Brazil-based Nubank applied to the OCC for a national bank charter to expand into a country with an adult population of over 250 million and a substantial Latino demographic, particularly in the Southwest.Acquiring a national bank charter doesn’t mean opening a bank for the sake of deposits and lending—payment services without a bank partner may be the goal, at least for now. That would connect Latin Americans with counterparts in the US, competing with remittance services. But a splashy entrance into the US would mean a fight against megabanks for higher-income customers and behemoths like Chime for customers underserved by traditional financial institutions.
Starbucks and Target tapped into the buzz around the release of Taylor Swift’s latest album, “The Life of a Showgirl,” to help fuel their turnaround. The stakes are high for both companies as they struggle to get customers excited about their offerings. At the same time, the question for both Starbucks and Target is whether they can turn the short-term bump into lasting growth.
Drone delivery is finally taking flight in the US, with major quick-service chains launching pilot programs to test airborne burrito and chicken deliveries. Uber Eats and Flytrex plan drone pilots by late 2025, while Dave’s Hot Chicken, Chipotle, and GoTo Foods are running tests across California and Texas with partners like Matternet, Zipline, and Wing. Looser regulations and better tech are driving momentum, though most efforts remain small-scale. Still, even if drone delivery doesn’t revolutionize logistics, the buzz positions these brands as forward-thinking innovators gaining valuable PR lift.
Novo Nordisk is partnering with Costco to offer the retailer’s members Ozempic and Wegovy for $499 per month, or about half off what the medications cost patients without insurance. Novo tapping into Costco’s customer base of over 100 million US cardholders is a savvy play, especially considering that Costco members skew toward higher-income compared with shoppers generally. Novo and Costco can specifically market to new mothers and families broadly who may be struggling with weight gain due to their busy lives.
Paramount is betting on creator credibility to rebuild trust in mainstream news. The company’s $150 million acquisition of The Free Press brings its founder, Bari Weiss, to CBS News as editor-in-chief—an unprecedented crossover between creator-led media and legacy broadcasting. Weiss’s Substack-born outlet, with 1.5 million subscribers, will remain independent while lending its audience trust to Paramount’s broader news portfolio. The move reflects a growing convergence between individual-led journalism and traditional networks struggling to regain public confidence. Success will hinge on whether CBS and The Free Press can balance editorial independence with corporate oversight while preserving the authenticity audiences value most.
OpenAI’s Sora app surged to the top of the iPhone App Store’s free app chart despite its invite-only status, marking consumer demand for AI-heavy social experiences. It surpassed both OpenAI’s ChatGPT and Google’s Gemini, the latter of which recently topped App Store charts with its social media-friendly Nano Banana AI image-editing feature. This is a new creative playground, where brands can test community-driven campaigns with a highly engaged audience. Marketers should experiment with various types of content to see what goes viral in an AI-first social environment to prepare for a new social media landscape and capitalize on emerging platforms.
Microsoft overhauled its Digital Direct Sales operation—responsible for selling all first-party products on Microsoft.com across 100+ markets—to run on an AI-first, agent-driven assistant model that drives the company’s ecommerce. The next battle for customer intent won’t happen on search bars or landing pages—it will happen inside conversations. The brands that train their AI agents to listen, reason, and personalize at scale will own those moments of intent. Every chat should be a transaction—brands need to train their AI agents to listen, reason, and personalize at scale.
More than half of US employees are using unapproved AI tools, with managers knowing but not caring—showing both security risks and organizational dysfunction. Of the 59% of employees who are using unapproved AI tools, 57% state that their direct manager is aware and OK with it, per Cybernews. Shadow AI use is a brand risk, not just an IT problem, and is often a workaround for poor internal communication or underinvestment in training. CMOs should lead efforts to define brand-safe tools, identify tools ideal for marketing tasks, and collaborate with IT to train employees on AI use.
On today’s podcast episode, we discuss what folks are prioritizing when it comes to upskilling in AI, the stigma of using the technology at work, and which part of the “Using AI at Work” conversation needs more attention. Join Senior Director of Podcasts and host, Marcus Johnson, Senior Editor, Lisa Haiss, and Analyst, Grace Harmon. Listen everywhere and watch on YouTube and Spotify.
"The collective impact of messaging is that you’re engaging with the people you have the deepest and most powerful relationships with,” said Steve McKnight, managing director of GIPHY Ads. “That’s where culture is made.”
