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Why Klarna is making an omnichannel push ahead of the holidays. Pinterest鈥檚 director of strategy on how consumers use its platform to discover and buy products. How Walmart, Trader Joe鈥檚, and Target boost holiday impulse purchases. Note: Data was provided to Insider Intelligence | eMarketer by Bizrate Insights.

The bottom line: Q4 2022 spending at Amex and Discover couldn鈥檛 compete with 2021鈥檚 post-pandemic volume boom despite boasting strong travel and holiday spending. Looking ahead, both firms are keeping an eye on where the economy is headed. Discover began tightening lending standards last year, and it鈥檚 prepared to make additional adjustments, Hochschild said.

Issuers also benefited from strong holiday spending throughout Q4. US holiday retail and ecommerce sales reached $1.297 trillion last year, according to Insider Intelligence forecasts. Looking ahead: Economic headwinds coupled with an elevated reliance on credit cards among consumers may increase the risk of missed payments and delinquencies.

Point of no return: A majority (88%) of retailers will make their return policies stricter ahead of the holidays, per Salesforce. But this is a risky move. Retailers with return windows of 30 days or less will see 7% fewer online sales in October and November, as forecast by Salesforce.

They simply need to ask for the recipient鈥檚 Pix alias, or scan a static or dynamic QR code, to initiate a transfer at any time of day or night鈥攊ncluding bank holidays. Once confirmed, the funds are deposited into the beneficiary鈥檚 account within a matter of seconds.

Walmart鈥檚 ad business fuels operating income growth: Retail media revenues jumped 29% driven by marketplace expansion.

What this means: Credit card balances and delinquencies typically fall in Q1 as spending winds down after the holidays. Delinquency growth is slowing鈥擩PMorgan and Wells Fargo鈥檚 rates rose the least in nearly a year. This piecemeal progress suggests that the credit card recovery is going to take a long longer than we previously expected.

Our analyst Andrew Lipsman breaks down who鈥檚 ahead of the gift-giving game and why they鈥檙e destined for a jolly holiday. 1. Amazon. 鈥淲e expect that Amazon is going to have the first-ever $100 billion holiday season,鈥� said Lipsman during a recent Meet the Analyst Webinar.

It鈥檚 a trend that aligns with their comments over the holidays鈥攎any Gen Zers said they couldn鈥檛 afford to travel home, but the same portion said they鈥檇 never forgo a Taylor Swift concert to help clear their debt. Many prioritize fun over saving for the future, which confirms they feel they need to burn off steam and may not be aware of how to tackle their financial priorities.

When Best Buy and digital marketing agency PMG teamed up to drive sales of a client鈥檚 holiday-themed pajamas, the agency created an in-store video campaign, which played via TV and PC monitor walls at Best Buy locations close to retail stores carrying the pajamas.

This feature should help maintain a continuous conversation with customers, offering timely updates such as back-in-stock alerts and holiday discounts. The integration with Ads Manager allows businesses to use AI-driven recommendations to pinpoint the right subset of recipients.

We forecast that total US holiday retail and ecommerce sales this year will top $1.372 trillion. Integrating online and offline retail channels remains a key priority for maximizing the customer experience. While progress has been made in marrying digital and physical retail channels, true omnichannel integration is still a work in progress, Chernofsky said.

罢颈办罢辞办鈥檚 holiday promotions will give livestream sales a boost. Offering deep discounts and other incentives is a tried-and-true route to acquiring both customers and sellers in China, where 罢颈办罢辞办鈥檚 counterpart Douyin now stands as the fourth-largest ecommerce player.

Walmart links holiday-centric rom-coms and social commerce in its new shoppable series. A closer look at YouTube鈥檚 ad rates. The shifts that will impact 2024鈥檚 video ad landscape. Retail media dealmaking (and Prime Video鈥檚 introduction of ads) has reshaped our CTV expectations.

Nearly seven in 10 (69% of) shoppers said price is the top factor influencing their purchasing decisions during the holidays, outpacing quality (56%) and convenience (41%). Four out of five (80% of) consumers said price would drive them to try a new brand or store and 59% said better prices would motivate them to shop at an unplanned location.

顿别濒辞颈迟迟别鈥檚 holiday survey found that nearly a third of consumers planned to buy secondhand gifts in 2022 across a broad set of popular categories, including toys and electronics. In First Insight鈥檚 November 2022 poll, an even larger share of respondents (42%) said they planned to purchase used or secondhand holiday gifts.

How consumer spending is changing: The average US consumer expects to spend $192.80 on the holiday, a 9.9% increase from $175.41 last year, and the second highest figure since NRF and Prosper started tracking Valentine鈥檚 Day spending in 2004. Roughly $14 of the $17 increase in per-person spending will stem from shoppers buying gifts for pets, friends and co-workers, along with classmates or teachers.

The dynamic: Houthi attacks on cargo ships have cut shipping capacity by as much as 20% and are forcing companies to take longer routes, adding time and cost at a crucial point for retailers as they try to map out their holiday inventory. The decrease in traffic is creating logjams at ports in Singapore, Malaysia, South Korea, and China, as well as in Spain and elsewhere in Europe.

This growth is partially driven by Nordstrom鈥檚 expansion of Rack stores, opening 11 new locations year-to-date with 12 more planned ahead of the holidays. However, the brand鈥檚 digital presence is also driving growth, as digital sales grew by 6.2% in Q2, the fifth consecutive quarter of sequential improvement for the retailer. 鈥淭he digital piece -- it is a point of differentiation,鈥� said CEO Erik B.

While the winter holidays often get all the attention, summertime can also be fruitful for CTV advertisers. The season鈥檚 midyear position offers advertisers opportunities to close out H1 2024 strong, while preparing them to tackle H2 2024 head on. We found that industries with a tie-in to the season鈥攖hink apparel, home and garden, and recreation鈥攕aw notable year-over-year growth.

Macy鈥檚 CEO Jeff Gennette noted that the company saw a steeper-than-usual dropoff in spending during holiday lull periods, when consumers usually shop for themselves, a further sign that shoppers are reining in their spending. Looking ahead: P&G and Unilever are betting that their brand name products are sticky enough to keep shoppers from switching to cheaper alternatives.

Keeping business information, like holiday store hours, consistent across all platforms is important for search results. Yext found that businesses with complete and uniform listings across platforms like Yelp and Facebook, as well as lesser-known sites like HotFrog, performed better on Google, with 82% more clicks from search.

The solution: Whether brands are turning to marketplaces for exposure, fulfillment support, or a boost during the holidays, it鈥檚 important to define these objectives. From there, brands can make informed decisions on their marketplace strategy, including product distribution (for example, making only top-selling items available to capture consumers鈥� attention).

To learn more about how Google helps reach shoppers in valuable moments of discovery and capture new performance opportunities as they emerge in real-time to scale your retail media growth, check out Think with Google and tune into Think Retail on August 29 to build your holiday blueprint. 鈥擲hawn McGahee, Head of Retail Media, Google.

Holiday Haunt.鈥�. 鈥淐oyote vs. Acme,鈥� starring Lana Condor and John Cena, concluded shooting in 2022 with a $70 million budget. Director Dave Green expressed his disappointment over WBD鈥檚 decision on social media; in wake of the backlash, WBD reversed course and said it would let Green shop the movie to other potential buyers.