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US digital ad spending will surpass $452 billion by the end of 2028, per our forecast, and FMNs prime banks to capture some of that spend. That鈥檚 a compelling prize as high interest rates continue to curb banks鈥� lending profits. Click here to view our full forecast for US digital ad spending. FMNs are starting to go mainstream.

The market picture: Apple can capitalize on the US BNPL market, where growth is set to surge. By 2026, 39% of US internet users will use a BNPL solution, up from 31% last year, per Insider Intelligence forecasts. We expect overall BNPL payment value will grow by almost 90% between 2022 and 2026鈥攑er our forecasts鈥攄riven by increased adoption and spend per user.

US marketers will spend over $1 billion more on influencer marketing in 2023 than they did last year, per our forecast. We lay out six tactics to maximize the impact of those dollars.

But Affirm is still increasing its volume and can benefit from market growth: By 2026, 38.9% of US internet users will use a BNPL solution, up from 30.7% in 2022, per Insider Intelligence forecasts. What next? Levchin said that a major restructure would create a 鈥渘imbler team鈥� as the company targets profitability by the end of fiscal 2023.

Big Tech (Amazon, Apple, Google, and Meta) is on track to double its share of digital advertising from 30.8% at the beginning of our forecast period in 2008 to 66.8% next year, per our forecast. As a result, a number of antitrust lawsuits from the US and abroad have been filed. At the same time, regulators are working to protect children on digital platforms.

If you want to learn how to get insights like these delivered to your inbox every day, and get access to our data-driven forecasts, reports, and industry benchmarks, schedule a demo with our sales team.

If you want to learn how to get insights like these delivered to your inbox every day, and get access to our data-driven forecasts, reports, and industry benchmarks, schedule a demo with our sales team.

Total BNPL payment value will reach $94.87 billion in the US this year, skyrocketing to $143.44 by 2026, according to our forecasts. Dig deeper: Check out our 鈥淯厂 Buy Now, Pay Later Forecast 2022鈥� report for more on BNPL user and volume growth trends. This article originally appeared in Insider Intelligence's Payments Innovation Briefing鈥攁 daily recap of top stories reshaping the payments industry.

If you want to learn how to get insights like these delivered to your inbox every day, and get access to our data-driven forecasts, reports, and industry benchmarks, schedule a demo with our sales team.

If you want to learn how to get insights like these delivered to your inbox every day, and get access to our data-driven forecasts, reports, and industry benchmarks, schedule a demo with our sales team.

Both GM and Ford reported their highest US new vehicle sales since 2019. GM sold over 2.7 million autos in 2024, up 4.3% YoY, while Ford鈥檚 FY sales rose 4% to 2.08 million. The underlying trends: Automakers were helped by a flurry of car-buying activity in Q4.