行业情况 - 信用卡拖欠和冲销表明消费者难以履行财务义务，信用卡余额和拖欠率上升，各阶段拖欠率接近过去十多年来的最高水平 [1] - 消费者储蓄不足以支付信用卡债务，大量家庭仍需动用储蓄应付日常开支，这对低 FICO 分数的消费者不利 [4] 公司业绩 - 2023 年第四季度净冲销额为 25.3 亿美元，高于分析师预测的 23.6 亿美元，较上年增长 77% [2] - 2023 年第四季度信贷损失拨备增加 5.73 亿美元至 29 亿美元，全年信贷损失拨备为 104 亿美元 [2] - 国内卡和信用卡的购买量同比增长 4% [3] - 消费者银行业务收入同比下降 4.19 亿美元，降幅 17%，汽车贷款发放额同比下降 4.78 亿美元，降幅 7% [3] - 非利息支出增长 18% 至 57 亿美元，营销和运营费用分别增长 29% 和 15% [4] 公司策略与观点 - 公司认为疫情期间的刺激措施和延期还款使部分冲销延迟 [2] - 公司在汽车贷款业务上保持谨慎，因利率周期带来的利润率压力、信贷正常化、车辆价值正常化以及高利率和高车价带来的 affordability 压力 [3] - 公司在疫情期间调整了信用评分模型基准，以应对信用评分膨胀问题 [3] - 公司营销支出是为了争取高端市场的高消费客户 [4] - 公司认为现代技术能力推动了弹性增长，提高了效率，有助于为股东创造长期价值，公司在承销、营销等领域大规模部署先进数字工具和机器学习 [5] - 公司高管指出消费者金融保护局（CFPB）的滞纳金提案可能影响损益表 [5]

The Federal Trade Commission has begun an inquiry into investments and partnerships in the generative artificial intelligence sector.The regulator has ordered Google parent company Alphabet, Amazon, Anthropic, Microsoft and OpenAI to provide information about these activities as it investigates the impact these relationships may have on the competitive landscape, the FTC said in a Thursday (Jan. 25) press release.The inquiry aims to ensure that companies that are developing and monetizing AI are not using t ...

Peacock is seeing rapid growth, leveraging exclusive sports content to drive adoption in the face of stiff competition in the streaming space.The streaming platform’s parent company, Comcast, reported in its fourth-quarter 2023 financial results that Peacock experienced significant growth in paid subscribers and revenue. The streaming platform saw a nearly 50% increase in paid subscribers compared to the prior year period, reaching 31 million subscribers, and revenue shot up by 57% year over year, marking t ...

PayPal is introducing what it terms a “reimagined checkout experience” that will reduce checkout times by as much as 50%. In addition, it’s using artificial intelligence (AI) to craft personalized recommendations to consumers and has also announced cash-back offerings that CEO Alex Chriss said will “revolutionize commerce.”The half-dozen products and services, announced Thursday (Jan. 25) are in the pilot phases, with larger rollouts slated for later in the year.Faster CheckoutsThe company’s “Fastlane” serv ...

Months after investing in Hugging Face, Google has launched a partnership with the artificial intelligence (AI) firm.The collaboration will let developers use Google Cloud infrastructure for all Hugging Face services, while also allowing for the training of Hugging Face AI models on Google Cloud, the companies announced in a news release Thursday (Jan. 25). “The partnership advances Hugging Face’s mission to democratize AI and furthers Google Cloud’s support for open source AI ecosystem development,” the re ...

苹果在中国市场表现 - 苹果在中国市场成为智能手机领导者，尽管其出货量有所下降[2] - 苹果在2023年占据了17.3%的智能手机市场份额，超过了华为，这主要归功于第三方渠道的及时价格促销[3] - 中国智能手机出货量在2023年下降了5%，达到了十年来的最低水平，这主要是由于软弱的经济复苏和消费者信心不足[5] - 苹果在中国市场面临着销售下滑的负面报道，公司宣布对最新iPhone型号进行折扣以刺激需求[6] - 苹果在中国市场遭遇了更严格的iPhone使用限制，中国政府禁止政府工作人员和国有企业员工使用苹果设备[7] - 杰富瑞的分析师报告显示，2024年第一周苹果在中国的iPhone销量下降了30%，预计苹果在中国的出货量将继续以两位数的速度下降，而华为将增加市场份额[8] 苹果全球市场表现 - 苹果在全球智能手机市场上首次超过三星，但整体智能手机销量达到十年来的最低点[6] - 巴克莱最近预测iPhone的需求持续疲弱，导致公司股价下跌，市值蒸发超过1070亿美元[9] - 巴克莱的分析师认为，iPhone 15的销量和产品组合仍然不乐观，而iPhone 16也没有令人信服的功能或升级[10]

Bakkt国际扩张 - Bakkt将其加密货币交易能力扩展到巴西、危地马拉、西班牙、香港和新加坡[1] - Bakkt CEO Gavin Michael表示，国际扩张是公司2024年的重点[4] - Bakkt将国际扩张作为其业务战略的关键组成部分[8] Bakkt与合作伙伴 - Bakkt与Hapi合作，在巴西、危地马拉和西班牙提供活跃的加密货币交易能力[3] - Bakkt与SogoTrade合作，在香港和新加坡提供加密货币交易[3] Bakkt的策略调整 - Bakkt调整了策略，以克服美国的监管环境，并在具有更大监管明确性和可触及市场规模的市场上寻求增长机会[9] - Bakkt CEO Michael强调监管明确性对于推动支付创新至关重要[10]

Netflix市场策略 - Netflix计划削减部分市场的最低成本、无广告的套餐[1] - Netflix计划逐步淘汰基本套餐，以提高广告销售收入[3] - Netflix CFO表示，广告不会成为2024年的主要推动因素，公司将继续专注于提高服务质量[5] 流媒体市场变化 - Amazon Prime Video即将推出新的每月2.99美元的无广告观看费用[6] - Disney+、Warner Bros. Discovery's Max和YouTube TV Premium去年都提高了价格[7] - 消费者感受到了累积的流媒体支出压力，有25%的受访者表示在流媒体服务上花费过多[8] - 大多数消费者表示，如果需要减少每月账单，他们会取消流媒体订阅[8] - 流媒体平台在生成收入和保留订户之间寻求平衡，行业正经历定价策略和广告整合方面的重大变化[8]

生物识别认证服务 - Mastercard推出了Mastercard生物识别认证服务，旨在提高消费者的安全性和便利性[1] - 该服务利用生物识别技术，如指纹、虹膜扫描和面部识别，验证身份并保护个人数据[2] - 通过采用最新的快速身份在线（FIDO）标准，该服务在个人设备上创建了一个加密密钥对，确保只有用户独特的生物特征才能解锁这个密钥[4]

For Apple, the opening of the ecosystem proceeds apace in Europe.With it, however, comes the potential to realize some additional revenue streams.And what happens in Europe, with Apple at the epicenter, may be a harbinger for Big Tech in general, operating on the continent.Last week, Apple made a move to offer competitors access to its tap-to-pay mobile wallet system. The overture seems geared toward ending an antitrust case in the European Union.Now, Apple is gearing up for sideloading, a term and practice ...