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.

Integral Ad Science is expanding far beyond verification with IAS Agent, a DSP-embedded AI assistant that analyzes live campaign data and autonomously optimizes safety, suitability, and contextual settings. Built on IAS’s multimodal dataset, the tool evaluates trillions of signals across text, video, audio, and imagery to refine targeting decisions faster than human workflows—early testers reported efficiency gains and reduced waste. IAS frames the product as a step toward agentic advertising, enabling real-time optimization, natural-language insights, and interoperability with other AI systems. The launch comes as private equity bets heavily on independent measurement players amid rising demand for precision and transparency.

As consumers grow more comfortable with using AI, retail industry leaders see 2026 as a pivotal year in shaping how the emerging technology disrupts the way people shop.

In 2026, personal lines insurers will face a market reshaped by changing demand, risk, and consumer expectations. Growth hinges on smarter digital engagement, genAI transformation, richer data, real-time risk insights, and emerging coverage areas.

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.

The commerce media landscape is bracing for a defining year. Pressure is building across retailers and platforms to rethink how shoppers discover, evaluate, and buy products.

In 2026, commerce media will shift toward the core mechanics of shopping, as retailers reorganize, stores become high-impact media showcases, agentic AI opens new monetization, and financial platforms move closer to shoppable environments.

In 2026, a new financial ecosystem will form around five trends—stablecoins, agentic AI, consolidation, financial media networks, and AI search—blurring boundaries between banking, technology, and commerce.

This year’s Cyber Five brought in record sales, but it’s still unclear how consumer spending will unfold through the rest of the holiday season and into the new year. Shoppers are moving in different directions based on their financial stability, and many are starting their holiday buying weeks earlier. Coming out of the gate with strong value and consistent messaging is paying off early, but brands must keep that energy going as the season stretches and shifts.

In 2026, stablecoins, agentic commerce, and AI-driven rewards will reshape the payments industry. Providers need to bet early or risk being sidelined by faster, cheaper, and more intuitive payment experiences.

The FDA is introducing agentic AI to help its drug reviewers, investigators, and scientists carry out more complex tasks and develop AI-driven workflows. Its move into agentic AI signals that AI-driven review is becoming a regulatory norm.

Mobile will account for nearly half of US online sales in 2026 and become the dominant channel in 2027. To make the most of this shift, retailers and brands should enhance integration of their shopping apps and loyalty programs.

Google is innovating its AI image generation capabilities for advertisers with the release of “Nano Banana Pro.” The tool enables advanced creative capabilities for ads, enhancing brands’ ability to generate and edit images using AI in Google Ads. AI is set to deliver increasing value to advertisers as creative capabilities evolve and consumers generally grow more comfortable with its role in marketing.

On today’s podcast episode, we discuss the three big questions surrounding Amazon in Q3 and beyond: What Amazon's corporate layoffs tell us about how AI is actually affecting the broader job market. Is Amazon’s new “Help Me Decide” feature a significant stepping stone toward agentic AI? And could Amazon’s AI smart glasses for delivery workers be a Trojan horse for broader smart-glasses adoption? Join Senior Director of Podcasts and host Marcus Johnson, along with Analyst Rachel Wolff. Listen everywhere, and watch on YouTube and Spotify.

Three major AI releases—Microsoft’s Agent 365, Google’s Gemini 3 Pro, and xAI’s Grok 4.1—could point the way to how businesses will deploy and govern AI. Following OpenA’s GPT 5.1, each new product update approaches intelligence from a different angle: Microsoft is offering operational control, Gemini is touting multimodal reasoning and search, and xAI is demonstrating emotional fluency. The brands that map these tools to specific workflows—governance with Microsoft, discovery and search with Google, and engagement with xAI—could see faster execution, sharper insights, more resilient customer experiences, and tangible ROI.

Nearly 70% of large organizations are using genAI tools in marketing, but only 7% of global marketing leaders strongly agree that genAI use has improved the effectiveness of their campaigns, per a new study from Capgemini. The challenge may lie in budget control: More than half of AI initiatives are funded by IT. For AI to become the engine of growth that leaders envision, marketing needs to assume ownership, budget, and strategic influence to bridge the gap between its potential and its realized value.

Intuit signed a multiyear strategic partnership with OpenAI with over US $100 million per year to embed OpenAI’s models into Intuit’s software. The models will enable AI agents for Turbotax, QuickBooks, Credit Karma, and Mailchimp. Intuit’s OpenAI deal foreshadows a seismic transformation in how users experience applications— where generative interactions become the norm, AI agents handle tasks on users’ behalf, and copilots integrate seamlessly into daily workflows. In financial services, it introduces the capacity to quickly interact with complex data and take action.

Google is expanding its use of agentic AI across its advertising suite, announcing that Ads Advisor and Analytics Advisor—two new, Gemini-powered assistants—will roll out to all English-language Google Ads and Google Analytics accounts in early December. Per Google, the tools aim to make campaign management and data interpretation faster, simpler, and more conversational. AI copilots are becoming table stakes. With Google and Amazon both embedding agentic AI into their ecosystems, conversational interfaces will soon be the default way advertisers plan and manage campaigns.

Amazon announced a breadth of AI-powered ad options on Day 1 of its annual Unboxed event designed to simplify campaign creation and deployment. Amazon’s new resources give advertisers a uniquely full-funnel solution that’s difficult to find in the crowded digital marketing world.

The world’s largest digital platforms are increasingly treating AI as the foundation of a new commercial paradigm, according to recent earning calls from Google, Amazon, and more.