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We look at how adjusted pricing, launching in new categories and markets, and growing its debit card made this possible

PayPal Everywhere will expand to select European markets in 2025. Our take: The results of PayPal’s transition year are taking longer to be seen than some may like. Despite the slower speed, the payments giant’s efforts should set up the company for stronger growth in 2025 and beyond.

Compared with its closest European neighbors, adults in the UK are less engaged with media overall—10:09 this year, behind 10:14 in Germany and further behind 10:55 in France. Its North American counterparts are even further ahead—11:31 in Canada and 12:37 in the US. Digital continues to gain an increasing share of media time. Proportionally speaking, media time is most likely digital time in the UK.

Australia's creator economy has an authenticity problem: Many influencer campaigns don't include proper disclosures.

Insurer Zurich is exploring using ChatGPT to improve modeling and claims. The tech has the potential to strengthen customer service, but not all consumers are sold.

Read the full report, Luxury Ecommerce 2024.

A single breach can quickly snowball—upending operations, eroding consumer trust, and driving shoppers to rivals. In a hyper-competitive market, even a short disruption or loss of confidence can have long-lasting consequences on brand loyalty and the bottom line.

PayPal has been expanding in Europe—it recently brought its crypto payments product to Luxembourg, for example. Any changes that come in Germany may dampen the firm’s growth prospects in Europe. But the investigation into PayPal has barely begun—and may not result in significant changes to how PayPal operates.

The ecommerce giant also launched a low-cost line of essential grocery items, Amazon Saver, in late 2024, with extra discounts for Prime members. The strongest private label retailers draw shoppers to their own brands. Limited-selection retailers (such as warehouse clubs and discount grocers) lean into private label to offer value-focused products and drive customer loyalty to their brands.

An example of the latter is Amazon Prime Video targeting using shopping history on the ecommerce platform. Additionally, retailers are opening their media networks to non-endemic buyers (brands that don’t usually sell through the retailer property but offer related products that appeal to certain user behaviors). In-store ad inventory also represents a growing opportunity.

Launched in Q2 2009 as Mercado Libre Publicidad, then rebranded to Mercado Ads in September 2020, the regional ecommerce giant managed to gain a significant edge over Amazon in Latin America through years of multibillion-dollar investments into fortifying its retail flywheel. (That flywheel comprises ecommerce, logistics, financial services, media, and advertising.).