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The creator economy, plus CTV and commerce media more recently, have made affiliate marketing more visible among marketers.

Financial institutions are vying with nonbanks for customers in a sluggish lending market. Updating their marketing, lending, and product strategies can help attract and keep customers, slowing the outflow to nonbank lenders.

It could also be a big opportunity for other device-agnostic payments apps that don’t offer contactless payments—like BNPL firms Klarna and Affirm. That could help them finally break into in-store retail. Our take: On its own, Vipps isn’t going to take down Apple Pay’s preeminence.

The media model popularized by retailers is now being adapted by companies in other verticals. Financial services and travel companies are among those launching commerce media networks in a bid to monetize their first-party data.

But we expect other networks to refine their marketing strategies, including Affirm, Shopify, and Square. These fintechs already power payments industry growth. Personalized offers that help bind their customers to merchants will only strengthen their grip. This would boost payment processing, POS product sales, and embedded finance product uptake for their partners.

US retail and ecommerce sales will maintain stable growth over the next five years, with pockets of opportunity emerging from new digital consumers and mobile-first online shopping trends.

Amid shifting consumer priorities, competitive promotional activity, and an unusual calendar, brands and retailers must fine-tune their holiday 2024 marketing strategies to maximize sales during this critical period.

The tie-up brings Klarna to more merchants' checkout pages without the need for individual merchant partnerships, helping it save time and money and more quickly ramp up its payments volume

Trump's tariff policies fuel uncertainty: How brands and retailers can best prepare amid a perpetually shifting landscape.

Proximity mobile payments are on a growth tear, driven by strong spend per user. Here’s how providers are using wallet integration and new features to make proximity payments stickier.

Google Pay already has tie-ups with Affirm and Zip. Expanded virtual cards. Google Pay will now let Discover cardholders in the US set up and pay with a virtual card from their Chrome or Android device. This feature was already available to American Express, Capital One, and Citi cardholders. Added fraud protections.

Bain's survey affirms our updated retail health forecasts, which estimate that fewer US adults will visit a retail clinic each year through 2026. Health plan-owned primary care companies will capture a greater share of the market than all other nontraditional players. These entities are projected to make up around 20% of the overall primary care market in 2030, up from the 15% Bain predicted in 2022.

Google is expanding Google Pay's payment options by adding Afterpay to its existing buy now, pay later partners Affirm and Zip, with Klarna coming soon. Our take: Google is one of several notable companies turning to retail and ecommerce to boost engagement and deepen consumer connections.