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Embedded finance 1.0, according to Marqeta VP of go-to-market strategy Mahesh Kedia, has been around for a while鈥攍ike Amazon鈥檚 one-click checkout or airlines folding travel insurance into the ticket-buying process. But Arvind Purushotham, Head of Citi Ventures, said that embedded finance is still underused and underadopted.

Target grappled with elevated inventory levels all year as shoppers devoted more of their budgets to necessities like groceries and experiences like travel, and less to the discretionary categories that the retailer generates most of its revenues from.

Metrics like air travel bookings and dinner reservations have effectively returned to what they were in 2019, according to the TSA and OpenTable data reported by The New Consumer and Coefficient Capital. Some pandemic habits have slowed but not stalled.

Block reported strong growth in nontraditional BNPL categories like food and beverage (up 251%), travel and experiences (57%), and auto (32%). The adopters: Only 12% of US consumers use BNPL regularly, according to an October survey by Bizrate Insights.

58% of brands and 51% of agencies would like to see retail media-like offerings from verticals beyond retail, according to Q4 2023 data from Criteo.

As new categories, like travel and healthcare, start to open up to BNPL usage, do these people get into financial distress? And does this also let retailers give them almost a rosier view of what their future fortunes could look like? Because you have to account for the fact that at some point, these individuals will be tapped out.

Increased demand for communication devices can be traced to the revitalization of Thailand鈥檚 tourism industry鈥攚hich, according to government data, accounted for 20% of the country鈥檚 GPD in 2019. Sources. Media Partners Asia. Office of the National Economic and Social Development Council (NESDC). Ookla. The Filipino Times. The Hollywood Reporter.

Now as the industry branches beyond retail to wider commerce media, which includes travel and hospitality channels and super apps, in addition to RMNs, the growth potential is all the more enticing. Consumer packaged goods brands, for instance, aren鈥檛 the only advertisers moving increasing amounts of their marketing dollars to RMNs.

It鈥檚 also posting videos on TikTok, with the goal of 鈥渃reating fun鈥濃�攆or example, what it鈥檚 like to travel through the tube at the driveup teller. The posts are also repurposed on Instagram鈥檚 Reels, and Facebook posts are also shared on Instagram. Credit Union of Southern California, based in Anaheim, California, with $2.6 billion in assets under management.

We are in a battle for attention and that attention could be technology, going out to eat, [or] travel. So we have had to up our game in terms of entertainment to make sure that our Gen Z fans are fully engaged in our brand.鈥�. Creating augmented reality virtual pop-up shops on Snapchat have been successful鈥攖o the tune of 鈥渁 couple million dollars鈥� for each one.

Food services and drinking place sales (i.e., restaurant sales, restaurant delivery ordered online); travel sales; event ticket sales; payments, such as bill pay, taxes, or money transfers; gambling and other vice good sales.

It鈥檚 common among premium co-branded travel cards: World of Hyatt credit card users, for example, earn one free night every year they have the card. Expense-conscious cash-back credit card programs could tie earning such rewards to an annual spend threshold鈥攇iving users a slightly higher bar to clear than just paying off a balance. No. 3: Cash Back.

It excludes travel and event tickets; tips and digital gifts; subscriptions; payments such as bill pay, taxes, or money transfers; food services and drinking place sales; and gambling and other vice goods sales.

Food services and drinking place sales (i.e., restaurant sales, restaurant delivery ordered online); travel sales; event ticket sales; payments such as bill pay, taxes, or money transfers; gambling and other vice goods sales.

I thought I'd hit you with some Memorial Day travel stats, which I think could serve as a proxy for strong summer travel overall. Since this is pretty much the inaugural weekend of summer vacations. The AAA projects that 42.3 million Americans will travel over 50 miles from home for this Memorial Day weekend. That's a 7% increase over 2022.

This tool is already used in travel and ride-sharing, but consumers may get turned off by its use in retail. Consumers are resistant to dynamic pricing because it violates their sense of fairness, can inflate prices, and reduces predictability in budgeting.

An example of this is Google鈥檚 Topics API, which can group consumers into buckets (like 鈥淔itness鈥� or 鈥淭谤补惫别濒 & Transportation鈥�) based on browsing data. These have limitations. 鈥淐ohorts are not usually persistent. So they can change over time, which makes measuring and retargeting a challenge,鈥� said Mitchell. Option C: Seller-defined audiences.

However, live shopping hasn鈥檛 seen the same success in most other markets, partly because travel restrictions were not nearly as harsh anywhere else, and partly because consumers in China are simply more open to it. In the US, only 12% of adults鈥攍ed by Gen Z (25%)鈥攕aid they had purchased something on a live shopping stream, according to a May 2023 CivicScience survey.

And we might start to see pullbacks on travel. People might have already satisfied some of their travel demand last summer, but prices for travel, hotels, airfare, all of that is going up. So I think there's only so much that's sustainable right now. Sara Lebow:. So inflation is high. We're still feeling the fatigue.

It lets users do things like make retail payments, pay their bills, and book travel. Western Union鈥檚 opportunity: MoMo can help bolster Western Union鈥檚 digital remittance volume in Asia and make the firm more competitive. Western Union鈥檚 branded digital transactions increased 2% year over year (YoY) in Q4鈥攅ven as total transactions slid 12% YoY.

The report claims issuers create misleading marketing materials and block or delay earned benefits. Issuers are already fighting back

China is currently developing a new maglev hyperloop train called the T-Flight, which travels through low-vacuum tubes at a record-breaking 387 miles per hour. So a hundred miles an hour faster than the current fastest. However, the goal is to make that train reach over 600 miles per hour. The line expected to be operational by 2035. (02:47):.