Retail media’s early free-for-all is giving way to a more deliberate approach. At last week’s EMARKETER Summit, leaders from Kellanova and Every Man Jack described how marketers are sharpening their focus, rethinking measurement, and preparing for an AI-driven discovery landscape.
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Become a ClientPNC unveiled direct Bitcoin trading for private bank clients—high net-worth (HNW) and ultra-high net-worth (UHNW) individuals. PNC clients will be able to buy, sell, and hold Bitcoin through PNC using Coinbase’s crypto as a service product. Amid the Great Wealth Transfer, banks and brokerage firms can’t ignore crypto, and they shouldn’t satisfy themselves with retail offerings. With integrated crypto trading and custody, PNC fixes a crucial competitive gap with crypto firms and forward-thinking brokerages, augmenting wealth services to attract consumers who expect to invest in crypto. Peers will follow.
Many Gen Xers have waited until their later working years to prepare for retirement, according to a Harris Poll study, and they’re racing to catch up. After they realized retirement was nearing, 40% of Gen Xers said they cut back on discretionary spending. The story about the Great Wealth Transfer often leaves out Gen Xers. Banks should be preparing their advice offerings for the upcoming wave of Gen X retirements among and the financial strain many face as that transition nears, so these customers aren’t left behind.
BNY will integrate Google Gemini Enterprise into Eliza, its in-house AI platform. Gemini will give Eliza deep research tools and let BNY’s employees build AI agents that draw from and act on the bank’s vast libraries of financial data. The haves and have nots of banking’s AI era are coming into relief. The top strata are institutions that have invested heavily in data infrastructure that supports AI’s needs. The next strata are developing dedicated AI strategy but aren’t building as much in-house. Banks in the final strata haven’t found ways to use AI at scale but need to now.
On today's podcast episode, we discuss the Thanksgiving shopping season—what surprised us most, what it revealed about the fragility of the US consumer, and how much AI moved the needle for shoppers, and retailers. Listen to the discussion with Vice President of Content and host Suzy Davidkhanian, Senior Analyst Zak Stambor, and Analyst Rachel Wolff.
McDonald’s has pulled an AI-generated Christmas ad after a wave of online backlash. Upon removal, McDonald’s said to BBC News that the ad was “an important learning” for the company’s understanding of “the effective use of AI.” McDonald’s teaches a valuable lesson: Consumers aren’t yet ready for ad creative that is built entirely on AI. But advertisers still face a landscape where not using AI is a detriment to staying ahead. Balance is now a competitive differentiator.
To counter complaints about its proposed Warner Bros. purchase, Netflix co-CEO Ted Sarandos has pointed to what he says is the company’s biggest competitor: YouTube. Netflix’s contention that YouTube is its biggest competitor is defensible, but key differences exist between the platforms that opponents could use to swing back. Ultimately, it may come down to a court ruling—and recent antitrust cases suggest judges may side with Netflix.
Substack is testing its first structured sponsorship program, allowing selected writers to insert paid brand placements directly into newsletters—an opt-in beta that keeps creators in full control and avoids programmatic ads. The move follows significant audience growth, with US uniques doubling in a year, but minimal marketer adoption: only 5% of brand marketers use Substack today. Sponsorships offer a way to monetize large free audiences while preserving the platform’s editorial identity. For advertisers, the beta introduces a premium, high-intent environment suited to thought leadership and niche expertise—an early indication that creator newsletters may become more formal components of influencer and upper-funnel strategy.
Figma’s latest AI-powered object removal and image expansion tools could be an ideal counterpart to AI image generators like Google’s Nano Banana, OpenAI’s DALL-E, and Midjourney. By automating time-consuming edits, these tools will help smaller agencies and in-house brand teams compete with big-budget creative studios. Figma’s AI upgrade marks a tipping point where creative workflow automation at scale is no longer prohibitive. As repetitive tasks get offloaded to smarter tools, brands and marketers can focus on vision, differentiation, and improved campaign strategy.
Canadian consumers are heading into the holidays with tight budgets, as surveys show a rising share cutting back or shifting spending toward essentials. This pullback, combined with flat retail sales and broader economic worries, suggests retailers shouldn't expect a late-season rebound to bail out weak demand. To lure what spending does occur, retailers will need to double down on value messaging and use loyalty programs to win over highly price-sensitive consumers.