Behind the Numbers: The Banking & Payments Show

Join industry experts on Behind the Numbers: The Banking & Payments Show as we take a compelling deep dive into the world of cryptocurrencies. Explore the market's rebound, analyze EMARKETER’s predictions, and unravel the dynamics behind the soaring values. This episode brings to light the phenomenal recovery of Bitcoin, reaching an unprecedented $69,000 peak, bouncing back from 2022's dramatic downturn. Delve into the critical factors propelling cryptocurrencies to new heights and the significant role of 'halving' in sustaining this momentum. In our engaging 'Headlines' feature, we dissect the factors contributing to the resurgence of crypto values, examining the critical elements that influence market highs. The 'For Argument’s Sake' segment ignites a thought-provoking debate on the practical uses of cryptocurrencies, with a spotlight on Bitcoin. Expert analysts, Grace Broadbent, and Tyler Van Dyke, join host, Rob Rubin, to offer their insights into the currency's real-world applications. Key Insights: - Cryptocurrencies are witnessing a remarkable revival, with Bitcoin leading the charge by hitting an all-time high. - Market analysts and enthusiasts are keenly observing the impact of 'halving' events on cryptocurrency values. - A detailed analysis of the utility and real-world application of cryptocurrencies fuels a spirited debate, underlining the digital currency's role in the current financial landscape. Follow us on Instagram at: https://www.instagram.com/insiderintelligence/ For sponsorship opportunities contact us: advertising@emarketer.com. For more information visit: https://www.insiderintelligence.com/contact/advertise/ Have questions or just want to say hi? Drop us a line at podcast@emarketer.com For a transcript of this episode click here: https://www.emarketer.com/content/podcast-banking-payments-show-crypto-renaissance © 2024 EMARKETER Walmart Connect helps brands connect with our customers more often and more meaningfully than ever before to accelerate shared growth. As the closed-loop media business of America's largest omnichannel retailer, Walmart Connect offers unparalleled opportunities for brands to reach their desired customers no matter where, how, and when they shop. For additional information, visit walmartconnect.com.

Discover the dynamic shift toward digital wallets in the US and the UK in the latest podcast episode of "Behind the Numbers: The Banking & Payments Show." Delve into the compelling discourse on how younger generations' move to digital is rendering traditional wallets obsolete. Join host Rob Rubin, our US-based analyst Tyler Van Dyke, and UK-based analyst Carina Perkins as they unravel trends in digital transactions for dining, shopping, and ID verification. In the "For Argument's Sake" section, we dissect the fierce competition for market dominance among industry giants like Apple and Google, established players like PayPal, rising star Paze, and potential disruptors. Tune in for a forward-looking conversation and hit subscribe for the latest insights. Key insights: - Youth-led shift: Analysis reveals a robust trend among younger consumers pivoting to digital wallets for everyday activities, indicating a cultural and technological shift. - Market dominance debate: We uncover the strategic moves by tech titans and emergent challengers vying to capture the largest share of digital wallet users. - Cross-Atlantic perspectives: Insights from US and UK analysts present a diverse view on the adoption of digital wallets, offering a broader understanding of the global digital economy. Follow us on Instagram at: https://www.instagram.com/insiderintelligence/ For sponsorship opportunities contact us: advertising@emarketer.com. For more information visit: https://www.insiderintelligence.com/contact/advertise/ Have questions or just want to say hi? Drop us a line at podcast@emarketer.com For a transcript of this episode click here: https://www.emarketer.com/content/podcast-banking-payments-show-us-uk-digital-wallet-evolution?_gl=1*aug5lj*_ga*MTc1OTI2OTQ5LjE2NzEwNzIyNDA.*_ga_XXYLHB9SXG*MTcxMDc4NDEyMi4xODIuMC4xNzEwNzg0MTIyLjYwLjAuMA..*_gcl_au*NDU5MjcwMTcwLjE3MTA0MjQzMjMuMjAzNjk5MTE3Ni4xNzEwNTEwNDMxLjE3MTA1MTA0MzE.&_ga=2.264557775.1972204615.1710784122-175926949.1671072240#_gl=1*57s9l2*_gcl_au*NDU5MjcwMTcwLjE3MTA0MjQzMjMuMjAzNjk5MTE3Ni4xNzEwNTEwNDMxLjE3MTA1MTA0MzE. © 2024 EMARKETER

