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Paying by smartphone is now routine for a growing number of consumers, both in stores and online. Recent data shows the size of the user base, shifting demographics, shopper preferences, and how mobile fits into the spectrum of payment options.鈥�

The news: Rewards app Fetch and measurement platform Kochava teamed up to offer loyalty rewards to streaming users, per Marketing Brew. Loyalty+ users can earn points from streaming movies or series, watching specific episodes, or downloading streaming apps. Video on demand (SVOD) services can offer incentives based on their chosen KPIs. Our take: Little treats from big streamers can add up and boost loyalty, provided the incentives are worthwhile and requirements aren鈥檛 burdensome. Watching TV for several hours for a fraction of a Starbucks drink, for example, won鈥檛 likely improve platform stickiness.

The insight: Younger consumers are opting out of human interaction when they shop. Our take: While younger consumers tend to adopt new behaviors faster, they鈥檙e also driving the direction of retail innovation. Retailers looking to stay competitive should prioritize the tech-driven, convenience-first features these shoppers now see as table stakes.

Based solely on brand trust, more Gen Zers would be likely to buy financial products and services from PayPal, Apple, and Amazon than from another traditional bank/credit union. Incumbents鈥� digital-only offshoots can鈥檛 compete with Gen Zers鈥� trust in Big Tech and retail giants.

License to drive: Several companies have bailed on their own self-driving car plans in the last few years, including Apple, Ford, and Volkswagen. Uber hasn鈥檛 bailed, but it鈥檚 relying on its existing Tesla relationship and many Tesla drivers to stay in the game. Designing and deploying autonomous vehicles can be enormously expensive. Apple鈥檚 attempt cost the company billions of dollars, per NPR.

As it transitions to a for-profit model, OpenAI鈥檚 innovations and investments promise growth, but leadership turmoil and rising competition may challenge its dominance.

Then the number of streaming services commissioning original shows grew from Netflix and Hulu to include Apple TV+, Disney+, and even free services like The Roku Channel and Tubi. Now there aren鈥檛 any new major streaming services on the horizon. In fact, some streaming services could merge, which would reduce the number of options studios have to sell their content.

Big Tech (Amazon, Apple, Google, and Meta) is on track to double its share of digital advertising from 30.8% at the beginning of our forecast period in 2008 to 66.8% next year, per our forecast. As a result, a number of antitrust lawsuits from the US and abroad have been filed. At the same time, regulators are working to protect children on digital platforms.

The news: Sam Altman is starting an AI device company with Jony Ive, the former chief design officer at Apple. Ive and Altman, the CEO of OpenAI, want the device to have a computing experience that鈥檚 鈥渓ess socially disruptive鈥� than the iPhone.

(Apple was the number one brand overall). Tesla, the electric vehicle maker, had a 9% drop in brand value. Its Q3 earnings on Wednesday exceeded expectations on a per share basis, but revenue missed slightly at $25.18 billion. Kia, Hyundai, and Toyota achieved double-digit gains in the Interbrands ranking; Ferrari also recorded a significant boost in brand value.

Apple鈥檚 AppTrackingTransparency initiative removed the ability to track app data on Apple devices, and Google is expected to finally fully deprecate cookies in Chrome by the end of this year. The next stage of programmatic development will focus on the need to reinvent targeting and measurement. Canada is among a handful of countries that lead the way in embracing programmatic buying.

This year, streaming services will finally earn more than traditional TV in subscription revenues.

Ecommerce growth accelerated during the 2023 holiday season as US consumers shifted more of their shopping to mobile devices.

The Weekend Edition includes a dedicated section on the website, two new newsletters, and a narrated audio playlist available through the Bloomberg app and Apple Podcasts. According to Bloomberg, this expansion aims to reach 1 million subscribers by mid-2025; it currently has 740,000, up from 590,000 this past July.

In 2024 alone, Apple, NatWest, Zilch, Laybuy, ZestMoney, and Openpay shut down or reduced their BNPL operations. Despite slowing growth, BNPL remains an important segment. Almost 4 in 10 US digital buyers will use it at checkout this year, and the figure will jump to nearly half among Gen Z and millennial digital buyers. And many consumers are leaning on BNPL as a credit card alternative.

And I would want to look at those sales figures too, over-the-counter supplements, wearable devices, whether it's things like Apple Watches, really trying to take more of control of their health, get some more of that information from these wearables, the technology we do have on hand. (24:35):.

In-store payments provide a new growth avenue for BNPL providers facing slower industrywide volume growth

Even so, issuers may be slow to lift preemptive APR increases as they brace for economic turbulence

Some of its Apple Intelligence generative AI (genAI) features aren鈥檛 expected until 2025.

With billions of iOS users, Apple could instantly claim significant market share. However, the end of default search contracts doesn鈥檛 guarantee Google鈥檚 decline. Its name is synonymous with internet search, and users could still opt to continue using its services as they have for decades. The DOJ filing accounts for this, adding that it may restrict the ability to give users an opt-out choice screen.

The campaign鈥檚 associated sweepstakes encourages users to pay more frequently with PayPal

A recent Apple report details its use of more than 10,000 processors designed by Google to develop AI models as it reshapes its business around enabling AI functionality. The partnership with Google could be temporary, given Apple is developing Project ACDC (Apple Chips Data Center) using Apple Silicon to own its server infrastructure and better control its AI pivot.

Small businesses may be eager to advertise alongside the company鈥檚 premium inventory of more than 9,000 publishers, including Apple News and Business Insider. Our take: The rapidly growing digital advertising industry could see an even greater influx of spending if small businesses bite at opportunities AI provides.