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On today鈥檚 podcast episode, we bring you the major themes that we witnessed directly from the Money20/20 conference in Las Vegas, Nevada. Recorded from the conference floor, we discuss the data and tech required to offer customers payments choices, expectations in embedded finance, and consumers鈥� privacy and trust. Tune in to the discussion with host Rob Rubin, our principal analyst Tiffani Montez, and Sean Welsh, senior vice president and managing director of financial institutions at Affinity Solutions.

On today鈥檚 podcast episode, we discuss how finserv digital marketers are incorporating credit marketing, even in top- and mid-funnel campaigns. 鈥� In our 鈥淗eadlines鈥� segment, we chat about the role of marketing as a revenue generator in banking鈥攕pecifically, an article we published in August with results from an American Banker Association survey that stated 72% of marketing execs don't believe revenue generation is a part of marketing鈥檚 role. 鈥� In 鈥淪tory by Numbers,鈥� we examine the results of digital campaigns that revolve around credit marketing and the ROI in creating a unified, full-funnel marketing strategy. 鈥� In 鈥淧retend CMO,鈥� our guests have to thread together a multifaceted digital-only marketing campaign and discuss how it attributes ROI to the campaign's different digital channels. Tune in to the discussion with host Rob Rubin, our analyst Tiffani Montez, and Aundra Thompson, director of product strategy and strategic planning for marketing solutions at TransUnion.

On today鈥檚 podcast, we are talking about digital account-opening trends, who鈥檚 opening bank accounts digitally, and what they want or expect when going through that process. Here鈥檚 a look at what we鈥檙e talking about this week: 鈥� In our 鈥淗eadlines鈥� segment, we discuss how in-flight deposits and Gen Z will drive account openings in 2023 and to what extent new account openings are the result of high deposit rates and an incentive-laden environment. 鈥� In 鈥淪tory by Numbers,鈥� we examine how being able to set up direct deposit when consumers open checking accounts is extremely important and the importance of deposits being protected. 鈥� In 鈥淔or Argument鈥檚 Sake,鈥� we suppose there鈥檚 a new US banking regulation requiring all banking products to be applied for and opened online. We debate (nicely) how the industry dynamics would change if everything in banking were digitized and moved online. Tune in to the conversation with host Rob Rubin, managing principal of financial services consulting at EPAM Systems Alex Jimenez, and our analyst Tiffani Montez.

What's the ceiling for these streaming services before people say, "Enough is enough."? I thought I saw some research recently showing that people have dropped at least one of their streaming services from their bundle. Maybe that's more to do with just the current climate and less to do with what they would ordinarily pay for all these streaming services.

On today's podcast episode, our vice president of Briefings Stephanie Taglianetti hosts a mock-debate-style analyst showdown on Meta versus TikTok. Analyst Debra Aho Williamson and director of Briefings Jeremy Goldman go head to head, advocating on behalf of Meta (Debra) and TikTok (Jeremy) to prove which social platform is the bigger threat in three areas: getting people to spend time on each app, meeting advertisers鈥� needs, and AI innovation.

Why creator monetization matters: As influencer marketing spending grows, platforms that offer consistent payouts will retain creators who provide valuable ad space.

So it's really interesting to bring streaming in. So linear is still huge, but streaming is important. Man-Chung, I wonder, in a region where we're talking about time differences, always an issue through the many years, many Olympics past, becoming less and less of an issue as we have all these opportunities to stream content. I mean, I was still streaming content, and it was in my time zone.

These include music/audio; ownership of a wide range of gadgets including PCs/laptops/tablets, TV streaming sticks/devices, VR headsets, smart home products, game consoles, and smart TVs; and traditional media like magazines. Chile is also second in Latin America in various time spent categories.

US ad spending faces a slowdown: Economic uncertainty, tariffs, and inflation are prompting advertisers to cut budgets, with 2025 ad growth forecasts declining.

B2B brands are underutilizing creator marketing on LinkedIn, according to Rob Mayhew, a creator who left his agency leadership job to make funny B2B social media videos full time. "LinkedIn is the channel that everyone's sleeping on [for creator marketing], and it's got huge opportunity, especially for B2B," Mayhew said.

Tariffs will have a wide ranging impact on prices, consumer sentiment: Warehouse clubs, off-price retailers, and discount grocers could have an edge in this challenging retail environment.

As the creator economy grows, marketers are considering how they can incorporate AI into their strategies without compromising the consumer trust and human connection the industry relies on.

In 2022, TV penetration was significantly greater than on-demand/streaming services. This year, on-demand/streaming service is nearly on par with live TV. It has a penetration rate of 73.7%, compared with 74.1% for live TV. In the region as a whole, it outpaced live TV in viewership by a wide margin in H1 2023. Philippines.

The creator economy asserts itself at SXSW: Panels with creator platforms underscored their crucial place in the marketing ecosystem

Additionally, Spotify is testing a generative AI tool called Quick Audio, which allows brands to produce voice-overs and audio scripts, streamlining ad creation. Revenues over subs: Spotify has traditionally relied on premium subscriptions as its primary revenue source but faces pressure from investors to boost its advertising income.

Loyalty is in decline. Customers form lasting connections with brands and products they love, but they鈥檙e still willing to shop elsewhere when price, value, and experience don't meet their expectations.

With Amazon accounting for 76.7% of the US retail media industry鈥檚 $60.81 billion in ad spend, smaller retail media networks (RMNs) have to innovate to differentiate themselves in the longtail of the marketplace.