美国运通集体诉讼裁决 - 美国法院裁定允许近十个州的借记卡用户对美国运通提起集体诉讼[1] - 美国地区法官尼古拉斯·加劳菲斯周二做出裁决，允许借记卡用户提起集体诉讼[2] - 信用卡用户被拒绝集体诉讼资格，而借记卡用户获得了集体诉讼资格[5] - 法官加劳菲斯认证的集体包括伊利诺伊州、俄亥俄州、北卡罗来纳州等州的借记卡用户，以及哥伦比亚特区的用户[6] 美国运通被控费用过高 - 美国运通被控通过提高商家交易费用导致消费者支付数亿美元的过高费用[3] - 原告声称美国运通对商家接受其卡的限制导致消费者在宜家、Target、CVS和Dick's Sporting Goods等知名零售商处支付更高价格[7] - 诉讼声称这些限制导致消费者支付过高价格，造成超过3.19亿美元的过高费用[8] 法官裁决和其他相关诉讼 - 法官的裁决没有涉及原告主张的实质问题，留下了未来可能被驳回的可能性[9] - 在另一起关于操纵指控的最新发展中，去年十月对PayPal提起了一起集体诉讼，声称该公司从事反竞争行为导致消费者在电子商务交易中支付更高价格[10] - 诉讼声称电子商务支付供应商和Venmo所有者的反操纵规则扼杀了竞争，并阻止商家对使用成本更低的支付选项购买的产品进行折扣[11] - PayPal发言人在接受PYMNTS采访时表示：“PayPal在一切行动中始终把客户放在首位，我们对此负责任。”[12]

Best Buy has added a new platform to support its expansion into prescription health and wellness technology products. The new online experience enables eligible customers to buy continuous glucose monitoring devices (CGMs), according to a Wednesday (Jan. 10) press release issued by Stripe, which is providing the payments infrastructure for Best Buy’s new platform. “Stripe is thrilled to accelerate the expansion of Best Buy’s health and wellness category as they sell prescription based medical devices for th ...

Amazon is laying off hundreds of employees across its Prime Video and Amazon MGM Studios organization.The cuts follow the organization’s year-long review of every aspect of its business, Mike Hopkins, senior vice president of Prime Video and Amazon MGM Studios, said in a note that was sent to employees on Wednesday (Jan. 10) and provided to PYMNTS by Amazon.“As a result, we’ve identified opportunities to reduce or discontinue investments in certain areas while increasing our investment and focus on content ...

Andaria与Mastercard合作 - Andaria作为英国和欧盟受监管的FinTech公司，提供可扩展和定制的解决方案[3] - Andaria旨在通过与Mastercard合作重新定义金融格局[4] - Andaria的嵌入式金融产品已包括专用国际银行账号（IBANs）和商业账户[6] - Andaria旨在通过Mastercard的能力进一步增强金融赋权和便利性[7] - Andaria和Mastercard的技术整合预计将在2024年初完成[8] 嵌入式金融 - 嵌入式金融促进客户忠诚度和参与度[9] - 88%的公司提供嵌入式金融选项后报告增加参与度[10] Enfuce公司融资 - Enfuce公司在11月筹集了930万美元用于在欧洲市场扩张[11]

Buy with Prime for Salesforce - 亚马逊宣布将其Buy With Prime工具与Salesforce Commerce Cloud集成[1] - Buy with Prime for Salesforce允许Salesforce商家将Buy With Prime添加到其购物平台[2] - Buy with Prime for Salesforce为商家提供了几项新功能，如购物者可以搜索和筛选Prime符合条件的商品，并在同一订单中购买Prime符合条件和其他商品[5]

The future of commerce will be “customer-centric, interconnected, frictionless and consistently exceeds expectations.”So said Walmart in a Tuesday (Jan. 9) press release describing some of its latest retail technologies that were unveiled at the CES trade show.“The way people buy and discover goods has evolved into a seamless integration of online and offline experiences,” the retailer said in the release. “Customers expect retailers to provide a convenient and enjoyable shopping experience.”With technologi ...

公司动态 - 因订阅用户增长放缓，时尚租赁公司Rent the Runway开始裁员 [1] - 公司计划解雇约10%的企业员工 [2] - 首席运营官Anushka Salinas将于1月31日离职，联合创始人兼首席执行官Jennifer Hyman将接任其职责 [3] - 公司预计重组计划将产生约300万至400万美元的费用，预计大部分将在2023财年第四季度产生 [4] - 上个月Rent the Runway公布的财报显示，其活跃订阅用户减少2%，总订阅用户略有下降 [5] - 首席执行官Jennifer Hyman称用户数量减少是战略决策结果，主动减少促销和营销支出以优先考虑库存和库存率，获取的客户更具盈利能力 [6] 行业趋势 - 订阅用户下降是行业大趋势，Rent the Runway公布财报同日，服装订阅平台Stitch Fix宣布其活跃客户同比下降15%，即减少51.5万人 [7] - Stitch Fix首席执行官Matt Baer表示正在精准定位高终身价值客户以建立更健康的客户群，并制定长期战略服务现有和未来客户 [8] - 尽管服装订阅用户通常对供应商忠诚度较高，但订阅用户下降趋势仍令人意外 [9] - 30%的零售订阅忠实用户贡献近80%商家收入，51%的人偏好含服装的订阅服务 [10] - 因通胀挑战，四分之一的订阅用户表示将在未来12个月内取消订阅 [10]

Visa and CIBC have formed a new collaboration to help the bank’s clients send remittances across borders more conveniently. With Visa Direct’s money movement capabilities, the clients of CIBC and its digital banking division Simplii will be able to send money to more digital wallets in the Philippines, China, Bangladesh, Kenya and other key remittance destinations in which digital wallets are commonly used, the companies said in a Tuesday (Jan. 9) press release. The new capability will be available in the c ...

Amazon wants you to feel confident while shopping at home. They want you to make more confident purchasing decisions, and they want to lower the likelihood of you returning a product, which has become a $1 trillion problem. In fact, according to Karen Webster, returns pose significant logistical and financial challenges for retailers and have become an inconvenience for consumers. In response, retailers have implemented return fees and collaborated with innovators to offer alternatives such as immediate sto ...

文章核心观点 Duolingo因使用生成式人工智能创作内容而削减约10%的承包商，引发对AI影响就业的担忧，不同企业和人士对此有不同看法和预测 [1][8] 分组1：Duolingo的AI应用与人员调整 - Duolingo因使用生成式AI创作内容削减约10%的承包商 [1] - 公司将任务从员工转移到AI工具，部分工作不再需要大量人力，归因于AI [2][3] - 公司CEO称生成式AI使内容生产更快，如用AI生成教学节目脚本，推出含AI功能的高级服务 [4][5] - 此次调整未影响全职员工，很多全职员工工作中使用AI工具 [6] 分组2：行业对AI影响就业的观点与举措 - 世界经济论坛报告预测未来五年AI将对劳动力市场造成重大破坏，但总体影响可能积极 [7] - Duolingo裁员引发员工团体和工会对企业用AI裁员的担忧 [8] - 微软宣布与AFL - CIO合作应对AI对就业的影响，其总裁称AI可提高生产力和消除重复任务 [9][10] 分组3：行业对AI影响就业的预测 - 高盛3月称AI进步最终可能影响全球3亿个工作岗位，美国和欧洲25%的工作可能受自动化影响 [11] - 特斯拉CEO马斯克11月称AI是历史上最具颠覆性的力量，预测最终所有工作将过时 [12]