The rollout extends Klarna’s in-store push and bolsters Alipay’s global expansion efforts

GenAI could help marketers more easily generate creative, bringing a host of benefits and cost savings. To fully take advantage of the technology, advertisers should understand the key use cases of genAI for creative—and their potential downsides.

Digital ad spending in the payments industry is set to surge as consumers start to get through the financial headwinds of the past few years. We look at where payment providers should focus their ad spend to maximize returns.

There are, however, still many unknowns—like how interest-bearing loans will be treated

Is AI replacing jobs? Klarna says yes: The company plans to cut 1,800 more jobs after a year of aggressive cost-cutting.

Banks are experimenting with emerging technologies and business models to find new revenue streams. But stepping outside traditional banking molds introduces more business, reputational, and regulatory risk.

GenAI is potentially a game changer for personalization in retail. This report takes a closer look at some of the key use cases.

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.

Retailers are racing to implement genAI-powered virtual assistants capable of creating human-like responses and handling complex queries. But there are challenges to overcome.

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.

Klarna shows genAI's potential in transforming marketing: Tools enable efficiency and innovation but need ethical guidelines and human oversight.

Retail media is traditionally dominated by, well, retailers. But as access to customer insights becomes increasingly important for advertisers amid cookie deprecation and mounting privacy laws, other industries are hopping on retail media’s bandwagon.

In the last of five reports in our “Payments Ecosystem” collection, we look at what’s influencing retail sales growth across in-store, online, and social commerce channels—and what it means for payment providers.

Retail media has matured greatly since our 5 retail media networks (RMNs) worth watching. That evolution has come from growth in spend (we forecast US omnichannel retail media ad spend growth at 26.0% this year, with larger increases in off-site and connected TV), in-store innovations, and new entrants from other non-retailers.

BNPL is still a small retail payments player. While 73% of US consumers said they’d heard of BNPL in 2022, just 5.8% said they’d used it at least once over a 30-day period. US BNPL value will hit $80.77 billion in 2024, per our forecast—just 1.1% of total US retail sales.

Payment providers are tapping genAI to personalize marketing offers and virtual assistants while streamlining customer checkout. These tools could help providers monetize transaction data and help merchants drive sales.

Sezzle and Klarna made progress toward long-term profitability in 2023—we look at how they’re using subscriptions to help make that happen

The service may incentivize more shoppers to pay with the BNPL provider, and it may also bring Klarna key data benefits

The debit card gave Affirm a boost in active users and strong numbers, but to continue this pace of growth, Affirm may need to get creative