The ad spending winter of 2022 and early 2023 was mild and short-lived, as we predicted. And after a solid H2 2023, things are looking up across the board for 2024.

Fintechs, banks, and the government will reshuffle the payments deck in 2024. New features and competition will redefine the digital wallet user experience, and FedNow will pivot payment flows in new directions.

Until Google rolls out generative search to all users, most consumers won’t adopt the technology. That means AI isn’t driving search ad spending—yet.

In part one of this two-part podcast episode, we discuss some predictions for 2024 that are too specific to be 100% certain about but could still come true, including: which subscription video-on-demand (SVOD) platform Apple will likely buy, where metaverse playgrounds will spring up, and what the ruling between Google and the US Department of Justice will be. Tune in to the discussion with our vice presidents of content Suzy Davidkhanian and Paul Verna and analyst Max Willens.

Ad spending growth is tapering off, but major changes are coming to the market, including the deprecation of third-party identifiers, a new era in TV ad measurement, and growing use of AI in advertising.

Showing card account info takes away an important touchpoint for banks and puts Apple at the center of the relationship

Despite a hardware sales dip, Apple’s services peak: The consumer tech giant eyes generative AI and new ad platforms to boost future earnings.

The US audience for voice assistants is nearing a milestone: 150 million users. Read on for figures from our latest forecast, including how many people are using smart speakers and how they use them.

Ecommerce sales will return to double-digit growth this holiday season amid a backdrop of healthy consumer spending.

Email marketing has been threatened recently by changes from Apple and Google, and email marketers are working to stay on top of industry shifts. Here are four burning questions about email marketing’s recent shifts.

The move can bring in more volume on PayPal’s cards and enhance consumer loyalty

Despite the rise of ecommerce, nearly 85% of US retail sales still occur in-store, according to our forecast. To attract customers to physical stores, brands must continually innovate to offer memorable experiences.

UK mobile P2P payments usage growth has a case of the doldrums—but bank and digital wallet providers can explore several options to give it a boost.

In 2023, 92.3% of the 5.2 million accounts opened digitally will be with incumbent banks, as digital-only banks fall victim to economic uncertainty and intense fintech competition.

Here's how people in South Korea spend their time and money online, represented in 10 charts.

On today's episode, we discuss the ways in which firms are prepared—and unprepared—for AI, what happens when companies have finished test-driving generative AI, and what to make of Meta giving away its AI model. "In Other News," we talk about when we can expect to see GPT-5 and how Apple’s lip-reading technology could be a step toward artificial general intelligence. Tune in to the discussion with our analysts Jacob Bourne and Gadjo Sevilla.