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MoneyGram app users can now buy, sell, or hold cryptos. Here鈥檚 how that can help drive engagement and boost its digital remittance business.

No matter how much is spent, it costs a fortune in cash and over-frequency to push much past 50% national reach in linear. Pitfall #3: Duplicating your linear and streaming audiences. With few sources of authoritative data about audiences in AVOD, identifying which apps add incremental reach can be a matter of guesswork.

Asda is leveraging AI for its Asda Rewards program, which enables shoppers to add to their 鈥渃补蝉丑 pot鈥� by completing in-app missions and buying designated products. Carrefour uses AI for its Challenges initiative. The technology generates individual thresholds and goals for members of the MyClub loyalty program, based on purchase history and preferences.

A customer who is paying off a loan would be prompted to restructure their debt to increase their cash flow or reduce interest payments. A recently retired customer would receive a recommendation for a high-yield savings account. Prescriptive features will spur consumers from good intentions into action. What bad financial habit is hurting the consumer?

This lets them offer money management tools, including alerts about potential cash shortfalls as well as digital tools for cash flow management, forecasting, and budgeting.

The bottom line: Musk wants to turn Twitter into X, a super app modeled on China鈥檚 WeChat that would offer money market accounts, payments, and shopping. But the project will face intense regulatory scrutiny and the company first has to deal with adverse publicity and defecting users.

This lets them offer money management tools, including alerts about potential cash shortfalls as well as digital tools for cash flow management, forecasting, and budgeting. Sources. Alkami Technology. Bankrate. BankTech Ventures. Computer Services Inc. (CSI). Conference of State Bank Supervisors (CSBS). Cornerstone Advisors. Federal Reserve. Financial Services Forum. Gartner. J.D. Power. Klaros Group.

Payment companies are no strangers to cross-selling within their own apps. Still, as consumers complete more tasks that used to be done on a desktop on their phones鈥攍ike buying plane tickets or even cars鈥攊ssuers have more opportunities to get their ads in front of consumers. For example, an issuer could advertise on a travel-related app about its travel credit cards. Sources. American Express.

The challenge: Roku needs users who buy its devices to access subscription apps like Netflix, Hulu, and Prime Video to spend more time exploring the free material available on the Roku Channel, which contains 40,000 movies and TV series and 150 linear channels.

Mobile peer-to-peer payments will continue maturing as customers replace cash and checks with digital alternatives. Spending will surpass $1.4 trillion, with over 3 in 5 smartphone users adopting the tech. Wallet providers will now fight to lock in users, in hopes of growing engagement and diversifying revenues. They鈥檒l expand their offerings, with an eye toward a super app model.

That means banks that go against the grain could strengthen their relationships with Gen Z by expanding their ATM presence, allowing users to easily find the nearest in-network ATM location through mobile apps, and marketing their dedication to ATMs.

When encouraging app users to join its workforce, Instacart used a 鈥淲ork for Instacart鈥� ad that went to a quiz to help prospects learn more and provided Instacart with insight about those considering the job. Quiz questions included 鈥淲hat are you looking for in your next role?鈥� with 鈥淚 want to make extra 肠补蝉丑鈥� as a response for users to rate on a scale from 鈥渟trongly disagree鈥� to 鈥渟trongly agree.鈥�.

Apps and social media hold the most sway during discovery. Banks鈥� mobile apps get top billing in raising younger consumers鈥� awareness of banks鈥� offerings. Almost 80% of Gen Zers and millennials on average say this channel helps them become aware of banks鈥� products and services. Social media has younger consumers鈥� mindshare.

They鈥檙e using those learnings to make money directly from their audiences and competing directly with brands for consumers鈥� cash. But brand deals will remain the No. 1 way creators monetize. A long-term brand partnership is still the most lucrative and sustainable monetization tactic for most creators.

颁辞蝉尘别迟颈肠蝉鈥� mobile app for its Beauty Squad program incorporates two features: receipt scanning for non-app purchases, to ensure that members can obtain rewards wherever they shop for the brand鈥檚 products; and an innovative personalized reward system with options including cash payouts via Venmo or PayPal and gift cards from Chipotle, Amazon, Target, and others.

It will allow employees to cash out the shares that they have accumulated, and listed shares may also make it more attractive to potential employees looking at private startups whose shares cannot be publicly traded. The technology: Instacart sees technology as the key way it can distinguish itself from competitors such as DoorDash.

But only select players, such as those in the financial sector, have the cash and margins needed to make acquisitions without much fretting. Commerce media players will turn their attention to creating additional owned ad inventory wherever they can.

At the end of July, completing its Metromile acquisition brought Lemonade $155 million in cash, over $110 million in car premiums, a tech-driven insurance firm with 49 state licenses, and data from 500 million car trips.

with at the cash register.

Payment service providers competing to serve small and medium-sized businesses have a new opportunity to win them over with cutting-edge payment, cash flow, capital, and marketing tools.

Account aggregation: View balances and transactions from accounts at other banks in the app. Calculate credit score impact: Input factors such as new lending products, additional spending, or completed payments to simulate how the changes will affect credit score. Cash flow prediction: See an account balance projection given predicted upcoming income and expenses, not limited to scheduled payments.

These include viewing and canceling subscriptions for services like Netflix and getting cash flow predictions. Gen Zers also want tools to simplify financial planning. They place greater value than older generations on mobile features that could help them pay for higher education, run a business, and retire comfortably. How can banks tailor their financial education strategies for Gen Z?

Many merchants are really strapped for cash flow. And right now, their payment providers determine when they get their money. But now, many providers let merchants get paid instantaneously鈥攅ven on weekends or after hours. Click here to read the full Q&A.

Low fees aren鈥檛 always the highest priority anymore, and 60% of millennials and Gen Zers said they'd switch banks for a better digital experience, better rates, or better cash incentives and rewards, according to MoneyWise. Banks have also realized the importance of ESG and sustainable banking to the Gen Z cohort.

But Beijing has been cracking down on Big Tech, which could make apps harder to use and less appealing to customers. That might draw customers to the digital yuan (e-CNY): The government reported 261 million enrollees, and 1 in 5 adults in China have downloaded the official e-CNY app, per Morning Consult.