In this podcast episode, host Rob Rubin, alongside our analysts Lauren Ashcraft and Maria Elm, unveil the findings of EMARKETER’s latest mobile banking app benchmark report. They delve into the frontier of banking technology, spotlighting the breakthrough features that are shaping the industry this year. The discussion pinpoints the five key features that consumers consider indispensable and unpacks the potential game changers that may take center stage in the future of mobile banking. The episode also introduces a new segment titled "Who Ranked Best," where the team provides a detailed ranking of the top 10 banks, with an in-depth analysis of what sets the top five apart. This engaging conversation is packed with vital information for both consumers and industry professionals looking to stay ahead in the dynamic world of mobile banking. Tune in to explore: - The cutting-edge features that are redefining user experience in mobile banking apps - Consumer favorites: The top five features you should look for in your mobile banking app - The future of mobile banking: Innovations that are on the horizon - Exclusive rankings: Find out which banks are leading the mobile banking sector in "Who Ranked Best" - Expert commentary from Rob Rubin, Maria Elm, and Lauren Ashcraft, providing in-depth analysis of the report's results. Follow us on Instagram at: https://www.instagram.com/insiderintelligence/ For sponsorship opportunities contact us: advertising@emarketer.com. For more information visit: https://www.insiderintelligence.com/contact/advertise/ Have questions or just want to say hi? Drop us a line at podcast@emarketer.com For a transcript of this episode click here: https://www.insiderintelligence.com/content/podcast-banking-payments-show-who-won-our-mobile-banking-app-benchmark © 2024 Insider Intelligence

On this podcast episode, we explore the deployment of AI in payments in 2024. First, we discuss the most impactful use cases for AI in payments, such as fraud detection and prevention, false declines and purchase conversion, B2B payments, enhanced customer service, and digital wallets. In our "For Argument’s Sake" segment, we rank these use cases in order of impact and debate our decisions. Join the conversation with host Rob Rubin, our analyst David Morris, and Angela Murphy, PhD, client partner at Persistent Systems. Follow us on Instagram at: https://www.instagram.com/insiderintelligence/ For sponsorship opportunities contact us: advertising@insiderintelligence.com For more information visit: https://www.insiderintelligence.com/contact/advertise/ Have questions or just want to say hi? Drop us a line at podcast@emarketer.com For a transcript of this episode click here: https://www.insiderintelligence.com/content/podcast-banking-payments-show-ai-payments-2024 © 2024 Insider Intelligence

On the podcast we discuss what to expect as banks deploy more AI in 2024. We chat about several use cases for AI, like customer service and chatbots, personalized banking services, fraud detection and prevention, credit scoring and risk assessment, as well as personalized marketing. In “Place Your Bets,” we distribute 10 points to four predictions in order to rank the relative likeliness that each one will come true. We rank the following to see which is most likely to happen in 2024: news stories about overzealous chatbots stops banks from rolling them out, regulators squash attempts to use AI for investment advice, the deployment of AI enables banks to initiate massive layoffs, and small banks and credit unions are able to win more customers because of their deployment of AI for customer service. Listen to the conversation with host Rob Rubin and our analysts Jacob Bourne and Gadjo Sevilla. Follow us on Instagram at: https://www.instagram.com/insiderintelligence/ For sponsorship opportunities contact us: advertising@insiderintelligence.com For more information visit: https://www.insiderintelligence.com/contact/advertise/ Have questions or just want to say hi? Drop us a line at podcast@emarketer.com For a transcript of this episode click here: https://www.insiderintelligence.com/content/podcast-banking-payments-show-ai-banking-2024 © 2024 Insider Intelligence

On today’s episode of The Banking & Payments Show podcast, we discuss the most important banking trends that we expect to see in 2024. We examine the big headlines from our Banking Trends to Watch in 2024 report, such as risky banking as a service partnerships, the social media players pushing the boundaries of banking, the disruption caused by AI and new developments with digital wallets. In a new segment called "Place Your Bets," using a total of 10 points, we allocate points to different trends to predict their likelihood of coming true. Listen to the conversation with guest host Marcus Johnson and our analysts Tiffani Montez and David Morris. Follow us on Instagram at: https://www.instagram.com/insiderintelligence/ For sponsorship opportunities contact us: advertising@insiderintelligence.com For more information visit: https://www.insiderintelligence.com/contact/advertise/ Have questions or just want to say hi? Drop us a line at podcast@emarketer.com For a transcript of this episode click here: https://www.insiderintelligence.com/content/podcast-banking-payments-show-2024-trends-banking © 2024 Insider Intelligence

