Perspectives about payments, marketplaces, and AI
Klarna, DoorDash, and Echoes of the Roaring Twenties: Why Advertising Buy Now, Pay Later for Pizza Should Worry Us The recent announcement that DoorDash has partnered with Klarna to let customers finance pizza and other takeout orders should set off economic alarm bells. While this innovative partnership might initially appear convenient, it highlights deeper concerns … Read more
On Amazon, common elements for product variations like size, color, and styles are combined into what’s called Twisters. When used as intended it’s valuable for sellers and users. It allows users to quickly move through variants while most elements of the page remain the same. Sellers quickly realized that they could launch new products in … Read more
Express was once the dominant force in mall shopping but now joins the growing list of mega-retailers filing for bankruptcy. The company cites several factors contributing to its downfall, including missteps in merchandising and the challenging retail landscape. Fingers are also being pointed at the role private equity played in Express’s decline and loopholes in … Read more
For online shopping, one complex key issue impacts almost everyone—data privacy. How websites collect, use, and protect customer data has become a burning question for consumers, lawmakers, and businesses alike. Privacy policies are the legal bedrock governing this complex landscape. Let’s dissect the anatomy of these policies, looking at regulations, best practices, and pitfalls. The … Read more
Dynamic Product Ads (DPAs) are among the most ubiquitous ads in e-commerce marketing, providing a connection between the products a business offers and the potential customers interested in them. These ads automatically promote products to users based on their online behaviors, such as past interactions with the website or app. Let’s look into how DPAs … Read more
Major search engines like Google, Bing, and Yahoo find themselves as potentially complicit accomplices in the exploitative practice known as search arbitrage. This article breaks down how search arbitrage works, highlighting the detrimental effects on advertisers, consumers, and the broader online advertising landscape. We’ll also explore the burgeoning industry built around arbitrage techniques and investigate … Read more
As technology evolves, so does the landscape of identity theft. It’s not just about stolen wallets or misplaced credit cards anymore. In our current environment, the integration of artificial intelligence (AI) by cybercriminals has created more sophisticated and stealthy methods of stealing identities. Let’s explore some of these methods, understand how they work, and discuss … Read more
Google Shopping is one of the most important channels for retailers to reach consumers, but a troubling trend known as Google Shopping arbitrage is challenging the integrity of the marketplace. This scheme involves deceptive practices where bad actors list products on their websites that are actually sold on reputable platforms like Amazon, eBay, or Target. … Read more
In consumer finance advertising, marketers face the challenge of capturing consumer eyeballs and adhering to stringent regulatory standards. Key among these are Regulation Z under the Truth in Lending Act and Regulation M under the Consumer Leasing Act, which govern the disclosure of terms in credit and leasing advertisements. A critical concept here is the … Read more
Klarna Wikipink appears to be an effort to contrast credit card debt and delinquency with BNPL debt and delinquency. As BNPL faces more regulatory scrutiny it’s in Klarna’s best interest to paint traditional financing as predatory and show themselves as the better option. Klarna seems to be portraying themselves as the lessor of two evils … Read more