Gen Zers make up about 20% of the US population, and they’re growing up. The digitally native generation has unique shopping habits after going through the pandemic during their formative years. From TikTok to the creator economy to payments trends, here’s how our analysts predict Gen Z will change shopping.

Apple’s long-teased buy now, pay later service is finally here, but what can it bring to an already crowded table? Our analysts unpack who may use Apple Pay Later and evaluate five of its prerelease features to see how they stack up to consumer demand.

It partnered with OpenAI on a ChatGPT plugin to offer users personalized shopping recommendations.

This year, the payments industry will face its first major test following pandemic-driven digitization as economic uncertainty pressures customer habits. This is the data you need to understand the major changes facing the payments ecosystem in 2023—and how to navigate them.

On today's episode, we explore the evolution of the payments ecosystem and discuss the trends to look out for in 2023. In our “Headlines” segment, we discuss (among other things) buy now, pay later; credit card fees; and crypto. In “Story by Numbers,” we examine payments at retail stores. And in “For Argument’s Sake,” we debate whether interest rate scrutiny by regulators will impact credit card rewards programs. Tune in to the lively conversation between our host Rob Rubin and analysts David Morris and Jaime Toplin.

In-store shopping remains the largest US retail channel by both share and dollars. Growth overall will decelerate as economic worries lead consumers to pull back on spending.

Canada is behind other Western economies in digital payments adoption, but new technologies are finding footing against cards. Diving into usage among different demographic groups foretells how adoption will progress.

Buy now, pay later (BNPL) has thrived because it combines the flexibility of credit with short repayment terms, app-based shopping, and a simple user experience.

The cohort experiences life through social media and mobile devices. Banks must adapt to win their dollars.

Consumer device and behavior trends are affecting payment providers’ strategies across retail, P2P, B2B, disbursement, and cross-border channels. Here’s what that means for the payments ecosystem.

Digital payment methods continue to displace cash and checks in the US payments ecosystem. But after a pandemic-driven crest, growth is moderating amid economic uncertainty, resetting the stakes for share of wallet.

As Gen Zers’ buying power grows, retailers need to understand the best ways to connect and engage with them, whether that’s through leaning into product discovery or creating a more seamless payment process. We take a look at some of Gen Z’s shopping habits and what they mean for retailers.

The UK is a digital payments leader, though traditional payments provide a backbone. Payment method preferences among different demographic groups are determining the winners and losers.

After touting a recession-proof business model, the BNPL firm slashed 19% of its workforce and will restructure to the tune of $39M.

Partnering with StepChange will help support struggling customers, but it raises questions around the harm BNPL can cause.

Despite delays, Apple can benefit from its extensive user base and merchant acceptance to build BNPL success.

Ingenico and Splitit are focused on cutting customer friction to grow their in-store BNPL presence.

Emirati paytech Tabby secured $58M in a sign of investor confidence in the region’s BNPL market potential.

After experiencing a surge in growth in 2021, US retail sales growth began to slow last year, a pattern which will continue into 2023. According to our forecast, sales will rise by less than 3% this year, reaching over $7.3 trillion.

From tumbling valuations to the arrival of Big Tech firms, we run down the biggest BNPL developments of 2022.