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On-the-go travelers can access the feature via app to account for unforeseen financial problems. Issuers can thwart abuse by limiting the number of payment date changes. Fixed-fee installment options give premium travel credit cards similar appeal to no-interest BNPL services.

The feature can boost engagement among deal seekers and keep customers in the app. In-app browsing draws customers to the BNPL provider brand. Customers come to the BNPL app鈥攏ot the retailer鈥檚 app鈥攖o shop. Providers gain strategic leverage over retailers that they can monetize in the form of affiliate revenues and customer behavior data.

The challenge: Corporate-backed AI research often leans toward profitable applications rather than exploring ethical or societal impacts. It鈥檚 the key reason OpenAI has shifted away from a nonprofit to cash in on AI. Our take: Amazon鈥檚 $110 million commitment is a notable boost for AI research funding, but its benefits and influence must be weighed carefully.

Meta has an uphill battle in convincing P2P payees to abandon apps they love鈥攍ike Venmo and Cash App鈥攆or its own services. But if it can beat out regulatory hurdles, WhatsApp Pay has considerable potential in markets that have an emerging payments ecosystem and a lot of WhatsApp users.

Consumers aren鈥檛 ready to quit cash yet: The shift to digital delivery of services hasn鈥檛 relieved banks of their duty to manage cash鈥攑articularly if they鈥檙e seeking to win over cash-carrying millennials and Gen Zers.

The news: Salesforce is acquiring data management firm Own for $1.9 billion in cash, its largest deal since it purchased Slack for $27.7 billion in 2021. Own鈥檚 expertise in data backup, disaster recovery, and software-as-a-service (SaaS) app data management aligns with Salesforce鈥檚 growing focus on secure and resilient data services at a time of escalating cybersecurity threats.

If TikTok is banned, expect a flurry of activity from apps to cash in on its massive number of social buyers (33.3 million US social buyers ages 14 and older this year, per our forecast). And if it鈥檚 not, we expect it to tie with Facebook for the highest social buyer penetration by the end of 2023. 3. Retailers and consumers struggled to make sense of economic indicators.

What it means for Oura: Oura is linking up with Dexcom at a time when the company's cash infusion and marketing prowess will likely come in handy as the smart wearable maker looks to reach more customers鈥�80 million Americans currently use a health-related smart wearable, a figure that鈥檚 projected to rise to just over 88 million in 2027, per our forecast.

Travel is emerging as a prominent vertical in commerce media鈥攖he latest nonretail industry looking to cash in on the ad model that has proved lucrative for retailers. Airlines, ride-hailing apps, and online travel agencies are among companies across the travel ecosystem launching media networks powered by first-party data.

Customers that need 鈥渋nstant鈥� cash advances likely have less cash available than customers who don鈥檛. Surprising such customers with hidden fees misses the mark and was likely to result in negative PR.

Though that鈥檚 still a very small percentage, it sheds light on the generation鈥檚 reversion to the analog鈥攍ike how they save by stuffing cash in envelopes. Rather than inspiring more banking-by-mail options, this could inform banks鈥� marketing practices.

Apple will also let users switch their default contactless app. Access became available with the release of Apple鈥檚 iOS 18.1 update in October. This decision was first proposed in the EU in response to an antitrust investigation and was likely extended to the US due to a similar suit from the Department of Justice. Apple went all in on feature innovation for Apple Cash.

A revamped Global Seller Center site and app provide onboarding for eligible sellers in any market so they can sell internationally. Walmart Marketplace Capital is offering qualified sellers cash advances to help them scale during the holidays.

The new rule covers funds sent via bank transfers, but it doesn鈥檛 include cash, check, or card payments. Banks are allowed but aren鈥檛 required to charge customers a 拢100 fee for each fraud claim. The fee is meant to help them recoup the time and money spent investigating claims.

A former schoolteacher from Texas got back just $500 of the more than $282,000 she had deposited in fintech app Yotta, which was partnered with Evolve. Some Evolve customers received less than $1 on deposits over $10,000.

Despite businesses鈥� dissatisfaction with borrowing costs, 87% say they have good credit access, with a high approval rate (86%) for recent credit applications. But customers with debt showed markedly lower satisfaction, which could indicate increased stress due to the greater economic pressures they face. Which bank performed best?

A receipt-scanning feature in the E.l.f. app helps facilitate the feature and drives repeat usage. And for reward redemption, the brand recognizes member feedback with options including cash payouts via Venmo or PayPal and gift cards from Amazon, Target, Walmart, and Visa. Consumers seek a smoother path to rewards and expanded options for redemption.

Amazon Fresh is offering shoppers 鈥淕ame Day Groceries鈥� deals, such as $3.99 frozen apps like TGI Fridays spinach and artichoke cheese dip and 3 for $12 snacks like party-size bags of Doritos and Tostitos salsa. Walmart is featuring a 鈥淕ame Day鈥� discount bundle that aims to serve up to eight people for about $8 per person.

Encourage a subscription audit: Prompt customers to review their bank statements or budgeting apps for recurring charges. Remind them of the value of canceling unused subscriptions, and make sure they know about the automated tools their FI offers.

That includes hyper-personalized suggestions based on purchase history and cash flow. Consumer and merchant adoption will open new revenue doors for payment providers. GenAI can increase personalization and reduce friction at checkout. These are some of the most wanted retail innovations among consumers worldwide.

By the numbers: Remittance recipients rely on both digital and in-person avenues to collect their money. 44% of remittance senders said their friends or family receive transfers directly to a bank account, per a MoneyGram survey conducted in June 2024. 38% said they receive the money in an app or digital wallet. And 38% said they receive the remittance at a walk-in location.

BNPL providers approved 79% of applications in 2022 thanks to counteroffers for subprime borrowers