WunderKIND Ads announced an integration with Yahoo DSP Thursday that will unlock scalable access to Wunderkind’s connected TV (CTV) pause ad inventory through private marketplace (PMP) deals. Wunderkind’s and Yahoo DSP’s integration delivered a 12.6% lift in purchase intent for what the announcement refers to as a “leading luxury retailer”; an almost 10% lift in brand favorability; and a 28% more cost-effective CPC than the retailer’s holiday average. Those using Yahoo DSP can now take advantage of Wunderkind’s high-performing pause ads, unlocking scalable access to formats proven to lift purchase intent, strengthen brand perception, and drive more efficient results.

SoFi debuted the SoFi Smart Card, a charge card aimed at rewarding consumers in essential categories, per a press release. SoFi’s latest product meets the needs of everyday consumers while offering competitive cash back in a necessary category. Issuers should expand rewards on essential categories like groceries and gas to stop middle- and working-class cardholders from switching to neobank competitors—offering card products that assist with affordability.

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.

Yelp’s newest Most Loved Brands list identifies which national chains consumers returned to most in a year defined by cautious, value-sensitive spending. Unlike perception-based rankings, Yelp’s loyalty score draws from behavioral signals—repeat visits to brand pages, review volume, sentiment, and photo activity—revealing what people actually do, not just what they say. Dave’s Hot Chicken leads the list on the strength of customizable experiences and overwhelmingly positive ratings, while legacy chains, nostalgia-driven brands, and Zillennial favorites succeed for distinct reasons. For marketers, the findings echo broader path-to-purchase trends: consumers increasingly depend on reviews, consistency, and social proof to validate where they spend.

e news: Multicultural consumers—a segment whose buying power has grown 345% over the last 20 years—now expect brands to prioritize representation in ads, per a Snapchat study. Brands must tailor ad strategies to appeal to multicultural consumers, but should understand that simple, one-off campaign inclusion won’t be enough to drive action.

Younger consumers are more likely than older generations to put off care or treatment due to cost, according to a September 2025 Pymnts survey. Younger consumers are generally healthier than older adults, which may make their medical needs feel less urgent. Provider organizations must show Gen Z why staying on top of their health matters—and that care doesn’t have to be expensive in many instances.

Cryptocurrency exchange Kraken announced the public launch of Kraken VIP, a service akin to a private crypto bank for investors with a $10 million average balance or $80 million in annual trading volume. Crypto is tapping the ultra-luxury market with benefits and exclusivity that have been the domain of private banks and high-end credit cards. This new frontier for crypto should incite traditional financial providers to evolve their UHNW offerings to meet rising experiential expectations.

As AI increasingly powers everything from holiday ads to product recommendations, retailers face a critical balancing act between efficiency and authenticity. "The question isn't if retailers will use AI, it's how they'll keep using it and maintain the human touch along the way," said host Suzy Davidkhanian on a recent episode of “Behind the Numbers.”

Block plans to offer savings and investing products for children 6 to 12 alongside savings tools for parents of even younger children. It introduced a banking product in 2021 for teens. And this fall it announced a high-yield savings product for the same demographic. Chase and Capital One offer products for kids, but banks overall do not. Young consumers are smartphone- and app-native and see any interaction with a bank in that context. The hook for a financial services company is now an experience—not a product.

Block will pilot a real-time credit scoring model called Cash App Score, per a press release. Users’ Cash App Scores are based on financial behaviors within the Cash App ecosystem: deposit frequency, spending habits, savings activity, and repayment history, and other metrics. Cash App’s micro loans have acted as a proof of concept for its proprietary underwriting model, which it now likely wants to expand into larger-value (and more lucrative) lending. Giving consumers a visible—and highly manipulable—score can boost loan value and overall engagement.

Chubb has introduced AI-driven analytics and product matching features within its Chubb Studio platform, which lets partners embed Chubb insurance in their digital experiences. It’s another move that reinforces the incumbent insurer’s position as a key player in the space. Traditional sales channels will inevitably decline as Gen Zers and young millennials become a larger share of insurance buyers. Insurers need to rethink their distribution strategy and technology infrastructure or risk losing access to digitally native customers who expect seamless, integrated purchasing experiences.

Cash App will offer Afterpay on the Cash App Card powered by a new Visa Debit Flex Card, per a press release. Expanding BNPL offerings helps encourage spending from consumers who can’t access a credit card under tightening underwriting conditions. While the Cash App card is already geared toward underserved and underbanked consumers, rewards or features for young parents could help capture their hunger for credit: Two-thirds of caregivers hold three or more BNPL loans at once, per a Lending Tree survey.

Bank of America (BofA) recently introduced 401(k) Pay for plan sponsors and participants. It handles recordkeeping, flexible deposit options, retirement income planning, and financial advice. retirement custodians have a particular opportunity to cater to Gen Zers, who often job hop, causing their retirement accounts to multiply. They also increasingly live frugally and save and invest aggressively. To attract Gen Zers, plan custodians should distribute both traditional and nontraditional savings and investment products and offer tools like automated investing and financial education.

In earnings calls from retail leaders, one of the biggest shared signals is that AI shopping assistants are becoming the new front door of the customer journey. Whether the retailer is in grocery, fashion, or general merchandise, conversational search is now the organizing principle for discovery.

US proximity mobile payment spending is growing faster than its user base as tapping phones to pay becomes an ingrained habit. Leading wallets must now focus on maximizing usage.

Video consumption behaviors are shifting across generations, according to a Deloitte study. Over one-third (35%) of overall consumers spend more time watching video on social media than streaming platforms. For cohorts like Gen Z, that figure is even greater: 58% of their time with video is spent on social media. Advertisers must adjust their definition of “TV” to account for different preferences for digital video consumption and adapt budgets accordingly.

Microsoft is turning to lifestyle creators to make Copilot a cultural player, not just a productivity tool. TikTok stars like Alix Earle, Brigette and Danielle Pheloung, and Brandon Edelman are showing Copilot in real-life contexts—beauty, fashion, and self-improvement—garnering millions of views and repositioning the AI assistant for Gen Z and women users. Consumer CMO Yusuf Mehdi calls Microsoft a “challenger brand” in AI assistants, with 150 million users compared with ChatGPT’s 800 million weekly. The influencer pivot signals a shift toward utility-driven marketing—content that demonstrates value in everyday life rather than selling aspiration.

Healthcare and pharma social media ad spending will surpass linear TV this year, growing 18.1% year over year to reach almost $6 billion. Meanwhile, the industry’s linear TV spend will decline 11% to $5.56 billion. These shifts in spending align with the fact that social media is an increasingly important source of health information, especially for younger people and healthcare professionals.

Only 30% of Gen Z adults plan to travel for the holidays in 2025, down from 44% in 2024, according to an October report from Bankrate and YouGov.