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Instagram鈥檚 new Quiet mode offers an olive branch to parents and regulators as the Biden administration vows to go after Big Tech for 鈥減ut[ting] our children at risk.鈥� All social platforms can sense a new era of accountability, and they鈥檙e making active moves to stay on regulators鈥� good side.

TikTok offers a teen time limit as US ban talks boil over: Talk of serious action is heating up, and TikTok is waving olive branches to prevent the worst.

Equally important, FIs must communicate to customers what won鈥檛 change鈥攕uch as the products they know and love, their cards, logins, and the friendly faces they鈥檙e used to seeing at branch locations. And it鈥檚 not just about telling customers that change is coming鈥擣Is must seek initial buy-in by testing the changes.

Data insights allow for customized interactions across various channels, including in person at the branch. Increase efficiency and ROI. Data-driven marketing boosts efficiency by focusing on high-potential prospects and adjusting campaigns in real time for maximum impact. And demonstrating this to executives could help them understand the value of marketing鈥攁nd the budget behind it.

Enhance branch experience with financial guidance: Branches remain essential for major financial decisions. FIs should create private, comfortable spaces for financial consultations, like Bank of America replacing teller windows with offices.

TikTok CEO Shou Zi Chew attended President Trump鈥檚 inauguration alongside other tech and social media CEOs, and the app鈥檚 notification thanking Trump for not enforcing the ban can be viewed as an olive branch between TikTok and the new administration.

Natural disasters can damage or destroy banks鈥� physical branch locations. And beyond that, some of the impacted banks鈥� safe deposit boxes and their valuable contents may not have survived the fires, per American Banker. And, according to American Banker, climate change threatens to devalue up to 9% of global housing by 2050, amounting to $25 trillion in lost wealth.

And then the bank's reputation, the branches near them, which is interesting. They do care about being able to go to a physical branch. Fraud prevention, customer service, the fees, interest rates for accounts, banking mobile app quality, discounts, incentives, awards. Rob Rubin (03:28):. So your 13 are just the 13 things that people care about when they choose a bank. Lauren Ashcraft (03:28):. Yes.

Our take: These results don鈥檛 invalidate FIs鈥� competitive strategies involving expanding brick-and-mortar branches. Though most customers across all age groups prefer to bank digitally, many customers鈥攅ven younger ones鈥攙isit branches regularly to conduct banking transactions.

Arkansas-based Southern Bancorp and Greater El Paso鈥檚 Credit Union provide free tax preparation services at their branches through the Volunteer Income Tax Assistance, per AMP news and their websites. Customers must meet certain income requirements.

They鈥檒l notice if they don鈥檛 see any young employees they can relate to at the branch, for example. And they鈥檙e twice as likely as other generations to consider DEI when choosing where to bank. Our take: Gen Zers鈥攚hen deciding on a bank鈥攎ay research which financial institutions once claimed to support DEI initiatives then later backed away.

How banks have responded: Aside from multiple banks ensuring employee safety by temporarily closing branches located in the fire zone, per American Banker, financial institutions (FIs) with a local presence have focused on providing relief to their impacted customers. Here are some examples of how banks have responded so far:.

As creators branch out, Reddit could find itself in the mix as a place where fans can engage in deeper conversations. And the platform is positioning Redditors as their own type of influencers. Reddit might not be interested in courting 鈥渢raditional鈥� creators and influencers.

What this means for the UK market: Currently the fifth-largest bank in the UK, Santander has 14 million customers and 444 branches across the country, per The Times. If a competitor acquires its UK business, there would be significant consolidation in the industry.

While various technology CEOs extended an olive branch to the incoming administration, inevitable policy and regulatory changes are set to alter market dynamics. Big Tech鈥檚 proximity to power: Antitrust lawsuits against Google, Meta, and Amazon loom large. These companies may seek Trump鈥檚 favor to mitigate legal pressures, especially given the conservative majorities in Congress and the Supreme Court.

FMNs will expand beyond FIs鈥� home geographies and into channels including point-of-sale (POS) terminals, branch networks, and offsite media. FIs may also start acquiring ad tech companies to improve their in-house ad targeting capabilities. Why should FIs have FMNs on their radar? FMNs mark a new chapter in the evolution of commerce media networks (CMNs).

It could also entail offering ad space on more channels, including branch networks, ATMs, point-of-sale terminals, and off-site media to capture more eyeballs. Another option will be to start supporting a wider array of ad formats, starting with video. Click here to view our full forecast for US FMN ad spending. 6. Mounting pressure will squeeze the long tail of RMNs.

Tech CEOs extending an olive branch to the incoming president could go a long way in easing regulatory scrutiny, leading to a rise in investments and spurring M&A activity. Mergers steadily trended upward in 2024 for sectors like digital media and marketing in 2024, per Luma Partners.

US banking digital ad spending growth will rebound dramatically in 2024, but tougher times lie ahead. Understanding the nuances of consumer behavior will be essential to boosting ad impressions.

Wells Fargo has seen growing unionization movement鈥攚ith employees at one branch in Albuquerque, New Mexico, unionizing in 2023. And its conduct management investigators voted to unionize in December 2024, per Banking Dive. What this means for the industry: These union victories at banks and credit unions are likely to inspire other teams in the financial industry to follow suit.