 2.6%, but many highly visible essentials—including electricity, insurance, beef, and coffee—continue to climb much faster than the overall index. These increases are weighing on sentiment as wage gains cool and more households struggle to cover rising costs, leading to softer financial confidence and growing paycheck-to-paycheck pressures. With forecasts pointing to weaker real spending and looming jumps in healthcare premiums, easing inflation does little to offset the reality that household budgets remain under significant strain.
Mastercard and LoanPro launched Loan on Card, a personal loan service for consumers and small businesses delivered through virtual and physical cards, per a press release. Loan on Card provides a patch for issuers trying to retain customers that otherwise would have fled to BNPL platforms for larger loans to avoid revolving debt on credit card transactions they couldn’t pay off within a month. BNPL platforms can still boast direct connections at the point-of-sale and the fact that even longer-term BNPL loans don’t appear on customers’ credit scores. Banks need to make sure their loans are just as accessible when consumers are shopping for bigger purchases—with real-time underwriting.
SoFi launched the SoFiUSD stablecoin on the Ethereum blockchain. The bank will also provide infrastructure that lets other banks and fintechs issue white-label stablecoins that are interoperable with SoFiUSD. “Stablecoins as a service” like SoFi’s offering—and Fiservs’—may democratize stablecoins to a broader base of financial institutions. Up until now, banks that wanted to issue stablecoins needed to develop their own decentralized finance (DeFi) infrastructure and internal compliance guardrails. A widespread entry into stablecoins would be a massive pivot for a banking sector used to dealing in fiat currency, normalizing stablecoins as a payment mechanism across the US—further blending traditional finance and DeFi.
Foot traffic trends softened retail in Q3, a potentially troubling sign for holiday spending, according to our Industry KPI data from Placer.ai. The four categories tracked—discount and dollar stores, grocers, department stores, and home improvement stores—had slower growth from July to September, providing more evidence that consumers are feeling the strain of higher living costs. The data points to a rocky year-end for department stores and home improvement retailers, which have struggled this year to overcome sluggish consumer sentiment and uneven spending. At the same time, retailers that offer necessities and can deliver clear value are positioned to win.