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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.

Buy now, pay later options integrated into the Amazon Pay button include Affirm鈥檚 solution鈥攑reviously available only via Amazon鈥檚 US checkout page鈥攁nd Citi Flex Pay, an installment plan for eligible Citi credit card holders. (Both are 2023 additions.) They are now among a trove of other payment choices that make it easier for customers to make purchases.

Last week, Apple made news for testing an AI-powered ad product similar to Google鈥檚 Performance Max. Apple has been successfully investing in advertising for the past few years. But Google has a multibillion dollar advertising advantage. Even with AI advertising improvements, Apple is nowhere near Google鈥檚 ad dominance.

Yeah, it feels like a huge opportunity for Klarna, which really just felt strictly like a buy now, pay later platform even a year ago. Now feels like a whole shopping interface. Carina Perkins:. Absolutely. Sara Lebow:. Okay. Can I have another example of how retail is using generative AI from you, Carina? Carina Perkins:. Sure. So I'm going to talk about a brand here, so Coco-Cola.

In our previous holiday episode in September, Jeremy and Zak told me they thought it would be a good season for buy now, pay later, which has rung true so far. With that prediction coming true, I'm excited to hear what four more predictions you both have for the 2023 holiday season. Jeremy and Zak will tell me what spice level to expect, and then they will share their prediction.

Buy now, pay later, changing Gen Z payment habits and preferences, how to win new customers, all developed and derived from a rigorous and proprietary methodology that you can count on. If you're not already, start leveraging Insider Intelligence research data and insights. To save time and get buy-in faster, visit www.insiderintelligence.com to learn more. Grace Broadbent:.