On the first podcast episode of the new year, we discuss what buy now, pay later's (BNPL’s) prospects will look like in 2024. • In our “Story by Numbers” segment, we focus on the outlook for BNPL by looking at growth by generation. • In “Headlines,” we examine data from Adobe Analytics that states BNPL purchases were up 43% on Cyber Monday compared with the previous year, and how the rise of BNPL use over the holidays has increased consumers' debt burden. • In “For Argument’s Sake,” we debate whether BNPL promotes good or bad behavior. Listen to the podcast with host Rob Rubin and our analysts Grace Broadbent and David Morris. Follow us on Instagram at: https://www.instagram.com/insiderintelligence/ For sponsorship opportunities contact us: advertising@insiderintelligence.com For more information visit: https://www.insiderintelligence.com/contact/advertise/ Have questions or just want to say hi? Drop us a line at podcast@emarketer.com Articles mentioned in this episode: https://www.reuters.com/markets/us/us-buy-now-pay-later-splurges-raise-holiday-debt-hangover-risk-2023-12-20/. https://www.cnn.com/2023/11/29/business/buy-now-pay-later-shopping/index.html For a transcript of this episode click here: https://www.insiderintelligence.com/content/podcast-banking-payments-show-bnpl-a-look-ahead-2024 © 2024 Insider Intelligence

On today’s podcast episode, we talk about our latest report that looks at new features being offered by the top cash-back credit cards and how much consumers value them. • In our “Headlines” segment, we break down a recent CNBC article about some of the limited-time merchant rewards the major credit cards are offering. • In “Story by Numbers,” we discuss the Insider Intelligence emerging features benchmark that identified 49 novel qualities and carefully reviewed the feature sets of 10 popular no-fee cash-back credit cards. We also talk about free security features that customers value the most. • In “For Argument’s Sake,” our host Rob Rubin has a difficult time staying true to his position (Credit card features are so tempting!) as he debates why consumers feel certain credit card features are valuable and that they would forgo most of them for more rewards. Listen to the podcast with Rob Rubin and our analyst David Morris. Analyst Access Program: https://www.insiderintelligence.com/products/analyst-access/ Follow us on Instagram at: https://www.instagram.com/insiderintelligence/ For sponsorship opportunities contact us: advertising@insiderintelligence.com For more information visit: https://www.insiderintelligence.com/contact/advertise/ Have questions or just want to say hi? Drop us a line at podcast@emarketer.com For a transcript of this episode click here: © 2023 Insider Intelligence

On today’s podcast episode, we examine insights from our US Banking Consumer Habits report, based on a proprietary survey of 1,500 US adults. • In our “Headlines” segment, we break down Gen Z’s saving habits and discuss how the demographic is poised to open up a lot of new bank accounts. • In “Story by Numbers,” we talk about how banks can create an authentic presence on social media to attract new customers. • In “For Argument’s Sake,” we debate whether Gen Zers place little value on most forms of advertising, including traditional TV, out-of-home, radio, print, and podcast ads. Listen to the discussion with host Rob Rubin and our analysts Lauren Ashcraft and Tiffani Montez. Rob's Dumpling Crawl: Stop #1: - First course Shanghai You Garden, 135-33 40th Road Optional stop for tea: Ten Ren Tea, 135-18 Roosevelt Ave, Flushing Stop #2:- Second course White Bear 135-02 Roosevelt Ave, Flushing Stop #3: - Third course Tianjin Dumpling House, 41-41 Kissena Blvd, Flushing Stop #4: - Dessert (might be closed?) New Flushing Bakery, 135-45 Roosevelt Ave Alternatively could do: 2 dumpling spots and then sit down for Dim Sum at: eDaily Newsletter: https://www.insiderintelligence.com/edaily/ Follow us on Instagram at: https://www.instagram.com/insiderintelligence/ For sponsorship opportunities contact us: advertising@insiderintelligence.com For more information visit: https://www.insiderintelligence.com/contact/advertise/ Have questions or just want to say hi? Drop us a line at podcast@emarketer.com For a transcript of this episode click here: https://content-na1.emarketer.com/podcast-banking-payments-show-us-consumer-banking-habits?_gl=1*14e5ufa*_ga*MTc1OTI2OTQ5LjE2NzEwNzIyNDA.*_ga_XXYLHB9SXG*MTcwMTE4MzYxOC4xNjQuMS4xNzAxMTgzNjE5LjU5LjAuMA..*_gcl_aw*R0NMLjE3MDExMTY2ODguQ2p3S0NBaUFtWkdyQmhBbkVpd0FvOXFIaVNNNFM4N0p1OGd5OTBvb1lfcUN3UHRjLVVVOTNPcVFnRTRtQXBJYU03ZzFYTnhlbzE5WjBCb0NxQklRQXZEX0J3RQ..*_gcl_au*MTE0Nzk4MDY4OS4xNjk0NTMyNDY3LjEwNDc1NjY1NDUuMTY5ODc2MjM0Ny4xNjk4NzYyMzQ2 © 2023 Insider Intelligence

