Digital wallets’ transformation into commerce enablers speeds up. We make a case for digital-only consumer credit cards. And we see a new threat that BNPL poses to credit cards.

On today's podcast episode, we discuss what its like to grow up with artificial intelligence, where Gen Z are spending most of their media time, and how best to target these young folks with ads. "In Other News," we talk about the LGBTQ+ consumer and how represented US Hispanic consumers are in ad budgets. Tune in to the discussion with our analyst Paola Flores-Marquez.

Community banks and credit unions were marked safe from the recent US regional bank collapses. But they’re still contending with unprecedented interest rates, an aging customer base, and disappointing core banking technology.

For several years in a row, the four largest US P&C insurers have cut ad spending, leading to a steady decline in TV ad impressions.

Black consumers are tech-savvy and eager to stay up to date on the latest digital and pop culture trends.

We look at the social media trends that hold Gen Zers’ limited attention spans.

Brands’ customer experience is declining: Consumers are frustrated over shrinkflation and AI customer service, forcing retailers to do more to demonstrate their value to cautious shoppers.

Gen Z’s media consumption, digital behavior, and attitude toward ads is a reflection of their upbringing in the app age. That’s why advertising to Gen Zers requires a unique approach—one that prioritizes privacy, encompasses multiple channels and screens, and leverages new formats. Here are five key stats advertisers should know about targeting Gen Z.

Since the pandemic, online ordering and delivery have become table stakes for the grocery industry. Retailers like Albertsons have begun to develop tools and capabilities that provide added value for customers, focusing on creating a more convenient experience. “Consumers think about food 226 times a day, that’s a lot of cognitive load,” said Jill Pavlovich, senior vice president of digital shopping experiences at Albertsons Cos. “So we want to take the experience from a transactional one to a helpful set of tools that can help people manage this.” Albertsons leveraged customer data to identify areas for improvement across its website and mobile app.

Gen Zers and millennials are increasingly turning to social media platforms for health-related information. Here’s the data you need to ensure your marketing campaigns are reaching these cohorts.

It may be an olive branch for Gen Zers and millennials who may be upset over its decision to stop accepting Amex. It’s a win for Venmo’s monetization journey

Not all assumptions about how Gen Z consumers shop are correct. While it’s true that they’re motivated by sustainability, they’re also limited by their budgets. It may be difficult to earn their loyalty, but they still have brand affinities. Here are four assumptions about Gen Z and whether there’s any truth to them—straight from members of Berns Communications’ Z Suite network of Gen Z consumers.

Consumers' definition of value is evolving as they demand not just the lowest prices, but quality and convenience too. Gen Z beauty shoppers prioritize innovation and sustainability over price, grocery shoppers seek high-quality products at lower prices, and high fees deter online purchases. Loyalty programs should be tailored to offer consumers the kind of rewards they want most, but not at the expense of brand identity. Here are five key stats to help brands understand what consumers value and stay competitive.

Gen Z and millennials shift to social media: Both cohorts prefer TikTok and Instagram over traditional search engines.

Social network user growth is stalling in Western Europe. Marketers should look toward changing platform dynamics, particularly among generational cohorts, to best manage their social media strategies.

Proximity mobile payments are on a growth tear, driven by strong spend per user. Here’s how providers are using wallet integration and new features to make proximity payments stickier.

Retailers turn to virtual experiences to boost engagement, awareness: Walmart, Ikea, and Skechers are among the many trying to increase their appeal to younger shoppers while driving sales.

Influencer marketing is becoming a need-to-have for payment brands’ marketing teams. While not without risks, it’s key to building awareness and creating relationships with young consumers.

Consumers worldwide want more from their mobile banking apps. Here are three charts that examine what consumers are looking for and how meeting demand benefits banks.