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With the rise of buy now, pay later services and alternative currencies, shopping is more frictionless than ever. These innovations make it easier for consumers to purchase what they need, when they need it, enhancing the overall shopping experience. AI-driven personalization: Advanced AI analyzes consumer behavior and preferences, delivering highly targeted holiday shopping offers.

BNPL is a threat to market share鈥攂ut an overblown one. Like private label credit cards, BNPL gives consumers quick access to credit. Most BNPL providers don鈥檛 conduct a hard credit check, making it an alternative for consumers with lower or no credit scores. BNPL use is quickly growing, especially among lower-income consumers.

BNPL will mature as providers target Gen Z with shopping app features. BNPL is thriving as adoption grows across generations. Gen Zers are the most frequent BNPL users, but adoption is accelerating across age groups as high interest rates make borrowing on credit cards expensive.

Nontraditional healthcare companies will account for one-third of the primary care market by 2030: But some retailers and startups have struggled to make inroads鈥攁 cautionary tale for healthcare entrants.

Proximity mobile payments are on a growth tear, driven by strong spend per user. Here鈥檚 how providers are using wallet integration and new features to make proximity payments stickier.

The growing popularity of digital wallets will also boost buy now, pay later (BNPL) transactions. Europe has the largest regional share of BNPL ecommerce transaction values in the world, according to FIS. And despite new rules around BNPL in Europe, innovation continues: The EPI is set to integrate a 鈥渞esponsible鈥� BNPL solution into its pan-European digital wallet.

Amazon, Target, and malls were among this year鈥檚 Cyber Five winners: Roughly 197 million people shopped this year鈥檚 sales, leading to a surge in online and in-store spending.

Some 54% of 25- to 34-year-olds and 44% of 16- to 24-year-olds are likely to seek out brands offering arrangements such as buy now, pay later (BNPL) and other options, per a May 2023 survey of consumers in Europe by Vodeno and Aion Bank. Clothing and footwear is the top category for cross-border shopping. Apparel is the biggest category for cross-border shopping by some margin.

I guess there's no option for using buy now, pay later, and forgetting to pay. Suzy Davidkhanian:. There was. Oh, not the forgetting to pay. Buy now, pay later from how they're going to manage the increases and this tension was ranked, but it was the lowest ranking option. Paul Verna:. Okay. Suzy Davidkhanian:. But what I thought was really interesting was a term I hadn't heard before.

They also maybe will spend the money they don't have if we get a rate cut [00:06:00] because they'll be interested in putting things on credit or indulging in buy now, pay later. Sky Canaves: Right. And buy now, pay later is still very strong in the holidays.

These include money management account and credit cards for merchants, as well as buy now, pay later (BNPL) installment and financing options for their customers. Legacy acquirers will respond with evolving payfac solutions. This will help them grow overall transaction value and maintain SMB relationships, which can lead to software sales.

You've got buy now, pay later players who would love to be able to get in store utilizing NFC. All of these entities thereby can make money on the interchange because it'll be with their own issued cards. So don't forget that. Rob Rubin:. You know what? For fun, let's take these four predictions that we just talked about and rank them each for likeliness to come true.

Shoppers also took full advantage of flexible payment options: Buy now pay later accounted for 7.6% of online orders, or $1.08 billion of spending, an increase of 16.4% YoY, per Adobe. Sellers push back: While Prime Day was a success from a spending standpoint, events leading up to and during the sale exposed the growing tensions between Amazon and its sellers.