On today’s podcast episode, we discuss the future of the bank branch. • In our “Headlines” segment, we chat about why banks are closing so many branches and how consumers want more digital experiences. • In “Story by Numbers,” we explain what Curinos defines as branch share and why it used to account for more primary new accounts than it does today. We also discuss the value of closing a branch in order to save operating expenses in a low-rate versus high-rate environment. • In “Pretend CEO,” we look at regional banks and their deposit portfolios in a high-rate environment. Listen to the discussion with host Rob Rubin and Curinos director Andrew Hovet. Follow us on Instagram at: https://www.instagram.com/insiderintelligence/ For sponsorship opportunities contact us: advertising@insiderintelligence.com For more information visit: https://www.insiderintelligence.com/contact/advertise/ Have questions or just want to say hi? Drop us a line at podcast@emarketer.com For a transcript of this episode click here: https://www.insiderintelligence.com/content/podcast-banking-payments-show-counting-on-bricks-when-banks-stick-their-branches © 2023 Insider Intelligence

On today’s podcast episode, we bring you the major themes that we witnessed directly from the Money20/20 conference in Las Vegas, Nevada. Recorded from the conference floor, we discuss the data and tech required to offer customers payments choices, expectations in embedded finance, and consumers’ privacy and trust. Tune in to the discussion with host Rob Rubin, our principal analyst Tiffani Montez, and Sean Welsh, senior vice president and managing director of financial institutions at Affinity Solutions. Follow us on Instagram at: https://www.instagram.com/insiderintelligence/ For sponsorship opportunities contact us: advertising@insiderintelligence.com For more information visit: https://www.insiderintelligence.com/contact/advertise/ Have questions or just want to say hi? Drop us a line at podcast@emarketer.com For a transcript of this episode click here: https://www.insiderintelligence.com/content/podcast-banking-payments-show-money20-20-2023 © 2023 Insider Intelligence Discover the future of banking with Affinity Solutions, a pioneer in consumer purchase insights. Using cutting-edge analytics, Affinity Solutions analyzes payment data to craft exclusive deals for financial service consumers based on their spending patterns. Each transaction with Affinity becomes a step towards understanding your customers deeper, curating rewards that genuinely resonate. It’s more than just banking; it’s an evolution to intelligent, personalized commerce. Transform your financial interactions with Affinity Solutions.

On today’s podcast episode, we explore the problematic relationship between credit unions and Gen Z. • In our “Headlines” segment, we discuss an article from PYMNTS.com that revealed only 4% of Gen Z consumers bank with credit unions. • In “Story by Numbers,” we consider what credit unions can do to capture Gen Zers’ attention while working with tight marketing budgets, and which programs have helped Gen Z consumers manage their finances. • In “Actual CEO,” we discuss with our guest CEO what she is currently doing to engage with Gen Zers at her credit union. Listen to the podcast with host Rob Rubin and Tansley Stearns, CEO of Community Financial Credit Union. Articles mentioned in this episode: https://www.pymnts.com/credit-unions/2023/gen-z-is-only-4percent-of-credit-union-members-and-thats-a-problem/ Follow us on Instagram at: https://www.instagram.com/insiderintelligence/ For sponsorship opportunities contact us: advertising@insiderintelligence.com For more information visit: https://www.insiderintelligence.com/contact/advertise/ Have questions or just want to say hi? Drop us a line at podcast@emarketer.com For a transcript of this episode click here: https://www.insiderintelligence.com/content/podcast-banking-payments-show-why-gen-z-will-swipe-right-on-credit-unions © 2023 Insider Intelligence Discover the future of banking with Affinity Solutions, a pioneer in consumer purchase insights. Using cutting-edge analytics, Affinity Solutions analyzes payment data to craft exclusive deals for financial service consumers based on their spending patterns. Each transaction with Affinity becomes a step towards understanding your customers deeper, curating rewards that genuinely resonate. It’s more than just banking; it’s an evolution to intelligent, personalized commerce. Transform your financial interactions with Affinity Solutions.

