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Because part of also the data from retail media is that you understand people's who they are because you know where they're living, who they're banking with, at least their credit cards, a lot of information about them, their preferences. So the granularity of the data you have makes lookalike modeling and making sure that you're targeting the right person.

Users will have to link a debit card, not a credit card, as their loan repayment method. But Suzy, Apple rolling out its buy now, pay later plan. What's the point? Suzy Davidkhanian:. I think Apple is trying to... It's doing so well with the wallet and many people are using it, and so I think it's trying to figure out what is that next iteration.

And for that reason, I think just it's a lot of people putting it on their parents' credit card. Marcus Johnson (12:03):. Part of the problem, and I'll dig into the demographics here for a second, but part of the problem for Snapchat is users, as a share of all social network users, is falling according to our forecast. So 80% of Gen Z social network users use Snapchat.

And she asked me things about Dad, why using a credit card versus cash, which is important I guess. So again, financial literacy fosters a sense of responsibility and confidence When young people understand how to manage their finances, they're better equipped to handle life's financial challenges. Rob Rubin (13:47):.

That's the fees that you pay with your credit card when you sign up for Netflix or Hulu or Disney Plus or whatever. And about one third is advertising. And that's all ads coming into streaming, not just the subscription stuff, but also YouTube and Tuby and. Marcus Johnson (15:08):. Roku. Okay. Is that shifting over the next couple of years, that ratio? Ross Benes (15:12):.

So Target next month plans to launch a new membership service Target Circle 360, which for Target Circle credit card holders will be about half the price of Walmart plus and Walmart plus also obviously competes with Amazon Prime, which Amazon has long claimed is the best value in the history of shopping.

It was just a matter of making sure that the right credit card and address were selected. Carina Perkins:. Yeah. And I think that's another thing, we're using our mobiles for so much more than just phone calls. Now, we're using them for social media. That's driving some impulse buying. You tend to browse on your mobile and so that's also driving some sales.

So for example, let's say I ask ChatGPT, "What's the best travel credit card?" And it knows based on my past searches that maybe I am somebody who earns over a certain income threshold, but maybe I have a lot of debt and maybe I have lots of expenses. And so it decides that the thing that I'm most likely to click on or most likely to buy is one thing.