Visa的客户体验关键要点 - 商家需要应对从核心运营到吸引新客户的各种挑战[1] - 保持客户参与度、激励他们进行增量购买、奖励忠诚度以及确保他们在网上购物时有最佳体验是至关重要的[2] - 消费者对于他们偏爱的商家的期望正在改变，他们希望互动有趣且具体，60%的消费者希望在浏览和购买时获得“定制体验”[5] Visa的客户忠诚度平台关键要点 - Visa推出了基于SmartMedia Technologies的客户忠诚度Web3参与平台，为消费者创造定制体验和优惠[6] Visa的风险管理关键要点 - AI技术对于实现愿景至关重要，Visa推出了其Risk Intelligence平台，帮助商家和发卡行在批准良好交易和隔离拒绝不良交易之间取得平衡[9] - 利用AI分析交易数据和消费者行为对于防范欺诈尤为重要，Visa的欺诈防范工作已经阻止了约300亿美元的潜在欺诈[10] Visa的交易优化关键要点 - 商家将其交易路由到Visa可以利用这些工具来提高其运营，从而实现更高的授权率和更低的欺诈率，最终带来更好的交易活动、更多的盈利和更满意的消费者[13]

Headed into the end of January, and with earnings season in full swing, the FinTech IPO Index was up a slight 0.5%.Earnings Capture HeadlinesSoFi’s stock was up 1%, leading the headlines tied to the quarterly results that come in a torrent every three months. SoFi Technologies latest earnings report saw net new member adds of nearly 585,000 represented 44% growth for a total of over 7.5 million members at the close of the fourth quarter.More than half of newly funded SoFi Money accounts are setting up direc ...

沃尔玛数字化转型 - 沃尔玛正在采取新技术来融合数字和实体购物体验，提供更无缝的客户体验[1] - 沃尔玛开始测试数字标签，帮助顾客在庞大的商店中找到他们想要的产品[2] - 沃尔玛计划在未来五年内建造、转换或翻新150家商店，推出“未来商店”概念，融合在线和线下购物[4]

Meta CEO Mark Zuckerberg dubbed 2023 the “year of efficiency” as the social media giant’s Reality Labs division, which has been losing billions over the last few years, crossed the $1 billion revenue mark for the first time during the fourth quarter of 2023. Zuckerberg attributed the revenue milestone to Quest 2 and particularly Quest 3, the virtual reality (VR) headsets developed by Reality Labs, enjoying a strong holiday season.“Not only did we achieve our efficiency goals [last year], but we returned to ...

公司动态 - 坎塔卢佩收购Cheq Lifestyle Technology以借助自助服务商务解决方案拓展体育、娱乐和餐饮领域业务 [1] - 坎塔卢佩CEO称双方产品线和解决方案有巨大协同效应，将扩大合并客户群覆盖范围 [2] - 收购后坎塔卢佩将把CHEQ解决方案带给现有客户，并通过自身分销网络扩展技术服务 [5] - 收购CHEQ使坎塔卢佩业务拓展至体育场馆、娱乐场所等领域 [7] 公司业务 - CHEQ为众多专业运动队、娱乐场所和节日运营商提供支付服务，其技术可增加食品饮料销售、加快交易时间等 [3][4] - 坎塔卢佩是全球技术公司，为各类企业提供自助服务商务支持，有超100万个活跃地点，每年处理超10亿笔交易 [6] - CHEQ提供企业级POS平台，具备实时报告、远程支持和后端分析功能，适用于高流量场所和复杂交易 [8] - CHEQ提供全渠道解决方案，包括移动支付、POS自助服务亭和手持设备，其社交连接技术可实现实时送礼并增强粉丝参与感 [9] 行业趋势 - 无人值守市场正在改变便利商业格局，革新办公室、酒店等场景的支付体验 [10] - 84%的美国消费者接受自助服务亭，66%表示比人工收银更偏好自助服务亭 [11]

Riding a huge wave of consumer holiday spending and harvesting its October Prime Big Deal Day season, Amazon delivered its highest operating income ever late Thursday (Feb. 1) as it released its quarterly and full-year earnings.“2023 was a really good year,” Amazon CEO Andy Jassy told analysts during its earnings call. “Yet, I think every one of us believes this is just the start of what’s possible. We have a long way to go in every one of our businesses before we exhaust how we can make customers lives bet ...

