蘑菇AV

More Chart of the Day:. 8/16 - Digital out-of-home climbs. 8/15 - The social generation. 8/14 - Everyone tries on AI. 8/11 - In search of ads. 8/10 - PayPal leads the P2P pack.

Note: Digital ad spending includes banner ads and other (static display ads such as Facebook's News Feed Ads and X's Promoted Posts), classified ads, email (embedded ads only), mobile messaging (SMS, MMS, and P2P messaging), rich media (including in-stream video ads), search ads (including contextual text links, paid inclusion, paid listings, and SEO), sponsorships, and lead generation (referrals).

Self-driving car companies might rely on ride share platforms until consumer accessibility expands and manufacturing costs drop. But this strategy could drive down wages for human drivers.

We're seeing that with the P2P players too. Venmo, for example, which is... Rob Rubin:. Has credit cards. Jamie Toplin:. Yeah, it's super popular for P2P. They have credit cards. They're now also moving in-store with QR. You can go into CVS, for example, and you can pay by scanning a code on your Venmo app and that'll pull from your Venmo balance.

The wallet offers peer-to-peer (P2P) payments, retail payments, and bill pay. Why it matters: Despite launching just over a year ago, Lynk has the potential to be a formidable player in Jamaica鈥檚 mobile wallet space. It reached $9.8 million in payments volume and was the third-most-popular financial Android app in Jamaica, according to web analytics firm Similarweb.

Major milestone: Which platform will exceed 100 million US mobile peer-to-peer (P2P) payment users for the first time this year? A) Venmo B) Cash App C) Zelle. There will be 110.3 million mobile P2P payment users on Zelle this year, up from 99.5 million in 2024, according to a February 2025 蘑菇AV forecast. April 1, 2025.

These are all essentially either originally P2P systems, even Apple, or mobile based systems that continue to grow and grow and grow and grow and they're tethering broader and deeper usage by building out product sets within that ecosystem, and that's how they're ultimately growing.

Gen Zers are flocking to emerging payment methods, but card-based options, led by debit cards, remain supreme. Payment providers must align offerings with Gen Z鈥檚 preferences now as their spending power grows.

This year, the payments industry will face its first major test following pandemic-driven digitization as economic uncertainty pressures customer habits. This is the data you need to understand the major changes facing the payments ecosystem in 2023鈥攁nd how to navigate them.

It benefited from increased volume in its key growth categories, like BNPL and Braintree

Major banks are jointly developing a digital wallet to fend off competitors. But the execution must be flawless to succeed.

On today鈥檚 episode, host Bill Fisher is joined by our analysts Paul Briggs, Matteo Ceurvels, and Carina Perkins to examine what impact global economic turbulence is having on retail and ecommerce in different markets.

On today鈥檚 episode, we discuss how Gen Zers are different from older generations in that a lot of their financial services product consumption will be embedded within non-financial service-specific experiences. In our "Headlines" segment, we examine how convenience plays a major factor into Gen Z decision-making. In "Story by Numbers," we discuss Gen Z鈥檚 use of Apple Pay in consumer finance and if consumers can find competitive prices while using embedded finance experiences. And in "For Argument's Sake," we debate if more than 10% of Gen Z or Gen Alpha will go their whole lives without establishing direct relationships with financial service providers. Listen in to the conversation with host Rob Rubin and our analysts Grace Broadbent and Eleni Digalaki.

On today鈥檚 episode, we discuss the environmental impact of blockchain technology and cryptocurrency mining. In our 鈥淗eadlines鈥� segment, we discuss the deal Bitdeer, a Bitcoin-mining company in Texas, had with the state when the power grid became distressed during the winter of 2021 and how crypto must overcome its reliance on old technologies that pollute the environment. In 鈥淪tory by Numbers,鈥� we discuss a 2022 report conducted by climate and economic researchers that estimates Bitcoin mining may be responsible for 65.4 megatons of carbon dioxide per year, comparable to the entire country of Greece. And in 鈥淲hat If,鈥� we examine what would happen to crypto if governments around the world required carbon tax credits in order to operate and restrictions were put in place for the amount of energy crypto and blockchains consume. Join the conversation with host Rob Rubin and our analysts Jenna McNamee and David Morris.

I think it's possible, and I'm just going to use a parallel example of Venmo came in and took that sort of P2P paying people directly market. And it's so much so that it's become a verb I'll Venmo you. But if you look at the actual sort of transaction volume now, Zelle, which exists on your banking platform for a couple thousand banks at least, but certainly the big ones enables you to use Zelle.

Adam Clark Estes of Vox, in his piece, he references P2P file sharing site Napster, which made it easy to download music for free before the days of Spotify and Apple Music. Record companies were quick to say, "Not so fast," and in 2001, a federal court ruled that Napster was liable for copyright infringement.

Your P2P app becomes your bank. Rob Rubin:. Yeah. Tiffani Montez:. It's no longer the Boomer Bank anymore. Rob Rubin:. No. Maybe it's a company like PayPal I think plays an interesting place where they could fulfill that role, for example, or Venmo, which is PayPal. But you see where I'm going. Tiffani Montez:. All answers are PayPal. Rob Rubin:. Yeah. Tyler Brown:. It is.

Which is what we call in the in-store payment side or the P2P side. People are using multiple wallets. So it's like how can these providers build services that get customers to be more loyal. And these financial services, e-commerce integrations are one way of doing that. Because customers will start using the wallets for more things and then put all of their transactions through one provider.

This is the bank-backed provider of Zelle, the phenomenally successful product that, from a payment value perspective, has blown past all of these fintech players when it comes to P2P, and Early Warning wants to do the same here with digital wallets by launching the Paze digital wallet this year. It's off to I think a good start, in the sense that it's, basically, just launched.