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In 2023, more providers could roll out programs like Klarna鈥檚 rewards club, which lets customers earn points simultaneously with Klarna and with retailers鈥� own programs. Read the full report.

Amazon, Walmart, Google, and Klarna lean into generative AI. Amazon turns to generative AI to improve the search experience. Methodology: Data is from a November 2023 SurveyMonkey survey. 1,096 US adults ages 18+ were surveyed online during October 30, 2023.

Why Klarna is making an omnichannel push ahead of the holidays. How Walmart, Trader Joe鈥檚, and Target boost holiday impulse purchases.

Instacart, Klarna, Shopify deepen ties with ChatGPT. Yesterday鈥檚 Chart of the Day: Funnel vision. Methodology: Estimates are based on the analysis of data from other research firms and government agencies, historical trends, reported and estimated revenues of major online retailers, consumer online buying trends, and macro-level economic conditions.

Klarna. KPMG. Mastercard. Mollie. NTT DATA. Opinium. PwC. PYMTS.com. Storyblok. Tink. Toluna. Yapily. YouGov. ZIPZERO.

More Chart of the Day:. 8/24 - The rise and fall of ecommerce growth. 8/23 - Programmatic OOH watch. 8/22 - Gen Z鈥檚 social motivators. 8/21 - Buying into Klarna. 8/18 - Agencies in review.

Instacart, Klarna, Shopify deepen ties with ChatGPT. 7 tips for using ChatGPT to enhance SEO (without replacing people). Yesterday鈥檚 Chart of the Day: Rebound in aisle 5.

Why Klarna is making an omnichannel push ahead of the holidays. Early sales, BNPL use will help drive robust holiday spending growth this year. Cost concerns are top of mind for this year鈥檚 holiday shoppers. Methodology: Data is from a September 2023 Morning Consult survey as cited in company blog. 2,223 US adults ages 18+ were surveyed online during August 31-September 3, 2023.

BNPL providers like Affirm and Klarna, which are already popular with Gen Z, have also launched debit cards to capture more spending volume.

Expect to see more financial institutions experimenting with shopping platforms, the way Klarna has, and building off-site partnerships. Use this chart:. Identify the trend toward institutions with first-party data building their own media networks. Consider allocating ad spend to FMNs. More like this:.

More Chart of the Day:. 8/22 - Gen Z鈥檚 social motivators. 8/21 - Buying into Klarna. 8/18 - Agencies in review. 8/17 - Marketing measurement mix-ups. 8/16 - Digital out-of-home climbs. Note: Data was provided to Insider Intelligence by Place Exchange. Methodology: Data is from the July 2023 Place Exchange "H1 2023 Place Exchange Programmatic OOH Trends Report."

More Chart of the Day:. 8/21 - Buying into Klarna. 8/18 - Agencies in review. 8/17 - Marketing measurement mix-ups. 8/16 - Digital out-of-home climbs. 8/15 - The social generation. Methodology: Data is from the July 2023 Insider Intelligence | eMarketer "US Gen Z social media survey 2023." 1,005 US Gen Z social media users ages 15-26 were surveyed online during July 13-21, 2023.

A handful of FIs, including Klarna and Revolut, have been developing FMNs since 2023. But in spring 2024, financial titans Chase and PayPal each launched one, positioning FMNs as an industry game changer. Growing demand and regulatory clarity will encourage more FMN launches this year.

As more apps explore chatbots or pursue super app strategies, like Klarna and X are, they鈥檒l introduce more shopping-related ads. But a couple of pieces need to be in place: the successful introduction of a marketplace, and consumers who use the site for browsing. Premium chatbots, such as Snap鈥檚 My AI, also could help in ad targeting and delivery.

Retailers and marketplaces can take advantage of ChatGPT to build their own chatbots for planning trips (with Kayak), outfits (with Klarna), meals (with Instacart), and more. These plug-ins have a strong monetization case, pushing users past idea generation into buying tickets, clothing, and food.

Klarna predicts its AI assistant will drive a $40 million profit improvement in 2024. In its first month, Klarna鈥檚 genAI-powered assistant handled two-thirds of its customer service chats, doing the equivalent work of 700 full-time agents. Read the full report, Generative AI Chatbots in Retail.

More Chart of the Day:. 8/25 - Social video slows. 8/24 - The rise and fall of ecommerce growth. 8/23 - Programmatic OOH watch. 8/22 - Gen Z鈥檚 social motivators. 8/21 - Buying into Klarna. Note: A digital commerce platform is a comprehensive software that enables businesses to build digital storefronts and facilitates online transactions.

Klarna. SaleCycle. Sapio Research. Software Advice. Toluna.

ChatGPT creator OpenAI just announced partnerships with Instacart, Klarna, OpenTable, and more, opening exploration of the AI technology into new business implementations. For now, Shopify and Instacart are using ChatGPT to create shopping assistance chatbots.

When they do buy and browse online, millennials are looking at brand accounts rather than influencer or retailer accounts, according to Klarna. Influencer culture is often considered a millennial concept because that鈥檚 where it began, but millennials are more comfortable with the info delivered from brands. Don鈥檛 sink your full social budget into creators.

That may be why some BNPL providers, like Klarna, are establishing partnerships or launching services to offer consumers financial literacy education. What鈥檚 next? The CFPB wants to understand whether using BNPL improves or exacerbates the financial health of consumers under economic distress. Further research could determine how the government moves forward with regulating BNPL providers.

Why Klarna is making an omnichannel push ahead of the holidays. Pinterest鈥檚 director of strategy on how consumers use its platform to discover and buy products. How Walmart, Trader Joe鈥檚, and Target boost holiday impulse purchases. Note: Data was provided to Insider Intelligence | eMarketer by Bizrate Insights.

Klarna has a plug-in for shopping, which gives consumers recommendations based on their product preferences and budget. That鈥檚 just a limited selection of what will become a massive library of ChatGPT plug-ins as the tech transforms from a chat portal into something that looks more like a platform. The ad potential.

Klarna Bank CEO Sebastian Siemiatkowski told Bloomberg TV that all employees at the Swedish buy now, pay later fintech are offered a ChatGPT-4 account and encouraged to experiment with the new tech. 鈥嬧��

Klarna. Payment Systems Regulator. PwC. Transact Payments Limited. Venmo.