For years, the commerce media conversation has centered around one theme: Measurement. But that may be changing. “We are finally moving past just talking about measurement,” said Collin Colburn, vice president, commerce and retail media at the Interactive Advertising Bureau (IAB). “It’s a horse that’s been beaten over the head a little bit too many times.”
Improving mobile banking app functionality and adding tools and resources all in one place offers benefits to financial institutions (FIs) and their customers. But a recent Forbes analysis points out that FIs that want to move toward offering a super app should know the risks. A super app should be the potential outcome of a successful, deliberate strategy rather than a blind goal. Banks should incrementally enhance their offerings by integrating useful tools and resources. And they must rigorously prioritize security against high-value cyber threats and address customer privacy concerns with absolute transparency, especially when involving third parties.
By working closely with intermediaries, financial institutions (FIs) gain more-reliable access to funds, risk diversification, and greater operational efficiency. This in turn improves margins and market share and keeps institutions connected to the investment-lending flow that drives their bottom lines. Successful intermediary marketing directly correlates with empowering the chosen intermediary to do its job rapidly and accurately. FIs must shift their focus to becoming indispensable partners that save intermediaries time and help them win clients. By proactively providing advisors and consultants with ready-to-use, actionable materials, FIs move from being vendors to trusted, strategic assets.
The news: The Interactive Advertising Bureau (IAB) lowered its 2025 US ad spending forecast from 7.3% growth to 5.7%, citing “macroeconomic pressures” and tariffs. What brands can do next: The most effective marketing strategies will vary dramatically across industries. Low-cost, high-ROI channels can squeeze the most out of limited budgets, but marketers shouldn’t underestimate the value of branding and loyalty.
Blackhawk Network (BHN) launched a gift card mall in the Google Play Store, per a press release. Android users will be able to buy and transfer virtual gift cards from BHN’s merchant network, including its exclusive Original series. Virtual gift cards can be securely sent to recipients by email or text. Tie-ins like this make it even easier to pick prepaid cards as a gift, especially for procrastinators trying to send presents at the eleventh hour. But BHN is still missing the core of the US population without an Apple integration.
OpenAI’s launch of Instant Checkout, which enables direct purchases through ChatGPT, has triggered a competitive push among ecommerce giants to streamline online shopping. Google unveiled AI Mode, allowing conversational product searches, Amazon introduced Add to Delivery for one-tap Prime orders, and Meta rolled out Business AI to enhance chat-based shopping across its platforms. While Instant Checkout currently supports only single Etsy purchases and lacks utility for everyday shopping, its debut signals the potential of AI-driven commerce. For now, Amazon and Google’s scale and infrastructure give them the edge, but the arms race to own the purchase path is intensifying.
Shein and Amazon are making bold retail moves in France as economic stagnation fuels demand for low-cost goods. Shein will open its first permanent French stores in November through a partnership with Société des Grands Magasins, marking a shift from its online-only model. Meanwhile, Amazon plans to roll out its budget-friendly Haul offering in France, featuring clothing, cosmetics, and household items priced under €20. Both initiatives face backlash—Shein from regulators and the fashion industry, and Amazon from critics of its impact on local retailers—but France’s appetite for affordable shopping suggests both efforts will gain traction despite opposition.
Instagram is experimenting with its user interface in India, testing a feature where users open the app directly to a Reels feed instead of the traditional photo-first interface, the company confirmed. The brands that stay competitive in the crowded social media landscape will be those who take advantage of short-form’s potential and build ad strategies tailored to the format.
A generic version of the abortion pill mifepristone was quietly approved by the FDA before the federal government shutdown. Pharmacies need to provide clear, state-specific guidance so consumers don’t have to guess about access in their area. They can create discreet information channels that ensure consumers’ confidentiality while seeking information, such as secure online consultations with pharmacists or privacy-secure QR code links.
GoodRx is partnering with Kroger pharmacies to roll out a medication savings program for branded drugs, including Novo Nordisk’s Ozempic and Wegovy. Kroger has a great opportunity to market healthy food offerings through its grocery business to people picking up GLP-1 prescriptions at its pharmacy. This might involve pharmacist-led medication management, tailored marketing for store products that support GLP-1 use (e.g., high-protein, low-calorie, fiber-rich), and access to nutrition guidance and resources.