LiveRamp CEO Scott Howe says marketers are now fighting a “war for signals”—a race to collect, clean, and connect data fast enough to prove every dollar’s impact. Speaking alongside Q2 earnings of $200 million (up 8%), Howe described marketing’s new reality as “precision and proof.” LiveRamp’s clean room tech now lets brands merge data across partners like Netflix, Uber, and PayPal to tie spend directly to transactions. With AI acceleration and data collaboration redefining performance, Howe says growth depends less on scale and more on signal speed: “Access to better data gets the flywheel going—and determines who wins.”
Target is overhauling its ecommerce fulfillment model by reducing the number of stores that handle online delivery orders to ease strain on operations and improve the in-store experience. After testing the approach in Chicago, it has expanded to 36 markets with more planned next year. The strategy helps cut transportation costs, reduce out-of-stocks, and raise customer satisfaction, while allowing longer next-day delivery windows. However, Target still trails Walmart and Amazon in delivery speed and coverage and faces ongoing challenges as shoppers increasingly focus on essential purchases.
Snapchat revenues and users grew in Q3—but the company warned that age verification laws would have unpredictable results on its business. While innovative ad tools and a new partnership with Perplexity could offer more value, stagnant growth and new policies that would restrict access to over 18% of Snapchat’s audience make the social platform a riskier investment than those with ad businesses less reliant on a youth-oriented audience like Instagram.
AppLovin beat expectations again, delivering a blowout quarter that affirmed its place among the most profitable players in adtech. Even as the company faces ongoing scrutiny over data practices and an SEC probe, its financial momentum appears unaffected. AppLovin is proving that controversy doesn’t always kill momentum. Its ability to execute quarter after quarter suggests marketers may be more pragmatic than moralistic, following results over rhetoric.
Meta’s internal documents show it knowingly earned up to 10% of its annual revenues in 2024—around $16 billion—from scam and banned product ads, per Reuters. Meta, which owns Facebook, Instagram, and WhatsApp, reportedly served 15 billion high-risk scam ads daily, often letting them run unless 95% fraud certainty was detected. Brands should audit ad placements to see if scam ads dilute their impact. Seek platforms guaranteeing ad integrity, and require clear enforcement and accountability from ad platforms.
Highwire developed the AI Index, a tool that helps marketing and communications professionals understand how their brands show up in genAI search, per a press release. AI Index benchmarks brand appearances across genAI engines, including OpenAI’s ChatGPT, Anthropic’s Claude, and Google’s Gemini. SEO shouldn’t be tossed by the wayside just yet, but as genAI matures, tools like Highwire Index can help brands navigate changes in search. To boost brand visibility in AI engines, marketers should focus on user-generated content and building brand affinity across social, community-driven platforms.
U.S. Bank launched the Split World Mastercard, a credit card that puts every transaction on an installment plan, per a press release.U.S. Bank wants to capitalize on consumer demand for both card-linked installments and BNPL cards. It’s a play specifically for Gen Zers, who tend to gravitate toward installments. These younger consumers can also use the card as a credit-building tool, a sought-after feature. But the Split Card may be a tough sell to prospects.
At Bank of America’s (BofA) investor day, its first in over a decade, the bank said it spent more than $118 billion on technology in the last 10 years. In 2025, its annual spending on new technology initiatives will reach $4 billion out of a total of $12.7 billion. In the AI race, banks that aren’t already ahead will fall even further behind. Increasingly sophisticated automation as well as an AI-assisted jump in employee productivity mean AI investments quickly compound on themselves. Last month, JPMorgan said it had already broken even on its $2 billion AI investments.
Dave reported $150.8 million in revenue in Q3 2025, up 63% YoY, and a net income of $92 million. The neobank reported 843,000 new members, a 25% increase in debit card spend to $510 million, short-term advance loan originations of $2 billion, and a customer acquisition cost (CAC) of $19. Neobanks’ original positioning as scrappy underdogs fighting the good fight against banks has transformed. It is now a story about how neobanks carved out a new niche catering to underserved customers, mostly competing with other neobanks.
Early holiday trends from Prime Big Deal Days reveal a more cautious, value-driven shopper, according to PMG’s analysis. Success this season will hinge on brands sustaining visibility and offering deals that feel genuinely worth it.
Starbucks Workers United is planning an open-ended strike in more than 25 cities on November 13, aligning with Red Cup Day, one of the company’s busiest annual events. The move comes after months of stalled contract talks and the union’s rejection of Starbucks’ economic proposal earlier this year. With key issues like pay, hours, and staffing unresolved, the strike threatens to disrupt Starbucks’ lucrative holiday season, potentially affecting sales of gift cards, merchandise, and seasonal drinks amid ongoing pressure on consumer spending.
Cracks are beginning to appear in the previously resilient beauty category. Coty, e.l.f. Beauty, and L'Oréal all delivered quarterly performances below expectations as US demand softened. Beauty companies must ride out a number of headwinds, including tariffs, growing price sensitivities, changing category preferences, and a shift in where consumers choose to do their beauty shopping. Keeping ahead of those pressures will require flexibility, and an embrace of ecommerce platforms like Amazon and TikTok Shop.
Novo Nordisk and Eli Lilly struck a deal with the Trump administration to lower GLP-1 prices in exchange for expanded Medicare and Medicaid coverage. It’s by far the most consequential pharma agreement to date For Novo and Lilly, it’s a tradeoff: lower prices for higher patient and prescription volume—a bet that should pay off over time, especially since tariff relief is part of the deal.
Direct-to-consumer TV advertising doubled the collective sales of many of the largest pharma TV advertisers across the last three years, per a recent analysis by VAB. Big Pharma’s large TV ad budgets are still paying off despite the industry-wide shift towards digital. The VAB findings highlight TV’s ability to generate brand awareness that also fuels downstream digital engagement.
The three health insurers with the largest Medicare Advantage (MA) footprint (UnitedHealth Group, Humana, and CVS) are cutting membership in 2026 and rolling back plan offerings in certain regions. Many seniors who were lured by aggressive MA marketing promising extra benefits and free perks must now find a new MA plan or switch to traditional Medicare. The Medicare annual enrollment period is underway, offering insurers a chance to rebuild trust with seniors by providing online tools and live support to help them understand their options and switch plans if needed.
Podcasts are emerging as the most credible, persuasive arm of the creator economy. According to Acast, 84% of listeners have changed their mind because of a podcaster, yet 75% don’t view them as influencers—proof that credibility, not celebrity, fuels podcast influence. Two-thirds of listeners say they’ve purchased something a host recommended. Despite the rise of video, most podcast engagement remains audio-first, underscoring the medium’s intimacy and staying power. For advertisers, podcasts offer a rare trifecta—attention, authenticity, and conversion—at a time when influencer fatigue and algorithmic feeds erode audience trust elsewhere.
Media effectiveness platform DoubleVerify rolled out streaming TV products on Thursday designed to improve transparency and advertising quality in connected TV (CTV). DV’s new tools offer hope to marketers who are relying on CTV more amid shifting viewing habits but who struggle with placement and measurement.
Podcast advertising is maturing into an attractive and reliable channel for repeat advertisers and strategic testing. US podcast ad spending in Q3 grew 26% YoY, per Magellan AI’s Q3 Podcast Advertising Benchmark Report. Ad loads have held steady at around 8% for five straight quarters, reflecting balance between monetization and user experience. CMOs should capitalize on podcasts’ potential for high recall and context-rich storytelling. Start by finding the best shows and hosts for placements and adapting marketing materials from social or print to fit audio channels.