Direct Bank payments and then of course AI.

Everybody's talking about it.

Buy Now Pay Later though, we'll start with that.

It has seen the biggest transformation by far of the group I mentioned there.

According to Adobe, it saw more than 40% pop over Thanksgiving weekend.

Overall, it was up about 15% this year.

These installment payments, they used to be for big ticket items,

like a pelletown or a couch, for example,

but as consumers start to feel a bite of higher interest rates, some of these interest-free options. couch for

the example,

as consumers start to feel a bite of higher interest rates,

some of these interest-free options

are becoming everyday spending tools.

Some of the top categories this year

for Buy Now Pay Later, Groceries, toys,

and cosmetics.

A firm has been the main beneficiary here.

It's up more than 400% this year.

Square and PayPal, as well as Apple,

and the card companies also compete in this space with their own offerings.

And then you've got mobile shopping, another trend that really took off this year, up 14%

or so in the holiday season it hit a new record according to Adobe.

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