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Canada鈥檚 banking landscape is evolving, with digital account opening growth continuing to slow over the next four years. To capture what growth remains, banks must focus on delivering the most in-demand offerings.

Airline and hotel co-brand credit cards are contending with shifting travel spending trends and rising competition from general travel cards. Tapping into Gen Z鈥檚 love of experiences and exclusivity can help them stand out in a crowded field.

Remittances represent a large share of global payments and will keep growing鈥攁lthough at a flat rate. Traditional money transfer organizations have to fight harder for a share of the prize as digital-only entrants have stepped up the competition.

When we asked US banking customers how they felt about their banks using AI to improve their banking experience, attitudes were mixed鈥攁nd often sharply divided along demographic lines.

Reeling from 2024鈥檚 challenges, financial institutions must embrace bold strategies in 2025 to future-proof their businesses in a landscape plagued by economic, competitive, and regulatory pressures.

From revolutionizing logistics and digital payments to capturing a major share of ecommerce and retail media ad revenues, Mercado Libre has profoundly reshaped Latin America鈥檚 digital economy.

Our second annual study of US banking consumers reveals the key characteristics that make each generation鈥檚 customer journey unique. Banks can tailor their acquisition and retention strategies accordingly.

As penetration weakens and margins shrink, insurers across business lines will prioritize emerging growth areas in 2025鈥攊ncluding novel technologies鈥攕trategic marketing efforts, and leveraging favorable legislative changes.

Our exclusive survey data reveals what鈥檚 shaping US banking consumers鈥� customer journeys today. Banks can use these five charts to identify opportunities to improve customer acquisition and retention.

Consumer payment method choice will expand in 2025 as real-time 鈥減ay by bank,鈥� iPhone NFC access, and digital credentials take center stage. And financial media networks will turn more payment providers into marketers.

Gen Zers are driving growth in both emerging and traditional payment methods as they embrace cards, BNPL, and digital wallets. Payment providers must now align their offerings with Gen Z鈥檚 preferences as the cohort鈥檚 spending power grows.

Peru is Latin America鈥檚 fifth-largest retail ecommerce market by total sales volume. Although social unrest has stymied online sales growth over the past two years, the country has the potential to become a formidable multibillion-dollar ecommerce player in the region.

Understanding the nuances of how and where Colombia鈥檚 13.4 million digital buyers spend online is crucial for brands and retailers seeking a competitive edge in this emerging market.

Our eighth annual study reveals which of the 10 largest US banks lead in mobile app innovation, based on an exclusive survey of which features mobile banking users value most.

Chile is the fourth-largest retail ecommerce market by total sales and will be the No. 4 fastest-growing digital economy in Latin America. Understanding Chile鈥檚 11.0 million digital buyers is essential for brands and retailers looking to capitalize on this resurging ecommerce market.鈥�

Argentina's ongoing macroeconomic challenges and triple-digit inflation rates have curbed online consumer spending. However, pockets of growth opportunities still exist.

US retail sales via mobile wallets are growing much faster than overall sales. To meet this demand, wallet providers must address consumer expectations and solve growth hurdles.

Understanding the nuances of how and where Mexico鈥檚 67.5 million digital buyers spend their money online is key for brands and retailers to succeed in this thriving ecommerce market.鈥�

From the rise of sophisticated AI-driven tools to new policies reshaping data privacy and competition, 2025 promises to be a year of relentless change. Companies that adapt will thrive, while others risk being left behind in a swiftly moving market.

As connected car technologies go mainstream, opportunities for advertisers are expanding. But success depends on balancing innovation with consumer privacy concerns and security challenges.

Traditional indemnity insurance isn鈥檛 keeping pace with climate change fallout, forcing P&C insurers to withdraw coverage from affected areas. Data-driven parametric insurance can help them plug coverage gaps and defend profits.

US financial institutions (FIs) will face low digital account growth over the next few years. But some customer groups will have higher growth potential than others, and FIs must understand how to build relationships with them.

Gen Z leads in digital usage by most proportional measures. However, social network use cuts across categories, influencing video viewing and digital buying.

Generative AI gives payment providers unprecedented tools to create a more personalized purchase journey for consumers, but some use cases are easier to implement than others.

The economy is still under pressure, but investment in digital advertising will continue apace. Retail will continue to lead the ranking for total spend. Travel will lead in terms of growth, followed closely by CPG and retail.