蘑菇AV

In seven charts, this report tells the story of some of the most critical trends that digital leaders need to know about in 2024 and beyond.

This year, most buyer and sales growth will be driven by TikTok Shop, which will convert over 40% of TikTok users into buyers. Social commerce and retail media will converge as Amazon鈥檚 ad partnerships with the social platforms start to pack a punch.

It can help Google build brand loyalty among Gen Alpha and better compete with Apple Wallet

Consumer-facing tech in stores is rapidly evolving. Retailers must prioritize investments carefully to maintain already implemented tech鈥攁nd explore interesting (but largely untested) innovations.

After pulling news for a portion of EU users, Google saw barely any drop in engagement, which could fuel a shift toward AI summaries and fewer publisher links.

Banks are competing with digital wallet ecosystems for a growing mountain of mobile P2P payment volume. For Zelle, volume growth helps its bank partners beat back disintermediation threats by directly engaging P2P customers. For fintech competitors, P2P growth can translate to embedded finance revenues鈥攅ven among teens.

The partnership will help Affirm compete with rival Klarna, which already has a large European presence

Growing in new markets can offset potential losses from increasing POS competition

BNPL credit reporting has been hotly debated, but Affirm argues it will help consumers build credit

Tying up with DoorDash gives the BNPL provider a massive volume opportunity

Feature innovation transforming digital wallets into everyday commerce enablers. Paze putting open-loop digital wallet leaders on notice. FedNow taking a bite out of bill pay. Physical consumer credit cards starting to disappear. Credit cards responding to the BNPL subscription rewards threat. Here鈥檚 how we did:.

The service advances Block鈥檚 goal of 鈥渂anking our base鈥� and could drive Cash App adoption.

Partnering with a major BNPL player like Klarna could help Mastercard catch up to Visa鈥檚 head start

Its impressive growth gives Shopify a volume and cross-sell boost

The newly rebranded 鈥淐ash App Afterpay鈥� will help Block more tightly integrate its products into one ecosystem

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.