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The AI-powered promotions platform lets merchants offer customers personalized financial benefits like personalized APR rates, repayment terms, and cash savings. Benefits will be delivered directly via the Affirm App and Affirm Card. PayPal鈥檚 MCP servers and PayPal Agent Toolkit. Developers can integrate PayPal鈥檚 suite of APIs to build agentic workflows through PayPal鈥檚 Open Platform.

Budget: Gen Z is diligent about using budgeting apps and a traditional form of budgeting called 鈥渃补蝉丑 stuffing.鈥� They track their expenses to make informed financial decisions and avoid overspending. Invest in crypto: Unlike older generations, Gen Z is open to investing in cryptocurrencies.

However, currying platform loyalty with cash could blur the line between authentic posting and affiliate marketing. Epic vs. Apple case opens up options for Spotify app users. The news: Apple approved a Spotify app update that will let iPhone users change their subscriptions in the app, see subscription pricing information, and use third-party payment methods outside Apple鈥檚 payment system.

ATM rewards redemption gives cardholders access to cash rewards anytime, anywhere. And while digital payments continue to gain traction, cash remains necessary鈥攁nd 93% of consumers have no plans to stop using it, per a 2022 survey from the Federal Reserve Bank of San Francisco. The feature can also incent cardholders to use issuer-branded ATMs. No. 7: Advanced Digital Features.

AppLovin exits gaming in $900M sale to focus on AI-driven adtech: The company sells its entire "apps business," shifting its strategy to prioritize ad mediation, automation, and performance-based advertising.

In fact, 64% prefer to pay their bills manually so they can keep better track of their expenses, echoing Gen Zers鈥� cash-stuffing trend. 15% would switch to earn more points or better rewards.

For example, PayPal-owned Venmo launched Venmo Groups in 2023, and Apple Wallet began offering Tap to Cash last fall to make it easier to split payments. Our take: This feature can help Monzo keep its current customers more engaged, giving them additional reasons to visit the Monzo app鈥攚hich could boost loyalty.

Investor pressure to cash in on AI makes partnering with the technology鈥檚 biggest player critical for long-term survival. Other companies are likely to follow suit. Google gains access to the latest GPUs for AI workloads, reducing training time for its various applications, including AI search and advertising.

If TikTok is banned, expect a flurry of activity from apps to cash in on its massive number of social buyers (33.3 million US social buyers ages 14 and older this year, per our forecast). And if it鈥檚 not, we expect it to tie with Facebook for the highest social buyer penetration by the end of 2023. 3. Retailers and consumers struggled to make sense of economic indicators.

Bank credit card infrastructure with no separate app needed. And the all-in-one Business Essentials checking account:. Has unlimited digital transactions and no monthly maintenance fees. Offers same-day funding on card payments and includes a free mobile card reader to support easy payment acceptance.

Currently, crypto owners must convert their digital currency to cash before applying it to a down payment, per New Way Mortgage. A spate of third-party companies has popped up to complete conversions for customers, per RealOpen.

The event features deals exclusively available to members of the retailer鈥檚 My Best Buy Plus or My Best Buy Total programs, as well as limited product releases and additional savings that are only available in the retailer鈥檚 app.

Some of Instagram鈥檚 growth stems from its push to court creators via incentives, like cash bonuses, and to pay creators who are able to bring more people to the app. The app has also benefited from continued uncertainty around TikTok. Facebook鈥檚 user growth is essentially flat.

Travel is emerging as a prominent vertical in commerce media鈥攖he latest nonretail industry looking to cash in on the ad model that has proved lucrative for retailers. Airlines, ride-hailing apps, and online travel agencies are among companies across the travel ecosystem launching media networks powered by first-party data.

Best Mobile App Experience: Discover. Discover has a highly rated app that supports mobile check deposits, Zelle transfers, and full account management. And Capital One and Discover just got the final green light to merge, which could mean this app鈥檚 technology will assist more customers.

The news: A recent survey by H&R Block鈥檚 mobile banking app Spruce reveals that nearly 70% of Gen Z is influenced by social media finance trends, showing a shift in how younger generations learn about financial matters. The details: While over 2 in 3 Gen Zers are passively influenced by social media finance trends, 33% turn to social media with financial questions.

The challenge: Corporate-backed AI research often leans toward profitable applications rather than exploring ethical or societal impacts. It鈥檚 the key reason OpenAI has shifted away from a nonprofit to cash in on AI. Our take: Amazon鈥檚 $110 million commitment is a notable boost for AI research funding, but its benefits and influence must be weighed carefully.