Apple’s ecosystem continues to grow, albeit with some puts and takes.The segment logged 11% growth year over year, slowing from the 16% growth rate that had been logged in the previous quarter.CEO Tim Cook said on the call that the latest metric represented an “all time revenue record with paid subscriptions growing double digits year over year.”The installed base of devices stands at more than 2.2 billion, he said.Mixed Results in HardwareThe company’s latest earnings report shows that during the fiscal fi ...

文章核心观点 广播行业正经历转型阶段，传统模式需适应，流媒体平台要创新，公司需平衡盈利与满足消费者偏好，SiriusXM因向纯流媒体订阅转变面临ARPU下降挑战 [1][4] 分组1：SiriusXM情况 - 推出新流媒体应用后，2023年第四季度和全年财报显示收入和每用户平均收入（ARPU）较前一年略有下降 [1] - 2024年收入挑战源于订阅用户数量基本持平及ARPU略有下降，部分原因是纯流媒体订阅用户群体更多样化 [1] - 11月推出新流媒体应用以吸引年轻消费者，此类用户收入低于其他套餐用户，但不影响车载订阅用户群 [2] - 对9.99美元的纯流媒体套餐价格感到兴奋，认为能覆盖更广泛市场，虽推出仅约七周，但对该产品及其市场契合度感到乐观 [2] 分组2：行业动态 - 广播行业公司转向流媒体订阅模式，如英国广播公司BBC 11月在166个国家推出BBC Podcasts Premium服务 [2] - 网络广播和播客巨头Audacy计划推出订阅流媒体平台，预计到2027年可带来高达2000万美元收入 [3] 分组3：消费者情况 - PYMNTS Intelligence报告显示，许多消费者因流媒体订阅增加月度预算压力，无法支付所有账单时，55%消费者会取消流媒体订阅服务，17%会优先全额支付该账单 [3] 分组4：流媒体平台增长情况 - Spotify在最新财报中报告了用户增长，Netflix上季度用户基数同比增加1300万，Peacock付费用户较上年同期增长近50% [4]

公司动态 - Zoom Video Communications本周裁减约150个职位，占员工总数的不到2% [1] - 公司将继续招聘与人工智能、销售和工程相关的职位 [1] - 公司表示正在重新调整角色并增加未来能力，定期评估团队以确保与战略一致 [2] - 公司一年前宣布计划裁员15%，员工总数从约8500人减少至略高于7000人 [7] 业务发展 - 疫情期间，Zoom的视频会议软件成为远程工作和虚拟会议的重要工具 [3] - 公司面临维持高收入增长的挑战 [3] - 为应对挑战，Zoom扩展了产品线，增加了联络中心软件和类似Slack的持久聊天功能 [4] - 公司为苹果即将推出的混合现实头显Vision Pro推出了一款专属应用，旨在提供更沉浸和真实的会议环境 [5] - 尽管有这些努力，新产品尚未显著加速公司增长 [6] 行业趋势 - Zoom的最新裁员是科技行业更广泛趋势的一部分，科技公司在新年伊始加快了裁员和调整优先事项的步伐 [8] - 微软、谷歌、亚马逊和Salesforce等公司也在新年初期裁员 [8] - 科技行业1月份的裁员数量达到15806人，是自5月以来的最高水平 [10] - 科技行业的裁员数量在1月份仅次于金融行业 [9] - 在所有行业中，“重组”是1月份裁员的最常见原因 [11]

As Peloton sees its revenue fall, the connected fitness company is looking to capture businesses’ corporate wellness spending to drive subscription growth.The company reported in its second-quarter fiscal 2024 financial results, released Thursday (Feb. 1), that total revenue was down 6% year over year for the quarter, even as subscription revenue rose by 3%.On a call with analysts, Liz Coddington, the firm’s chief financial officer, noted that the quarter saw the company’s subscription business face new cha ...