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Recurring payments for Apple Cash can boost engagement and lure new users.

Steep discounts drove record Black Friday online sales: Ecommerce sales surged on the day after Thanksgiving, while brick-and-mortar sales grew just 1.1% YoY.

According to Piper Sandler鈥檚 45th semi-annual survey of US teen consumers, Gen Z spending was up 2% YoY to $2,419 annually. We dig into some of the key findings from the survey and offer our perspective, including why Ulta Beauty is proof the 鈥渓ipstick effect鈥� is in full swing and how Amazon can keep up with platforms like TikTok.

Holiday retail sales will grow 4.5% to reach $1.317 trillion this year, according to our forecast. Retailers who want to carve out a share of that spend will need strong promotional strategies and a seamless digital-physical experience. It鈥檚 also not a bad idea to have a plan ready for when the returns start rolling in.

A surprisingly strong start to the Cyber Five: Steep discounts drove record sales on Thanksgiving and Black Friday, as US consumers flocked to stores as well as ecommerce sites and apps over the holiday weekend.

US retail sales grew 7.6% over the holiday season: Consumers diversified their spending due to inflation and a desire to return to pre-pandemic activities such as eating out.

Klarna hailed AI鈥檚 potential, but it needs to consider how the tech can bring benefits that competitors can鈥檛 replicate.

Checkout might be the last step in the customer journey, but if there鈥檚 friction at a retailer鈥檚 point-of-sale鈥攍ong lines, frustrating self-checkout machines, or a lack of payment options, for example鈥攕hoppers might bail. Solutions like smart carts, mobile checkout, and biometrics could provide relief.

It鈥檚 official. The Cyber Five (the five-day period between Thanksgiving and Cyber Monday) have not lost their touch. Let鈥檚 dig into the data as retailers take a deep breath and ready themselves for what鈥檚 shaping up to be a pretty busy holiday season.

Gen Z is ready to spend this season. Millennials may be a bit cautious. YouTube is the place to go if brands want to get on Gen Alpha鈥檚 radar. And for older consumers, trust is the key to getting them to spend. Here鈥檚 how retailers can appeal to each generation as the holiday season readies for Cyber Five.

Record-high debt and record-high card interest rates are leading to missed payments

Consumer device and behavior trends are affecting payment providers鈥� strategies across retail, P2P, B2B, disbursement, and cross-border channels. Here鈥檚 what that means for the payments ecosystem.

On today's podcast episode, we discuss the main factors that will impact this year's holiday sales, why shopping in-stores will be more of a priority, and how last year's mobile commerce tipping point trend will continue. Listen to the conversation with our analyst Sara Lebow as she hosts analysts Sky Canaves and Zak Stambor.

Most shoppers plan to reduce holiday spending this year: Cost concerns are driving consumers to start their holiday shopping early and look for deals.

The partnership opens up the provider to a massive merchant network, which can help it add users and grow volume.

Payment service providers competing to serve small and medium-sized businesses have a new opportunity to win them over with cutting-edge payment, cash flow, capital, and marketing tools.

As Gen Zers鈥� buying power grows, retailers need to understand the best ways to connect and engage with them, whether that鈥檚 through leaning into product discovery or creating a more seamless payment process. We take a look at some of Gen Z鈥檚 shopping habits and what they mean for retailers.

But now they're building Afterpay, which is by now pay later technology into their platform, too after they acquired the company. So now you can search Afterpay merchants and check out using BNPL in Cash app. Sara Lebow:. It's interesting, I don't think of myself as a pioneer of mobile wallet use, but I use three out of the four systems that you just mentioned. Jaime Toplin:. Yeah.

Young consumers want faster, easier access to funds than traditional lending options currently offer.

The 2022 holiday season鈥檚 solid retail sales gains were mostly attributable to inflation, but they nevertheless paint a cautiously optimistic picture for the 2023 holiday season.

On today's podcast episode, we discuss the places throughout the purchase funnel where retailers and brands are leaving revenue on the table. Listen to the conversation with our analyst Sara Lebow as she hosts director of Briefings Jeremy Goldman and analyst Sarah Marzano.

The big tech is diving deeper into payments to tap new revenue streams.

The $11 trillion US payment card network is developing new strategies to turn threats from fintechs, homegrown networks, and rising regulatory scrutiny into growth opportunities.