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As the clock ticks on a required sale, regulatory risks could upend ad strategies and force brands to pivot.

Google Wallet, Apple Wallet, and PayPal have also all beefed up their fraud protection services this year. But as payment players invest more in these protections, fraudsters can't rely on their old tactics. That鈥檚 why they are instead relying on scams that involve consumer deception.

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

But with services like Apple Music and especially Spotify leading the space with a large (and growing) subscriber count, SiriusXM has had trouble staking a claim. The company spent big earlier this year on exclusive podcasts, signing 鈥淪martLess鈥� and 鈥淐all Her Daddy鈥� away from Amazon and Spotify, respectively, in a bid to bolster its offerings with popular shows and chip away at competitors鈥� leads.

Offering Apple Intelligence features on a subscription basis in the future could help Apple offset cloud computing and data costs. Holiday hopes: Delayed Apple Intelligence features brought down consumer interest in Apple鈥檚 iPhone 16, and production was cut by about 10 million units in October.

While hardware manufacturers and software providers like Apple and Adobe have centered AI in their advertising, OpenAI hasn鈥檛 yet prioritized a consumer-facing identity. Our take: If OpenAI has ambitions for a Super Bowl ad, it may have to wait until 2026, as ad space for the Big Game has sold out.

Apple is introducing Apple Intelligence to iPhones, iPads, and Macs and claims it will use on-device processing to protect privacy. However, the company has warned that the European rollout of the tech will be delayed by EU antitrust laws.

Apple donated computers to schools by the thousands in its early days, which familiarized users with its products from a young age. Although 70% of teens have used a generative AI (genAI) tool, per Common Sense Media, 51% think schools should limit use of genAI products like ChatGPT until safeguards and rules are set up.

New models from Apple and Samsung are geared for AI processing, opening the door for mobile SMLs to operate at high efficiency levels. Those increased processing abilities are also enabling more advanced mobile games, indicating an open door for highly-advanced phone apps and offerings.

Enough with apple pie. Jeremy Goldman (16:15):. Cherry all the way cherry and then apple. Marcus Johnson (16:18):. Rachel, help me out? Rachel Wolff (16:19):. I think banana cream pie has to be-. Marcus Johnson (16:21):. Cut that Lance, we can't have this here. Jeremy Goldman (16:24):. Pecan also. Okay, fine. Anyway, okay. So pie wise, listen. So focus. Marcus Johnson (16:33):. Sorry.

Some created controversy鈥攆or instance, Apple was quickly met with backlash across social platforms for its controversial 鈥淐rush!鈥� ad, which viewers perceived as an attack on artistic expression. Coca-Cola also came under fire for its heavy use of AI in holiday ads. But there were also memorable campaigns that brought brands closer to consumers.

PayPal鈥檚 sales and marketing spend, for example, has fallen YoY every quarter for the past year, but it just launched its biggest ad campaign yet to promote its debit card integrations with Apple. Click here to view our full forecast for US payments and money movement industry digital ad spend. Ongoing financial stress has squeezed payments ad spending this year.

Spotify is the preference for 23%, while Apple Podcasts falls at 13%. Efforts to boost reach: Spotify has invested about $1 billion in podcasting content, and incentivizing podcasters to add video content could help boost ROI.

In January 2024, Apple iOS had a 52.8% share of the UK market, while Android had a 46.7% share, per Statcounter. However, the balance is shifting: In March 2024, Android had a 50.2% share, while Apple iOS had a 49.3% share, suggesting Google Pay has room to grow. Apple has rolled out its Tap to Pay function on iPhones in the UK.

Anyone who has deep enough pockets to purchase Chrome is likely already facing antitrust scrutiny鈥擬eta, Microsoft, Apple, and Amazon are all in hot water with regulators. Selling to an AI company from the US could be a more acceptable option for regulators than a megadeal with another Big Tech player.

Amazon and Apple will not move the needle very much, and Pandora will lose listeners (3.3% decline) for the eighth year in a row. Read the full report, US Digital Audio Forecast Overview 2024.

It鈥檚 not just music platforms like Apple Music or YouTube Music with their own versions: Gaming platform Steam, grocery service Instacart, and many other apps across industries also roll out end-of-year personalized campaigns.

Gaetz, who sat on the House Judiciary antitrust committee, cross-examined Facebook, Apple, Amazon, and Google during a yearlong investigation into the power and influence of Big Tech in 2020. Ethical complications: Some Republican senators are pushing back on Gaetz鈥檚 nomination.

Many creators post podcasts to YouTube, meaning advertisers can reach their audiences by advertising specifically on YouTube, rather than on podcasts across other platforms like Spotify and Apple Music. Attribution can be difficult on podcasts, where listeners engaged in other activities like driving may not purchase directly from ads the way they might on social platforms like Instagram.