On today’s podcast episode, we discuss how banks are adjusting their ad spending in a world with high rates, economic turmoil, and a shift to digital advertising. • In our “Headlines” segment, we dig deep on a recently published Insider Intelligence report covering our forecasts for ad spending by US banks and credit unions. • In “Story by Numbers,” we discuss how fewer mortgages are affecting banks' net interest income and what that means for their marketing budgets. We also examine Ally Bank’s increased ad spending. • In “For Argument’s Sake,” we talk about how large banks are doubling down on digital ad spending while smaller institutions are cutting their spending, which could lead to the eventual demise of smaller traditional banks. Tune in to the discussion with host Rob Rubin and our director of forecasting Oscar Orozco. Reports mentioned in this episode: https://content-na1.emarketer.com/us-banking-digital-ad-spending-2023 Follow us on Instagram at: https://www.instagram.com/insiderintelligence/ For sponsorship opportunities contact us: advertising@insiderintelligence.com For more information visit: https://www.insiderintelligence.com/contact/advertise/ Have questions or just want to say hi? Drop us a line at podcast@emarketer.com For a transcript of this episode click here: https://content-na1.emarketer.com/podcast-banking-payments-show-banking-through-storm-ad-justing-strategies © 2023 Insider Intelligence Discover the future of banking with Affinity Solutions, a pioneer in consumer purchase insights. Using cutting-edge analytics, Affinity Solutions analyzes payment data to craft exclusive deals for financial service consumers based on their spending patterns. Each transaction with Affinity becomes a step towards understanding your customers deeper, curating rewards that genuinely resonate. It’s more than just banking; it’s an evolution to intelligent, personalized commerce. Transform your financial interactions with Affinity Solutions.

On today’s podcast episode, we discuss how finserv digital marketers are incorporating credit marketing, even in top- and mid-funnel campaigns. • In our “Headlines” segment, we chat about the role of marketing as a revenue generator in banking—specifically, an article we published in August with results from an American Banker Association survey that stated 72% of marketing execs don't believe revenue generation is a part of marketing’s role. • In “Story by Numbers,” we examine the results of digital campaigns that revolve around credit marketing and the ROI in creating a unified, full-funnel marketing strategy. • In “Pretend CMO,” our guests have to thread together a multifaceted digital-only marketing campaign and discuss how it attributes ROI to the campaign's different digital channels. Tune in to the discussion with host Rob Rubin, our analyst Tiffani Montez, and Aundra Thompson, director of product strategy and strategic planning for marketing solutions at TransUnion. Reports mentioned in this episode: https://www.insiderintelligence.com/content/banks-view-of-marketing-function-hasn-t-kept-up-with-how-fast-it-s-evolving https://blog.kitcast.tv/best-bank-ads/ https://viewst.com/15-creative-bank-ads-examples/ https://contentworks.agency/7-banks-winning-at-social-media-in-2022/ Follow us on Instagram at: https://www.instagram.com/insiderintelligence/ For sponsorship opportunities contact us: advertising@insiderintelligence.com For more information visit: https://www.insiderintelligence.com/contact/advertise/ Have questions or just want to say hi? Drop us a line at podcast@emarketer.com For a transcript of this episode click here: https://content-na1.emarketer.com/podcast-banking-payments-show-swipe-right-on-credit-marketing?_gl=1*1uj0jnm*_ga*MTc1OTI2OTQ5LjE2NzEwNzIyNDA.*_ga_XXYLHB9SXG*MTY5NTM5NTg5MS4xNDUuMS4xNjk1Mzk4MTUzLjAuMC4w © 2023 Insider Intelligence TransUnion TruAudienceTM marketing solutions powers data-driven marketing and measurement with an end-to-end suite of identity resolution, data enrichment, credit marketing, audience targeting and advanced analytics solutions. As part of a global information and insights company, TransUnion supports over 5,000 financial institutions in the US.

