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D) Affirm. With $21.99 billion in BNPL payment value, according to our July 2023 forecast, Klarna would be the largest BNPL provider to integrate with Apple Pay. June 18, 2024. Banking big: Which is the largest commercial US bank by consolidated assets? A) JPMorgan Chase. B) Bank of America. C) Goldman Sachs. D) Wells Fargo.

The rollout extends Klarna鈥檚 in-store push and bolsters Alipay鈥檚 global expansion efforts

鈥淎ffiliate, to my mind, is one of the most under-discussed and underappreciated spending areas in media and advertising,鈥� our analyst Max Willens said on a recent 蘑菇AV webinar. US affiliate marketing spend will reach $10.72 billion this year and drive $307.27 billion in ecommerce, per our forecast. Driving that spend is a persistently value-conscious consumer, a growing creator economy, and a pivot to publishers with first-party data. Here are five factors contributing to affiliate marketing鈥檚 success.

Apple鈥檚 AppTrackingTransparency has helped the company affirm its position in advertising. The policy has helped Apple assert itself as a privacy-complaint ad platform as Google deprecates cookies. Google is working with advertisers on providing cookie alternatives. Google is slowly losing share of search ad spend worldwide.

Cross-border sales are booming in Western Europe despite a slowdown in adoption. As China鈥檚 ecommerce giants eye European expansion, local retailers face a competitive threat鈥攁nd a substantial opportunity.

Many are willing to go into debt to get through the season. This could become a problem for payment providers

The reputational damage could make issuers wary of taking on the card as they look for a new partner

In today鈥檚 episode of The Banking & Payments Show podcast, we talk about who the BaaS compliance crackdown will hit the most, why Walmart and Amazon will pilot pay-by-bank at checkout in 2025, and how consumer privacy will change under a second Trump administration. Join the discussion with host and Head of Business Development, Rob Rubin, and Principal Analysts Tiffani Montez and David Morris.

The digitization of the store鈥攔etail鈥檚 next megatrend鈥攚ill transform the shopper鈥檚 path to purchase and industry economics for retailers and brands.

Acquirers, networks, and issuers each play distinct roles in the payments purchasing chain. But those roles are shifting as providers adapt to the rise of software and value-added services, increased payment method choice, and cloud-based innovation.

Dramatic shifts are in the works for 2024, as BaaS, social media players, genAI, and new digital wallets reshape the banking landscape. Our top trends explore what鈥檚 in store.

Growth in digital account openings for credit cards is slowing, thanks to tightening standards and changing generational behaviors. But issuers are utilizing new tools to keep it afloat.

This year will be a litmus test for trying new things. Payments incumbents that embrace change on their own terms will emerge stronger than before.

Sezzle and Klarna made progress toward long-term profitability in 2023鈥攚e look at how they鈥檙e using subscriptions to help make that happen

Proximity mobile payments are finally reaching a critical mass of users, fueling spending growth. While it will slow in the coming years, providers are capitalizing on growth by building multifunctional ecosystems that expand their captive audience and tighten relationships.

The company is trying to cut costs as it focuses on profitability ahead of going public

An aversion to risk and debt has narrowed down their choice of banking products and led them to adopt unconventional money-management tactics.

The cohort experiences life through social media and mobile devices. Banks must adapt to win their dollars.

After a challenging Q1, PayPal looks to be shifting its strategy to focus on high-growth areas. Business areas like Xoom might not fit.

This year, the payments industry will face its first major test following pandemic-driven digitization as economic uncertainty pressures customer habits. This is the data you need to understand the major changes facing the payments ecosystem in 2023鈥攁nd how to navigate them.

Nordstrom, Fiserv, and Insider Intelligence discussed the shift and how payment providers and retailers should think about it

These self-aware young customers know that their mental health drives their financial behavior. They need help making better saving and spending decisions.

Surging Cash App user growth helped drive a buoyant Q1 for Block despite recent short seller allegations.

On today鈥檚 podcast episode, we discuss which hotel guest behaviors do people think are most acceptable and unacceptable, the first ad on every media type, how American households look today compared to the 1960s, and more. Tune in to the discussion with Senior Director of Podcasts and host Marcus Johnson, Senior Analyst Blake Droesch, and Vice Presidents of Content Suzy Davidkhanian and Paul Verna.