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They much rather try cutting efficiencies, making all the job cuts that we've been seeing, or even raising debt financing that wasn't so popular before then go to a VC. Rob Rubin:. Surely, the founders and the early investors, if they can avoid a down round, they're going to want to do that. Alex Sion:. Absolutely.

As the big streaming services are licensing out more content to eliminate debt, Tubi will become a good destination to watch really big shows like Westworld. I think in the long run though, it is too late for Fox to turn Tubi into a brand the size of even a Peacock and definitely not a Netflix or Disney or anything like that. I think the market's just too saturated.

I think they're not going to risk angering a vital voting segment in an election year that's already kind of disgruntled over a lack of student loan forgiveness, US involvement in foreign wars. They're not going to exacerbate that by taking away a popular social media platform.

Right, your mortgage payment. Maria Elm:. Yeah. Rob Rubin:. Like that kind of thing? Maria Elm:. Yeah. And again, this is something that I would strongly argue should be table stakes, and the fact that it's still listed as a feature in our report and that it's so highly valued by customers should be telling banks something. Rob Rubin:. Right. Lauren Ashcraft:.

Discovery will acquire Paramount because they already have so much debt. I don't think they want to take out even more leverage. But even if this was just a negotiating position, I think it shows that there is some interest at that level of an acquisition and bringing another major studio or streaming service into the fold of an existing large one. Marcus Johnson:. Very nice.

Also, make sure that consumers really understand what that product is and what that means for them by taking on a loan. Rob Rubin:. Sean, let's set our expectations higher because this is a place where I know that you play a lot. So what are the essential ingredients to making an embedded finance solution [inaudible 00:12:41]?

The challenge is they had difficulty getting kind of deeper relationships, getting into lending, into mortgage, into investments out of those locations. It was a little harder to get someone to sit down and talk to you about their kind of complex financial needs, but it was not so bad to open a checking account and have the convenience of whatever kind of cash services... Rob Rubin:.

I will mention though, there's something we don't talk about often, but come September all the student loan repayments are going to start again. Marcus Johnson:. Great point. Oscar Orozco:. Of course it's very possible that the situation might become a bit more dire. I'm curious to see what holiday travel will look like.

BNPL is taking market share away from credit cards or unsecured loans. It's not money that's materializing in an additive fashion. So when somebody's looking at the possibility of going for a BaaS market share, for me, the two questions that they need to answer for themselves is one, who am I cannibalizing? Is it me or is it someone else?

So we already know that First Citizens Bank has purchased the loans and deposits from SVB from the FDIC earlier in the month. But before that, we know that a lot of startups pulled their money out of SVB before the actual collapse occurred. A lot of them went to big banks.

Matt Sweeney says interest rate cuts have a significant impact on the ability of folks to borrow a home for home for car loan, et cetera, which impacts people's budgets and how marketers approach budget expectations for this year's upfront. So big economic questions could be one.

The student debts are back in." There's so many things happening that there's never going to be a good time. I don't know if they did it on purpose last week when it was grocery shop. I don't know if we're giving the Hive group a little bit too much credit, but their timing was great because it's all we talked about last week at the conference. Marcus Johnson:. Yeah.

It's a recession, so I'm going to stop spending," they're just going on about their day as they had before, and it'll catch up with them and then that's when it'll really tank and people will really stop to spend because they can't afford to pay back their loans. Marcus Johnson:. Zak, do you agree? Zak Stambor:. Somewhat. People are still spending quite a bit.

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.

You're talking about a company that's been an enormous amount of financial difficulties, enormous amount of debt problems, and their sports properties were probably the most at risk in terms of maintaining the cost that it's going to take to maintain their NBA coverage, which is sort of the top of the mountain for them. That was at risk and now it probably isn't.

They're verging on middle age, and they got kids, and they have mortgages, and they need to find something that fits into their ... and I'm not speaking from experience or anything, but it's just ... Think about the life that your target consumer is leading and go from there. Marcus Johnson:. Yeah. Stephanie. Stephanie Taglianetti:.