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OpenAI supports an ecosystem of applications. As generative AI engines continue to develop, they will become even more important platforms for specific applications鈥攁kin to how mobile operating systems power app stores. OpenAI models power a big chunk of the ecosystem. Many applications tap OpenAI models directly through APIs or indirectly through Azure鈥檚 OpenAI Services.

Sub OTT video service users are individuals of any age who, at least once per month, watch video via any app or website that provides paid subscription access to streaming video content over the internet and bypasses traditional distribution. Examples include Amazon Prime Video, Disney+, HBO Max, Hulu, Netflix, and YouTube Premium.

For instance, a traditional ad for the bank read: 鈥淎ccess cash from the equity in your home.鈥� The AI-generated version, which performed better, read: 鈥淚t鈥檚 true鈥擸ou can unlock cash from the equity in your home.鈥�. Increase engagement. GenAI can help buyers make better-informed decisions, increasing engagement and moving buyers closer to a purchase. Customer facing:.

Cash is hanging on across age groups. The opportunity: Cash still plays a key role, contributing 6.9% of retail and food service payment value in 2023. It comprised 22% of volume at the point-of-sale (POS) as of 2021 and is a popular option for low-value transactions. The shift: While fewer merchants than ever are cash-only, consumers aren鈥檛 ready to give it up.

All three were boosted in 2020, as the pandemic-driven shift to contactless payments drove down cash usage by 35%. The demographics: Cash is a lifeline for the unbanked and is still in most people鈥檚 pockets. For the 2% of UK consumers without bank accounts, per Financial Lives鈥� 2020 survey, cash could be the only payment option available.

And I think another example of something that goes beyond a marketing campaign that focuses on budgeting is Truist's Long Game app. I think it launched a month ago, and it's an app that gamifies financial wellness. Rob Rubin:. Oh, that's fun. Yeah, that's smart. Eleni Digalaki:. Yeah. So you play Candy Crush-like games and win rewards and things.

Uber may finally have finished burning through cash. Delivering its first full year of positive free cash flow in 2022, and its first full year of operating profit in 2023, points out Dan Gallagher of the Journal. Competitor Lyft delivered its best financial quarter in its history saying it expects to be cash flow positive in 2024.

Cash flow. Businesses always want fast access to funds, but it鈥檚 critical amid economic turmoil. Technology that makes fast payments simpler and cheaper will drive innovation in 2023.

Cash-strapped consumers are paring down their beauty routines. Rather than opting for cheaper products, they are taking a quality over quantity approach. UK consumers are more likely to buy fewer items than switch to less expensive brands or private labels, per an October 2022 survey by McKinsey & Company. They have already begun cutting extra steps in their makeup routines.

Campaigners claim the process is causing problems for people who want to pay in cash and for those who have physical challenges. Self-service tills are also vulnerable to theft. One in 25 UK adults admit to having stolen items at supermarket self-checkouts, per a March 2023 survey by Opinium for ZIPZERO.

And debt-laden credit card users may opt for cash-based payment methods such as debit cards and cash. Issuers could suffer from swipe-fee legislation PR fallout. Continued debate risks increased consumer awareness about swipe fees and merchant arguments against them. This could tarnish consumers鈥� love of card rewards and benefits, reducing their credit card usage.

A super app which would combine payments, social, some sort of chat element, you think Apple is going to introduce a new app with this? Sky Canaves:. They might find ways to integrate more stores, more brands, more shopping features into their app, more discovery features are a big part of it.

Sellers鈥� desire to refresh wardrobes and make extra cash are driving factors for this trend, per BCG. Buyers and sellers exhibit different preferences when it comes to resale models. Nearly 60% of sellers preferred more direct peer-to-peer (P2P) resale channels, per an April 2022 Morning Consult survey, and only 11% would opt for consignment.

And I think as consumers get into tighter positions and their credit becomes tighter, they're more likely to be using debit and cash. David Morris:. That there could be a switch to debit and cash and those that are using credit cards and doing so in an increasingly and healthy manner, you're going to increase risk.

In keeping with debit鈥檚 popularity across US consumers, Gen Zers broadly reach for it over credit and cash. Debit spending will reach $3.207 trillion this year, per our forecast. Gen Zers are contributing to that total as they gain spending power: 85.4% owned a debit card as of 2021, nearly matching adult ownership overall (87.0%), per the Fed.

And then other things like not letting folks build applications for political campaigning and lobbying amongst some other things. What do you make of OpenAI's election safeguards? Yory Wurmser:. First of all, they're incredibly important. You already saw it a week ago or so with the fake robocall using Biden's voice in New Hampshire.

In turn, Amazon developers can use Claude 2 to create new applications for its customers and enhance existing ones. As part of the deal, Amazon gets a minority ownership of the company and will incorporate Anthropic's technology in various products that it has across its business, including Amazon's Bedrock service for building AI applications. That's what's going on.

Extra cash? Blake Droesch (07:44):. ... extra cash and you need-. Sara Lebow (07:44):. I was so sad about that. Blake Droesch (07:46):. ... collect some change, you go to the Coinstar. And actually I remember too, that was something that I would do as a kid.

Crucially, that includes advertisers too: In July, Musk said on his platform that X is cash flow negative, following a nearly 50% drop in ad revenues. Inventory priced to move. Musk and X CEO Linda Yaccarino are doing what they can to turn this trend around: dropping prices.

So if they do go out somewhere, they need to have a phone for emergencies or in case they need to get in contact with their kids or whatever, they can take that phone out with them as opposed to the device that has maps they won't need, the Uber Eats app they won't need, the TikTok app they won't need, the emails they're getting from work that they won't need to get in that moment.

For instance, a traditional human generated ad for the bank read, access cash from the equity in your home. The AI generated version which didn't have the subjectiveness of the marketer read, it's true, you can unlock cash from the equity in your home and it performed better. Marcus Johnson:.

Google was recently found to have violated antitrust law by illegally maintaining a search monopoly in large part because it paid device makers, like Apple, billions of dollars to be the default search app. Discussions over how to fix those violations are underway.

App-azon. Marcus Johnson:. Amazon, okay. Ross Benes:. No, App-azon. It doesn't exist now. 2026-. Marcus Johnson:. Oh, App-azon. Oh, okay, I see what you've done. Ross Benes:. Yeah. Marcus Johnson:. Good God. Okay. Max, we've not... Yeah, I thought OpenAI, I thought ChatGPT rules the world was going to be at least one of these.

Consumers want controlling connectivity in the apps they use while expecting personalized customer experiences. This is driving advancements in open finance, allowing customers to securely manage personal data and money matters on their own terms.

The X app is supposed to be. And if you look outside of the US borders, in particular in Asia, China particularly, those types of super apps exist and they have huge customer adoption. Tons of users. They provide an amazing amount of utility to the people who use them. And really, in the US there is no equivalent app that does as many things as some of those apps do in different parts of the world.