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Netflix accounts for a greater share of time spent than of ad spend, according to our forecasts. There鈥檚 potential for growth as advertisers move to where users spend their time. Netflix has a fairly attractive catalog and a lot of international content, which allowed it to stay relevant and fresh during the recent Hollywood strikes.

But smaller financial institutions (FIs) typically use screen scraping to grant access to consumer accounts. The CFPB鈥檚 plan to eliminate screen scraping means these smaller FIs will carry a huge cost burden to implement the API technology needed to remain compliant.

In June, D2C green banking fintech Atmos Financial formed a direct partnership with BaaS provider Five Star Bank after migrating all its bank accounts from its middleware vendor. But cutting out middleware won鈥檛 fix regulators鈥� main concern: banks鈥� weak risk mitigation mechanisms and failure to protect customers from the fallout.

That means multiple accounts across providers, which makes cross-selling difficult for banks. Their needs are too complex to be satisfied by mass-market products.

Small and medium-sized businesses will account for almost half of the $35 trillion B2B payments market this year. They have been slow to digitize, handing B2B payment providers a unique set of needs to address.

It will account for 61.3% of the rise in ecommerce transaction value in 2024, per our forecast. And sales via smartphones will grow more than twice as fast as sales via desktop devices. Smartphones are doing the heavy lifting. The average US adult will spend 3 hours and 6 minutes per day on their mobile phone in 2024, an increase of almost 50% in five years.

Meta鈥檚 lead on users and ad dollars is weakening, opening up opportunities for innovative brand activations on a wide range of other networks. Follow Gen Z users to video-centric platforms. While Facebook and Twitter are struggling with user and brand trust, double down on innovation investments in new platforms.

A growing number of migrants in the US and a lack of formal remittance channels are creating an opening for US-based remittance firms in the country.

That鈥檚 per April 2023 data from NIQ, which found millennials account for the largest proportion of beauty sales on TikTok Shop (39.2%)鈥攂ut Gen Zers overindex versus their share of the total online beauty market.

But it also reflects Tesco鈥檚 efforts to improve its online availability, mobile app, click-and-collect service, rapid delivery, and Clubcard benefits, as well as opening new fulfilment centers. Sainsbury鈥檚 has also been investing in digital.

The latter can use the former to mitigate fraud by confirming the intended recipient's bank account. Interbank integration and solving blockchain interoperability issues set a path for continued growth. Crypto-based cross-border B2B success depends on integrating crypto solutions with traditional financial systems鈥攕omething Visa is facilitating by tapping thousands of existing bank partnerships.

This may provide an opening for Microsoft, Sony, Epic Games, and others to create third-party game stores on mobile. Privacy rules lead to more hybrid monetization strategies. Mobile gaming is traditionally centered on hypercasual games using simple game structures, no fees, and monetization strictly through mobile ads.

But of the 53 million installs worldwide, active usage remained low, with only 9% of its Android-installed base opening the app daily. Mastodon, meanwhile, has seen downloads crater following impressive growth last year.

A) Security and fraud protection features B) Quality customer service C) Mobile and online access D) Low fees on checking and other accounts.

On today鈥檚 podcast episode, we discuss the future of the bank branch. 鈥� In our 鈥淗eadlines鈥� segment, we chat about why banks are closing so many branches and how consumers want more digital experiences. 鈥� In 鈥淪tory by Numbers,鈥� we explain what Curinos defines as branch share and why it used to account for more primary new accounts than it does today. We also discuss the value of closing a branch in order to save operating expenses in a low-rate versus high-rate environment. 鈥� In 鈥淧retend CEO,鈥� we look at regional banks and their deposit portfolios in a high-rate environment. Listen to the discussion with host Rob Rubin and Curinos director Andrew Hovet.

Even by 2030, retail players may account for only 5% to 10% of total primary care in the US, according to a July 2022 analysis from Bain & Company. How should traditional providers respond to retailers鈥� healthcare ventures? Be willing to partner with retailers.

Together, these three companies will account for 68.5% of retail membership revenues this year. But there is some hope for smaller players, as the trio's combined share has decreased over time. Amazon Prime fees will account for more than half (53.1%) of all retail membership revenues in 2023, but it鈥檚 slowly trending downward.

Any duplicate, fake, or business accounts on social networks are not counted toward user estimates. Our methodology incorporates ongoing qualitative trends and changes in major company initiatives, partnerships, and innovations to deliver an estimate of how social network adoption is expected to develop. All of our estimates take into account the effects of the coronavirus pandemic.

This category, which includes real-time account-to-account (A2A) transfers, saw US revenues grow more than 60% 鈥渙ff a relatively small base鈥� in 2021, per McKinsey.

Real-Time Account-to-Account (A2A) Payments Grow in Penetration, Intensify Competition. Fast-payments growth is thriving as demand booms. B2B, healthcare, P2P, and internet payments have propelled ACH growth across speeds. But rising interest in implementation of real-time payments could help broaden the use cases for ACH transfers.

And they may face additional competition if carmakers provide an opening for the Overture Maps Foundation, a rival map system founded by Meta, Microsoft, Amazon Web Services (AWS), and TomTom. Voice assistants may play an increasing role in search.

Kind of similar to opening statements, if you will, but much more in depth, longer versions of those. And then at the end we'll talk about some of the potential outcomes. Evelyn, the DOJ's case against Google, you said there are four pillars. Let's take the first. Evelyn (08:12):. All right.

In 2024, the company鈥檚 third-party revenues will account for 73.4% of total US retail ecommerce marketplace sales. That鈥檚 up 5 percentage points from 2020鈥檚 figure. Its marketplace sales dwarf those of Walmart, its nearest mixed first- and third-party competitor, as well as those of pure marketplace player eBay. Amazon Prime fuels its marketplace dominance.

Almost two-thirds of drivers will drive connected cars this year, per our forecast, opening the door for payment providers to enable more vehicle-based commerce. This could boost spending in adjacent categories like fuel, parking, and order-ahead dining, especially as brands like Chevron and Panera Bread partner with automakers and connected car tech providers. Interest in Voice Payment Tech Wanes.