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Germany-based N26鈥攐ne of Europe鈥檚 largest neobanks鈥攃eased operations in Brazil in 2023, just two years after entering. Facing strong local competition, regulatory hurdles, and a strategic pivot back to Europe, the nearly 250,000 customers it amassed weren鈥檛 enough to compete with local powerhouses like Nubank, which has over 100 million users in Brazil alone.

Most of the growth is tied to ever-rising retail ecommerce. Retail media鈥檚 valuable first-party data is now being used for ads targeted in-store and in nonendemic channels like CTV. Google, Meta, and Amazon still dominate the ad spending landscape. The triopoly鈥檚 share in Canada is among the highest in the world.

The pilot will comprise a digital wallet and instant payments system using open banking in Germany and France before rolling out to other European countries. EPI also intends on adding buy now, pay later (BNPL) financing and digital identity features.

The trend: Younger generations continue to prioritize wellness more than older consumers and are purchasing products across a range of health and well-being categories, according to McKinsey鈥檚 recently published Future of Wellness survey of more than 9,000 consumers across China, Germany, the US, and the UK.

Wero is also live in Germany and France. It will launch in the Netherlands and Luxembourg soon. Why it matters: EPI is a coalition of major European banks, credit institutions, and other payments firms developing a unified, real-time payments system throughout Europe to challenge US-based players like Visa, Mastercard, and PayPal.

Retail ecommerce has entered a new era of slow and steady growth in most countries. This status quo replaces the previous era of spectacular growth and jarring declines.

The survey was conducted in July 2024 across nearly 6,000 respondents from the US, Canada, India, Brazil, Mexico, the UK, France, Italy, Germany, Spain, Australia, and Japan. Coupons over email: Other studies largely support the GetApp findings.

Methodology: Data is from a February 2023 Metapack report titled "Ecommerce Delivery Benchmark." 8,000+ adults ages 18+ in Australia, Canada, France, Germany, Italy, Spain, the UK, and the US were surveyed by Retail Economics during November 2022.

It is Germany. Oscar Orozco:. Germany. Ethan Cramer-Flood:. In Germany, the average per capita spending is $1,100 per person. Marcus Johnson:. Holy what? Oscar Orozco:. What? Ethan Cramer-Flood:. And our colleague just went to Germany to go to the famous Christmas markets. They're really into it. Marcus Johnson:. How interesting. Ethan Cramer-Flood:.

Pre-tests conducted by System1 found that 鈥淕o Wild鈥� ranked in the top 5% of the most impactful sales-driven ads; in the top 1% for long-term ratings in the US, Germany, and China; and in the top 25% of the most successful ads in additional markets, per Marketing Dive. The research identified four key segments and five consumer targets.

Its in-house ad platform, Netflix Ads Suite, is now available in all ad-supported markets, including the US, UK, Japan, Brazil, and Germany. From cautious to confident: Netflix鈥檚 ad chief Amy Reinhard said the company is moving beyond its "crawl, walk, run" approach, signaling it now sees itself as a full-fledged adtech player.

The feature is available to customers in the US, Germany, Italy, and Spain and will launch in the UK soon. Why this can work: While extremely popular for checkout, PayPal wants consumers to spend more time in its app and use more of its products and services. To do this, it鈥檚 launched new features like PayPal Smart Receipts and Cash Pass.

It鈥檚 also notably higher than in more developed economies, like Germany, where social commerce has failed to gain much traction. Retailers are acting fast to seize the region鈥檚 social commerce opportunity. As Chinese ecommerce players make further inroads in Latin America, local companies are finding new ways to innovate and keep pace with consumers鈥� fast-evolving shopping habits.

In September, Amazon announced that Prime Video will have ads by default beginning in early 2024 in the US, UK, Germany, and Canada. The move could shake up the market. Amazon estimated that ads on Prime Video will reach more than 115 million US viewers per month, according to a pitch deck obtained by Insider.

Beauty is proving resilient to the cost-of-living crisis as shoppers splurge on premium products to boost their mood and skin health. But it won鈥檛 escape unscathed, with consumers already streamlining their beauty regimes and searching for bargains online.

They captured 32% of ecommerce payment value in 2021鈥攙ersus only 9% at the point-of-sale, per the 2022 FIS Global Payments Report. Mobile wallets鈥� share of ecommerce spend is expected to surpass 34.5% by 2025. The demographics: The youngest consumers are driving UK mobile wallet leadership.

Amazon looks to its B2B ecommerce division for growth: The retail giant sees significant opportunities to expand Amazon Business into new markets in Europe and elsewhere.

. 鈥� And an oink oink there: Scientists from universities in the Czech Republic, Denmark, France, Germany, Norway, and Switzerland are using AI to decode pig sounds. Farmers watch their pigs鈥� behavior to get an idea of their moods, but AI can help them decipher the animals鈥� actions, according to researcher Elodie Mandel-Briefer.

The survey was conducted in China, Germany, Saudi Arabia, the UK, and the US.

On today鈥檚 episode, host Bill Fisher is joined by our analysts Paul Briggs, Matteo Ceurvels, and Carina Perkins to examine what impact global economic turbulence is having on retail and ecommerce in different markets.

This year, TikTok will pull in 22 times the ad revenues of fellow fast-grower Mercado Libre($1.02 billion), but Latin America鈥檚 largest ecommerce retailer will rapidly ascend the advertising ranks in the coming years. Amazon will get a growth boost from its OTT video service.

Online sales are back in growth in the UK, but the fortunes of key ecommerce retailers have been mixed, with some suffering a greater blow from the cost-of-living crisis than others.