Consumers’ growing willingness to get their financial services from non-FI providers is spurring consumer brands to embed financial elements in their products and services. But this new form of finance will mean dramatic changes for incumbent and startup FIs.

Food and beverage, personal care and auto parts products have traditionally lagged behind in ecommerce, but when you look more closely, it’s easy to see significant growth potential.

Canada’s AI scene is hot and centers around a few key cities that are home to universities, startups and large enterprises determined to change digital marketing for the better.

Social media usage—both for personal and business use—is so widespread that occasional social implosions are relatively commonplace. How widespread? eMarketer estimates that roughly nine out of 10 companies use social networks as a marketing tool, and that level of involvement has been steady for years.