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鈥淭his stands in stark contrast to Apple, who are cynically painting publishers who rely on advertising dollars as villains so they can drive audiences to Apple-owned platforms,鈥� said Matt Keiser, founder and CEO at LiveIntent. 3. Consumer interests will lead the charge away from cookies.

Large firms like Apple and Google are taking deposits, offering consumer credit, and even providing insurance products. Traditional banks seeking to remain a one-stop shop for consumers must match or improve on their competitors鈥� offerings.

Coming back to Apple, I think we'll see Siri on steroids in iPhone 16. Apple has been kind of quietly working on its GenAI developments. A recent study came out like a week ago about how Apple is working on GenAI that could run directly on the iPhone.

Gen Z is the first mobile payments-native generation. By 2028, 67.8% of US adults will be mobile wallet users, per our forecast. Gen Zers are already way ahead: 85.1% made an in-store or online payment using their phone in 2023, according to Federal Reserve Bank of Atlanta.

Examples range from Apple Wallet鈥檚 digital order tracking and receipts to Google Pay鈥檚 loyalty program integrations.

Google has the widest reach, and is gradually pulling away from Apple and Amazon. You鈥檙e more likely to hear 鈥淥kay Google鈥� than 鈥淗ey Siri鈥� or 鈥淎lexa.鈥� Google Assistant maintains its lead with more than 85 million US users this year, and that lead is growing. In 2025, Google Assistant users will reach 91.9 million, ahead of Siri鈥檚 86.5 million and Alexa鈥檚 77.2 million.

The new 鈥淪cience Vs鈥� from Gimlet Media, the podcasting network Spotify acquired for $200 million in 2019, will also be available across rival audio platforms like Apple Podcasts and Google Podcasts.

Google only needed to learn that lesson once when Apple switched its default map app from Google Maps to Apple Maps in 2012. In the two years after Google Maps lost default status, usage on iOS dropped more than 60%. Even Apple admitted that Apple Maps was an inferior product. So that in itself demonstrates that defaults are powerful.

Major players have built developer platforms for AR effects, including advanced tools from Apple (ARKit), Google (ARCore), social networks, and game engines such as Niantic, Unity, and Unreal Engine. To see the full forecast, click here. Social networks can take credit for bringing AR to the masses.

Additionally, Apple, which has been on the firmest economic footing among Big Tech this year, announced a year-long hiring freeze in November, and Alphabet plans to cut 10,000 employees through a stricter performance review process. Here鈥檚 how it鈥檚 playing out: Tech鈥檚 losses are most other industries鈥� gains as they compete with each other and the federal government to hire laid-off talent.

Apple, for example, has a reputation for a seamless user experience, and that ease is what鈥檚 needed to get more users on board, he said. Apple will continue to integrate biometrics and payments as it moves into extended reality with its Vision Pro, which is an early prototype of the type of devices that could capture more biometrics such as retinal data, Canaves said. Listen to the full episode.

Is Apple right not to push headlong into generative AI? The Economist points out things haven't been going fantastically for Apple as of late. Its market value is down 9% this year. It's lost its top phone maker spot to Samsung as iPhone shipments failed in Q1. Microsoft, thanks to gen AI, has vaulted it becoming the world's most valuable company.

The Brat trend is the use of lime green, hyperpop edits of videos, and a viral dance set to the song 鈥淎辫辫濒别.鈥�. The trend blew up when Kamala Harris announced her bid for president and rebranded the Biden campaign X profile to 鈥淜amala HQ,鈥� complete with a lime green header mimicking the album鈥檚 original cover art. Charli XCX responded by posting, 鈥渒amala IS brat.鈥�.

Without default deal money coming in from Google, Apple or another competitor may invest in developing its own search engine. In the meantime: Google could face challenges as it delays new innovations to stay on the DOJ鈥檚 good side. That said, Google has moved right along in partnering with TikTok, which could raise more regulatory eyebrows.

Consumer electronics retailers like Apt, B&H, and Apple tout knowledgeable staff who can guide consumers through these high-consideration purchases, said Stambor. 4. Entertainment value in the experiences. Shoppers missed the in-store experience during the pandemic, and want to get back to stores. But retailers also need to think of creative ways to draw them in.

Spotify debuted in the US in 2011 and quickly became the 鈥済o-to鈥� platform for streaming music, long before competitors like Apple Music and Amazon Music Unlimited emerged. Just for you: Spotify does personalization better than anyone else.

Connected devices become more shoppable while Apple muscles in on ad revenues. 3 ways to improve the relationship between ad clicks and conversions. What鈥檚 driving CTV鈥檚 advertising growth? Time Spent With Connected Devices 2023 (Insider Intelligence subscription required).

Apple Vision Pro. On June 5th, Apple unveiled its much anticipated augmented reality headset, which looks like ski goggles, basically. The last new piece of hardware from them was the Apple Watch back in 2015. The headset is controlled using your hands, eyes, and voice, tapping your fingers together to select things is one such control. There's no handheld controllers.

Apple and Android versions may have slight differences, potentially requiring multiple versions of the demo. To get a sense of where FIs may need to perform some mobile app review damage control, they need to perform a search across the internet and create content that鈥檚 more recent than third-party reviews.

The trend: Collectively, Apple, Microsoft, Amazon, Alphabet, and Meta have lost more than $3 trillion in market value this year, per Bloomberg, and signs point to continued struggles for the sector. Mass layoffs have become the release valve for various Big Tech companies adjusting to a post-pandemic economy and heightened uncertainty as consumer spending and advertising budgets evaporate.

Just this week, the DOJ announced it was suing Apple for its iPhone monopoly, showing the department is serious about taking antitrust action against Big Tech. Use this chart:. Illustrate the decline in Big Tech acquisitions. Consider potential impact on the digital advertising landscape. More like this:. Apple's new ad product pushes it closer to Google.

Money is still pouring into app install ad spending, boosting Apple and others. More Chart of the Day:. 9/22 - B2B digital ad spend growth lags. 9/21 - Subscribe and save. 9/20 - Banking on traditional. 9/19 - Top platforms by influencer marketing spending. 9/18 - Temu vs. Amazon, Target, and Walmart.

Major brands like Apple are upping their TikTok ad spend. Yesterday鈥檚 Chart of the Day: Podcastic ad opportunities. Methodology: Estimates are based on the analysis of survey and traffic data from research firms and regulatory agencies; the growth trajectory of major social networks; historical trends; internet and mobile adoption trends; and country-specific demographic and socioeconomic factors.

Clash of the titans: Why Apple vs. Amazon is the battle to watch. Shopify stands in the way of Buy with Prime鈥檚 success. Yesterday鈥檚 Chart of the Day: $10 billion cookie dough.

Apple introduces Apple Pay Later. Pinterest brings shopping to Shuffles. The five categories where Amazon will increase its ecommerce sales share. Instacart, Klarna, Shopify deepen ties with ChatGPT. Yesterday鈥檚 Chart of the Day: Funnel vision.