On today’s podcast episode, we discuss the challenges the credit card industry is looking at over the next year. • In our “Headlines” segment, we focus on an Insider Intelligence article published at the end of August about Macy’s private label credit card sales and consider if it’s a harbinger of problems in the credit card industry overall. • In “Story by Numbers,” we center the conversation on what will happen to consumer credit card spending if—or when—there’s a recession. • And in “For Argument’s Sake,” we take up sides to discuss whether there will or will not be a recession, which is a critical issue for the credit card industry. Tune in to the discussion with host Rob Rubin and our analyst David Morris. Reports mentioned in this episode: https://content-na1.emarketer.com/credit-card-risks-darkening-economy https://content-na1.emarketer.com/macy-private-label-card-gets-pummeled Follow us on Instagram at: https://www.instagram.com/behindthenumbers_podcast/ For sponsorship opportunities contact us: advertising@insiderintelligence.com For more information visit: https://www.insiderintelligence.com/contact/advertise/ Have questions or just want to say hi? Drop us a line at podcast@emarketer.com For a transcript of this episode click here: https://www.insiderintelligence.com/content/podcast-banking-payments-show-credit-cards-era-of-uncertainty © 2023 Insider Intelligence TransUnion TruAudienceTM marketing solutions powers data-driven marketing and measurement with an end-to-end suite of identity resolution, data enrichment, credit marketing, audience targeting and advanced analytics solutions. As part of a global information and insights company, TransUnion supports over 5,000 financial institutions in the US.

On today’s podcast episode, we examine how banks build and use trust to win new customers. Here’s a look at what we’re talking about: • In our “Headlines” segment, we discuss recent data breaches at banks and question what the difference is between a bank's security breach and a breach at a partner company’s system. • In “Story by Numbers,” we focus on personalization and reveal if it successfully engenders trust or just seems creepy. • In “For Argument’s Sake,” we ponder what would happen if banks were required to report to customers when they shared their personal information with third parties and how it would impact customers’ trust and banks' marketing campaigns. Tune in to the conversation with host Rob Rubin and our analysts Grace Broadbent and Tiffani Montez. Reports mentioned in this episode include: https://business.adobe.com/resources/infographics/make-or-break-trust-with-every-financial-experience/thank-you.html?faas_unique_submission_id=87756CE3-2EB1-C851-D140-DCDE9BDBBF4B https://www.bleepingcomputer.com/news/security/deutsche-bank-confirms-provider-breach-exposed-customer-data/ https://therecord.media/capital-one-ncb-management-services-data-breach https://www.adobe.com/go/trust Follow us on Instagram at: https://www.instagram.com/behindthenumbers_podcast/ For sponsorship opportunities contact us: advertising@insiderintelligence.com For more information visit: https://www.insiderintelligence.com/contact/advertise/ Have questions or just want to say hi? Drop us a line at podcast@emarketer.com For a transcript of this episode click here: https://content-na1.emarketer.com/podcast-banking-payments-show-how-banks-sell-trust?_gl=1*1pa2wss*_ga*MTc1OTI2OTQ5LjE2NzEwNzIyNDA.*_ga_XXYLHB9SXG*MTY5MjcxODkwNC4xMjguMC4xNjkyNzE4OTA0LjAuMC4w © 2023 Insider Intelligence Adobe Experience Cloud gives you the power to enhance financial services and deliver confidence to every customer. Use advanced tools and data to target specific individuals, streamline content creation, and develop personalized experiences that are secure and build lifelong trust.

