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Apple launched a high-yield savings account with Goldman Sachs last month. And it鈥檚 already making a splash, gaining popularity among millennials and Gen Zers. Apple is also rolling out its BNPL offering Apple Pay Later. The solution is currently on an invite-only basis, but we expect a full launch this summer.

TopView: These ads are the first content users see when opening the app. Branded Effect: These are custom effects, such as AR filters, that are sponsored by a brand. 2. Instagram Reels. The playing field: Instagram will have 135.2 million US users this year, averaging 33 minutes per day on the platform, according to our forecast.

To comply with DMA rules, Apple started allowing retro game emulators, opening the iOS market for vintage arcade and console games. iOS, the Safari browser, and the App Store welcomed alternative app marketplaces, and the App Store finally started allowing third-party payment systems.

This report features five under-the-radar US forecasts for 2025 that are worth knowing about, either because of surprisingly strong growth, an eye-opening threshold being reached, or an unexpected shift in dynamics. Read on for intriguing predictions across advertising, media, ecommerce, and tech that you may have missed. Livestreaming ecommerce is catching on.

When shopping at third-party merchants that offer Buy with Prime, consumers can now pay with PayPal after logging into their Amazon account. And next year, Amazon Prime members will be able to link their Prime and PayPal accounts to access Prime鈥檚 free shipping benefits when paying with PayPal at merchants that accept Buy with Prime.

Amazon will offer grocery delivery to non-Prime members nationwide: The retail giant also plans to resume opening Amazon Fresh stores next year.

Automated Clearing House (ACH) networks route electronic funds transfers between payer and payee accounts. In the US, these transactions are routed through two not-for-profit networks鈥攖he Federal Reserve and The Clearing House. Transactions are categorized as debits withdrawn from payers鈥� accounts (recurring bill payments) or credits to those accounts (direct deposits or tax refunds).

Google and Meta may be losing share, but they still account for the largest share of digital revenues in the region by far. Investing in these platforms for advertising is near non-negotiable, but the competitive landscape is opening up, and apportioning some campaign spend to experimental avenues could be a good bet. Behind the Numbers.

But at $8.76 billion, US gaming ad revenues will account for just a fraction of the $102.66 billion that social networks garner in ad spending. To reach diverse gaming audiences, brands need to understand not just the games but also the key platforms that host gaming-related content, including Twitch, Discord, and YouTube. Brands look to Gen X as the new Gen Z.

The insight: Private labels will account for 24% of grocery spending by 2030, up from roughly 20% today, according to a report by the Alvarez & Marsal Consumer and Retail Group.

Expected regulatory clarity is opening the door for stablecoin payments. President Trump signed a crypto-focused executive order within his first week in office that prioritizes the growth of private, dollar-backed stablecoins. Both sides of the aisle in Congress are also pursuing stablecoin regulation.

To truly change consumers鈥� financial behaviors for the better, personal finance management tools must take human nature into account and lean on AI to become predictive, proactive, and prescriptive. We look at why banks will also benefit.

Nearly all (90%) of online shoppers say the shipping experience accounts for at least half of their overall online shopping experience, per UPS Capital鈥檚 鈥淗ow Shipping Experience is Driving CX鈥� report.

The season (which we define as November and December) will account for 18.4% of total US retail sales this year, according to our forecast. And this share goes up even more for ecommerce sales, representing 22.3% of full-year sales.

A streaming service that underindexes on advertising may be doing so intentionally because it relies most on subscription fees to fund content production and it doesn鈥檛 want to increase churn by opening up the advertising firehose too widely. Meanwhile, other services are free and serve ads to all viewers.

As a result, new inventory is opening up,鈥� Goldman said. The recent rollout of Prime Video ads isn鈥檛 the only contributor to rising competition in connected TV (CTV) advertising鈥攐ther subscription over-the-top (OTT) players are stealing market share.

Colombia鈥檚 Centro Democr谩tico party proposed new legislation in November 2024 to prohibit users under 14 from creating social media accounts without explicit consent from a parent or legal guardian. The bill would also require the platforms to implement age verification systems and remove unauthorized accounts.

Sellers are slowly opening up to content-level transparency. Advertisers have been pushing streamers for content-level reporting. It鈥檚 not a strict necessity when measuring audiences, but it enables post-campaign optimization. It also adds a layer of accountability amid brand suitability concerns. Sellers have a legal obligation to be cautious.

Gen Zers will drive the growth of emerging payment methods, opening the door for providers to reach them through digital and mobile. But card-based payment methods are still relevant. To tap their rising spending power, providers must align their offerings with how Gen Z prefers to pay.

A streaming service that underindexes on advertising may be doing so intentionally because it relies most on subscription fees to fund content production and it doesn鈥檛 want to increase churn by opening up the advertising firehose too widely. Meanwhile, other services are free and serve ads to all viewers.

Users are also opening fewer apps because they can do more with each one. The super-app models pioneered by Asian apps like WeChat, AliPay, and Grab gained traction as full-service gateways to the internet in markets with less developed financial and broadband infrastructure. In the West, the problem is the reverse: too many apps.

The proliferation of Chinese brands on Amazon created an opening for Shein and others to connect consumers more directly to China-based manufacturers at a lower cost. Lower prices are a powerful and sticky lure. Inflation remains top of mind among price-sensitive US consumers.

Poor store proximity, queues, and inconvenient opening hours are among the features putting some shoppers off click and collect. Retailers can overcome these issues by partnering with carriers to offer a wider range of pickup locations.

Key Stat: Programmatic will account for 3 in 10 digital audio services ad dollars in 2025. Executive Summary. Programmatic penetration is lower for digital audio services than overall display. While programmatic will account for 9 in 10 display ad dollars in 2025, only 3 in 10 ad dollars spent with digital audio services will transact programmatically.

As retail media evolves, ad placements off-site and in-store will help grocery advertisers reach shoppers in new and more engaging ways, but consumers may not be in a spending mood as credit card balances grow and savings accounts shrink. If Amazon can get grocery right, it may be able to fight off losing share to Walmart. But if the Kroger-Albertsons merger goes through, it could change everything.