Affirm announced 0% Days, a three-day promotion running from October 22-24 for eligible Affirm consumers, guaranteeing 0% interest and no late fees for shopping completed through the Affirm app or Affirm Card. Affirm’s inability to compete with rewards from either PayPal or card-linked installment plans may stymie its promotion’s success. If it can expand its merchant partnerships to offer better cash back at more in-demand retailers, Affirm may be able to win over consumers who may have otherwise chosen another provider for their seasonal shopping.
Ent Credit Union, a Colorado financial institution (FI) with $10.1 billion in assets, has selected Lumin Digital as its new digital banking platform. Lumin Digital is one of at least 15 digital banking platforms in the US, that compete with the core providers, particularly Fiserv and Jack Henry for smaller banks. Focusing their limited resources on digital improvements that personalize the customer experience can help smaller FIs better compete with their larger peers. Partnering with the right digital banking platforms will make this possible.
A Yext analysis of 6.8 million citations across ChatGPT, Gemini, and Perplexity found that 86% of AI-generated answers rely on brand-managed content—from official websites and listings to reviews. First-party sites led with 44% of citations, followed by listings (42%) and reviews (8%). The findings suggest AI models increasingly trust structured, authoritative data over publisher or community sources. But fewer users click through—only 8% from AI summaries versus 15% from standard search—indicating that generative platforms are capturing more engagement directly. To stay discoverable, marketers must pair clean, structured first-party data with strong social visibility as AI search reshapes traffic flows.
GumGum’s CMO Kerel Cooper says contextual advertising has shifted from an education hurdle to a growth engine. In an EMARKETER interview at Advertising Week New York, he described how AI now interprets full-page or frame-by-frame context, allowing brands to reach audiences based on meaning rather than identity. As cookies fade, contextual ads offer privacy-safe precision and brand safety at scale. Cooper calls this “mindset marketing”—targeting users in the right headspace, not just the right demo. With the open web regaining advertiser trust and AI powering deeper relevance, contextual targeting is emerging as the foundation of a healthier ad ecosystem.
Technological advancements are set to transform the automotive industry's cost structure, with managers forecasting 30% efficiency gains within five years, per Bain & Company. Through advanced technologies like digital platforms, intelligence automation, and a fabless future, carmakers can make significant productivity improvements. Successful automotive companies will be defined by their ability to embed technology to solve core problems. To compete, brands must focus on high-impact use cases, build a clean and integrated data backbone, and radically rethink their operating models to prioritize speed and scalability.
Amazon added JPMorgan Chase, Santander, and Wells Fargo as financing partners for used vehicles on Amazon Auto, per Automotive News. Those banks now offer auto loans through the platform, which lets buyers apply for auto loans via Amazon in cities where sellers list used vehicles. The latest Amazon Auto partnerships illustrate embedded finance’s ascendancy into the mainstream. Megabanks and large regional banks will continue to participate in dedicated embedded finance partnerships, particularly with partners that need scale—demonstrating the maturity of a business model that 10 years ago didn’t even have a name.
PepsiCo is scrambling to overhaul its portfolio in response to pressure from the “Make America Healthy Again” movement and activist investor Elliott Investment Management. CPG giants like PepsiCo are having a difficult time staying current with the rapidly shifting food landscape. Food trends are emerging faster than ever, while few last the test of time—making it challenging for brands to determine where to focus their resources. As the trend cycle speeds up, CPGs must be nimble to avoid losing share. Selling off non-core assets and splitting up could help reduce organizational bloat, but companies must also prioritize innovation to ensure they can stay relevant as demand shifts.
Novo Nordisk lost its federal appeals court challenge of the prescription drug price negotiation program in the Biden-era Inflation Reduction Act (IRA) prescription drug price negotiation program, which could open the door for even more price checks. We see a path where the current administration revamps, or simply rebrands, IRA price negotiations as CMS negotiations to save taxpayer money and help consumers. Brands under pressure to drop prices through the IRA and executive orders should continue those good–faith efforts but also encourage the administration to put the same pressure on insurance companies and pharmaceutical benefit managers to lower healthcare costs.
