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On today's episode, we discuss why brands should be thinking more about community; Apple rolling out its buy now, pay later offering; consumers' shipping priorities; H&M's new resale program; what in-store retail robots can do; facts about US national parks; and more. Tune in to the discussion with our forecasting writer Ethan Cramer-Flood, vice president of content Suzy Davidkhanian, and analyst Blake Droesch.

American Express is expanding Amex Offers, which allows advertisers to serve card holders tailored deals. The expansion comes on the heels of Chase and PayPal launching financial media networks (FMNs), a trend we expect will continue.

Shoppable ads will be a focus for brands in 2025 as they test new formats offered by retail media networks and their media partners.

Fraud concerns aren’t slowing down the P2P player as its growth outpaces peers

Paywalls, contextual ads, and in-platform transactions could enhance Reddit’s profits without alienating its community-focused user base.

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.

The wallet has pushed to capture more payment volume from inbound travelers to China and Chinese travelers abroad

Through a tie-up with FIS, issuers can integrate Affirm's BNPL solution into their debit card programs

But the solution may struggle to gain traction given consumers’ unreadiness to adopt the technology

US P2P apps need to tap new uses and services to stay competitive, especially amid Zelle’s dominance. Here’s how each app sizes up and differentiates to attract younger generations.

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’s ad partnerships with the social platforms start to pack a punch.

A trade war with the US will hinder economic performance in Canada this year. Ad spending overall is expected to lose the momentum gained in 2024. But many digital formats will benefit from the emphasis on return on ad spending.

Almost everything you need is wrapped up in the Apple's digital wallet. Especially, from a payments perspective. As we said, they're not done growing and that's just one example. There's so many fintechs developing their own credit cards and savings accounts and everything that I think the options are going to be there to never establish a direct relationship. Rob Rubin:. Why do they need it?

Sezzle faces an uphill battle competing against larger players like Affirm and Klarna

They’re still using the payment method, but some are wary the plans lead to overspending

We look at how adjusted pricing, launching in new categories and markets, and growing its debit card made this possible

81% of US adult digital shoppers review return policies before making a first-time purchase, and 55% will abandon their cart if return policies aren’t convenient, per a Happy Returns report commissioned by PayPal.

Modern card issuers are turbocharging the issuer processor space by offering API-based, customizable card solutions for non-financial services companies. Mobile payment services, ecommerce marketplaces, and the gig economy are in their sights—along with $17.12 billion in issuer processing revenues.