On today’s podcast, we are talking about digital account-opening trends, who’s opening bank accounts digitally, and what they want or expect when going through that process. Here’s a look at what we’re talking about this week: • In our “Headlines” segment, we discuss how in-flight deposits and Gen Z will drive account openings in 2023 and to what extent new account openings are the result of high deposit rates and an incentive-laden environment. • In “Story by Numbers,” we examine how being able to set up direct deposit when consumers open checking accounts is extremely important and the importance of deposits being protected. • In “For Argument’s Sake,” we suppose there’s a new US banking regulation requiring all banking products to be applied for and opened online. We debate (nicely) how the industry dynamics would change if everything in banking were digitized and moved online. Tune in to the conversation with host Rob Rubin, managing principal of financial services consulting at EPAM Systems Alex Jimenez, and our analyst Tiffani Montez. Reports mentioned in this episode: https://content-na1.emarketer.com/us-account-opening-feature-demand-report-2023 From our sponsor: https://www.adobe.com/go/DT23FSI Follow us on Instagram at: https://www.instagram.com/behindthenumbers_podcast/ For sponsorship opportunities contact us: advertising@insiderintelligence.com For more information visit: https://www.insiderintelligence.com/contact/advertise/ Have questions or just want to say hi? Drop us a line at podcast@emarketer.com For a transcript of this episode click here: https://content-na1.emarketer.com/podcast-banking-payments-show-digital-account-opening-trends © 2023 Insider Intelligence Adobe Experience Cloud gives you the power to enhance financial services and deliver confidence to every customer. Use advanced tools and data to target specific individuals, streamline content creation, and develop personalized experiences that are secure and build lifelong trust.

On today's episode, we talk about the top three banking trends for the second half of the year that are identified in Insider Intelligence's latest report, Banking Trends to Watch for H2 2023. We discuss in detail banks' renewed focus on customer acquisition, how mergers and acquisitions have returned to the space, and in what ways banks have begun rolling out generative AI tools. Join the discussion with host Rob Rubin and our analysts Eleni Digalaki and David Morris. Reports mentioned in this episode: https://content-na1.emarketer.com/banking-trends-watch-h2-2023 Follow us on Instagram at: https://www.instagram.com/behindthenumbers_podcast/ For sponsorship opportunities contact us: advertising@insiderintelligence.com For more information visit: https://www.insiderintelligence.com/contact/advertise/ Have questions or just want to say hi? Drop us a line at podcast@emarketer.com For a transcript of this episode click here: https://content-na1.emarketer.com/podcast-banking-payments-show-banking-trends-watch-h2-2023 © 2023 Insider Intelligence

On today’s episode, we discuss how Gen Zers are different from older generations in that a lot of their financial services product consumption will be embedded within non-financial service-specific experiences. In our "Headlines" segment, we examine how convenience plays a major factor into Gen Z decision-making. In "Story by Numbers," we discuss Gen Z’s use of Apple Pay in consumer finance and if consumers can find competitive prices while using embedded finance experiences. And in "For Argument's Sake," we debate if more than 10% of Gen Z or Gen Alpha will go their whole lives without establishing direct relationships with financial service providers. Listen in to the conversation with host Rob Rubin and our analysts Grace Broadbent and Eleni Digalaki. Articles mentioned in today's episode: https://content-na1.emarketer.com/apple-consumer-finance https://content-na1.emarketer.com/embedded-pc-insurance https://content-na1.emarketer.com/convenience-king-82-of-consumers Follow us on Instagram at: https://www.instagram.com/behindthenumbers_podcast/ For sponsorship opportunities contact us: advertising@insiderintelligence.com For more information visit: https://www.insiderintelligence.com/contact/advertise/ Have questions or just want to say hi? Drop us a line at podcast@emarketer.com For a transcript of this episode click here: https://content-na1.emarketer.com/podcast-banking-payments-show-gen-z-unboxed-lolfintech © 2023 Insider Intelligence

On today’s episode, we discuss the environmental impact of blockchain technology and cryptocurrency mining. In our “Headlines” segment, we discuss the deal Bitdeer, a Bitcoin-mining company in Texas, had with the state when the power grid became distressed during the winter of 2021 and how crypto must overcome its reliance on old technologies that pollute the environment. In “Story by Numbers,” we discuss a 2022 report conducted by climate and economic researchers that estimates Bitcoin mining may be responsible for 65.4 megatons of carbon dioxide per year, comparable to the entire country of Greece. And in “What If,” we examine what would happen to crypto if governments around the world required carbon tax credits in order to operate and restrictions were put in place for the amount of energy crypto and blockchains consume. Join the conversation with host Rob Rubin and our analysts Jenna McNamee and David Morris. Follow us on Instagram at: https://www.instagram.com/behindthenumbers_podcast/ For sponsorship opportunities contact us: advertising@insiderintelligence.com For more information visit: https://www.insiderintelligence.com/contact/advertise/ Have questions or just want to say hi? Drop us a line at podcast@emarketer.com For a transcript of this episode click here: https://content-na1.emarketer.com/podcast-banking-payments-show-crypto-earths-heated-currency-gamble © 2023 Insider Intelligence