Most US consumers are already using digital tools for healthcare purposes, but three-quarters would prefer more personalized solutions, per a new Harris Poll sponsored by Verily. Healthcare marketers and brands need to use generative AI (genAI) tools, like remote monitoring, predictive analysis, and chatbots, to deliver personalized consumer experiences.
The Trump administration will opt against imposing tariffs on generic drug imports, according to The Wall Street Journal. Trump’s reprieve for generic drugmakers signals that brand-name medication imports won’t be spared from tariffs. Big Pharma brands that want to avoid Trump tariffs will have to follow Pfizer’s lead in striking deals with the administration. That will include lowering prices and cutting out industry middlemen like PBMs and insurers for some drugs and immediately starting to build more US manufacturing capability.
Linear TV and streaming have mastered how to present ad products alongside their top talent to win marketing dollars, and more audio players are following suit. On Monday, SiriusXM hosted “Built with Audio,” an upfront-style showcase scheduled around Advertising Week New York that packaged talent interviews and performances with executive presentations tailored to an audience of marketers.
Linear TV ad spending grew in Q3 despite total TV ad impressions declining, per iSpot data. Ad spend increased 4% YoY, reaching $8.77 billion—but total impressions fell 2.7% to 1.67 trillion. Total ad minutes rose 2.4% YoY to 5.3 million, driven by the rise of sports inventory. Marketers must understand that a successful ad strategy requires a balance— investing in linear to drive outcomes while slowly shifting toward CTV for better targeting and to align with audience viewing habits.
Entertainment brands are partnering with influencers to drive engagement with Hollywood properties, according to an Advertising Week New York panel of film and TV industry leaders and creators. While partnering with creators for Hollywood productions is especially important amid volatile box office revenues struggling to reach pre-pandemic levels, the panel’s insights stretch to all marketers working with influencers.
This sponsored article by Nielsen explores how advertising intelligence helps marketers close measurement gaps.
The number of video streaming services that users subscribe to is rebounding after a weak 2024, per TiVo’s Q2 2025 Video Trends, marking the sector’s resilience. A primary catalyst for that growth? Bundles. Consumers in the US and Canada paid for an average of seven video streaming services in Q2 2025, up from just five in Q2 2024. The fragmented network of streaming services means brands need to prioritize content type and context, not specific streamers, to best reach audiences. Collecting metadata on content’s genre, tone, and mood could help marketers best align placements with audience intent and emotion.
Amid a challenging economic climate, luxury brands seek new ways to prove value to and win over young shoppers. By serving food and drink alongside products, retailers are turning stores into places where consumers can linger, connect, and spend. Coach’s coffee strategy is a prime example.
Fast Retailing, the parent company of Uniqlo, reported record profits for the fiscal year ended August 31, with sales up 9.6% and operating income rising 12.6%, surpassing forecasts. Growth was driven by strong performance in North America and Europe, where revenues jumped 24.5% and 33.6%, respectively. As China’s economy slows, the company is accelerating expansion in Western markets with new flagship stores planned in major cities. Despite potential challenges from US tariffs, Uniqlo’s focus on value, strategic retail investment, and market discipline positions it to gain share as rivals face rising regulatory and cost pressures.
The search journey is becoming increasingly fragmented as consumers no longer trust the first answer they see and turn to various other resources for product recommendations and reviews. Nearly 90% of consumers in the US, the UK, France, and Germany now cross-check results across multiple platforms, per Yext’s The Rise of AI Search Archetypes report. Brands need to optimize for how AI tools act on their behalf, per Yext. CMOs should focus on ensuring AI tools interpret their data accurately and present it in the right contexts, which could come from succinct FAQ pages or concrete product listings that avoid vague descriptions.
Delta expects another record-breaking holiday season as the airline’s affluent customer base spends big on domestic and international travel. However, the travel industry is in a far more uncertain state than Delta’s upbeat earnings suggest. Softening demand from low- and middle-income consumers and international visitors is weighing heavily on the airline and hospitality industries, while the government shutdown could also prove painful.
In this podcast episode, we discuss how Primark’s US and UK customers see the brand differently, what’s kept the retailer relevant as price pressures have intensified competition, and why its famously store-first strategy is working so well. Listen to the discussion with Vice President of Content and guest host, Suzy Davidkhanian, Senior Analyst, Carina Perkins, and Head of US Marketing for Primark, Rene Federico.