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<ul class="summary-list"><li>Raja Rajamannar, chief marketing and communications officer of Mastercard, is one of BI's <a target="_blank" class="" href="https://www.businessinsider.com/most-innovative-chief-marketing-officers-2024-6">"Most Innovative CMOs"</a> of 2024.</li><li>Tapping into people's passions can inspire emotional connections with consumers.</li></ul>Marketers have long understood that emotion, not logic, drives most consumer behavior. A staggering 92% of purchasing decisions are driven by emotion, according to a Harvard Business School study. The idea dates all the way back to the 1950s, when television came to the fore and gave brands a groundbreaking medium for compelling, emotionally driven storytelling.Considering the profound advances in media, technology and connectivity since then, marketers are still strategizing about how to stir people's emotions. With attention more fragmented than ever, making a truly emotional connection has become a tall task. In this incredibly chaotic landscape, marketing leaders looking for a future-ready strategy are focusing on people's passions as a way to capture attention and affection — and achieve long-term growth.<h2 id="9ec2275f-ced8-47a4-97f9-c923b1aa3313">Focus on what unites us</h2>Defining your audience by its passions — and tapping into the positive emotions people associate with those passions — can be an effective way to connect in today's overwhelming environment. Instead of segmenting consumers by geography or age, targeting people by their passions like music, sports, food, or travel allows marketers to transcend traditional demographics.Recently completed proprietary research from Mastercard reveals just how powerful passions can be as a way to forge stronger connections with consumers. Three-quarters of people surveyed across eight markets say engaging in their passions is a part of their identity. Not only that, but passion-focused activities offer a form of stress relief and make them feel more like themselves, per the study. Music, often referred to as the universal language, is a prime passion category that unites and inspires. Take the recent<a target="_blank" href="https://www.contagious.com/news-and-views/cannes-lions-2024-entertainment-winners"> Johnnie Walker campaign</a> that aimed to give long-overdue recognition to the 88-year-old "forgotten mother of Bossa Nova" Alaíde Costa for her role in pioneering the smooth and rhythmic Brazilian music genre. It culminated in a Carnegie Hall concert, which she was denied decades ago. Powerful. The campaign went on to win a Cannes Lions Grand Prix in June in the music category.Mastercard embraces this passion-based approach to engage a wider audience in more meaningful ways. By focusing on what truly excites people, we're able to curate unique experiences for a broader range of cardholders, fostering deeper and more lasting connections. Our <a target="_blank" href="http://priceless.com">priceless.com</a> site offers a variety of special experiences, categorized by passion and available only with Mastercard.<h2 id="f850eeb1-dd6f-44f5-b754-0dc3fa74ed87">The proof is in the passion</h2>The days of brands brashly pushing ads on people are over. Consumers expect brands to add value to their lives, and marketers must be able to deliver on that expectation in new and dynamic ways. The research suggests a significant opportunity for brands: people want brands to act as an "incentivizer" in the passion space, rewarding them and helping them feel justified pursuing their passions.In fact, our survey data identifies eight key roles that brands can play to either accelerate consumers' passions or alleviate their frustrations — one of which is fostering shared connections around their passions. A prime example of this is how Nike taps into peoples' passion for wellness, which is ranked the second highest among those we surveyed, while strengthening community bonds. Nike has cultivated a global community through its <a target="_blank" href="https://affiliate.insider.com?h=dbba50699d99b1a6fd0474ee43e851742a7cae2f110133f30d422b3b1cdb97b9&amp;postID=670060ce0c43543ec7aada6f&amp;postSlug=consumers-passions-emotional-connection-stronger-marketing-strategy-growth-behavior-audience-2024-10&amp;site=bi&amp;u=https%3A%2F%2Fwww.nike.com%2Fnrc-app">Nike Run Club </a>app, which brings runners together virtually and physically. The app provides coaching, tracking, and social features, connecting people over their shared passions for running. They also host live running events and challenges to further foster this sense of community.<h2 id="ae05c97c-10b6-4f61-8e5a-6528f6327668">The complexity of emotion</h2>Traditional market research involves surveying people to understand their purchasing motivations. While this is effective in some cases, uncovering the emotions consumers associate with a brand or product is often too complex a task for this type of research. For instance, someone who prefers blue candy to green may attribute the preference to taste but, in reality, may be influenced by a positive association with the color itself. When consumers respond to surveys, they often overly rationalize or deliberate their reasoning, not capturing the complete emotional story.We must continue to find new ways to understand impact. One powerful solution is neuromarketing, which taps into neuroscience to understand the subconscious drivers of emotion. Neuromarketing can derive an abundance of data-driven insights from study participants, allowing us to discern consumers' emotional associations with logos, messages, storylines, colors, and more. By revealing how brands truly resonate with people, neuromarketing offers new opportunities to enhance the effectiveness of their campaigns.Inspiring an emotional response is an incredibly challenging task for marketers at a time when consumers feel bombarded by messages. By tapping into the interests people already identify with and feel connected to, brand leaders can step forward as purveyors of passion — creating emotional impact that consumers will never forget.

The power of passions: Tapping into consumers' emotional bonds

<ul class="summary-list"><li>This post originally appeared in the Insider Today newsletter.</li></ul>Good morning! I've been known to make a bet or two in my day, which is why I'm wondering the odds you could get betting you'd have <a target="_blank" href="https://l.businessinsider.com/a/click?_t=c8e10479a20f45bba5aad6c5f6fbb009&amp;_m=6772a277a53343d1b8950d06c580109a&amp;_e=wedM0vcz3WB83-iK-OBZJTkfVvTI1cenK4Yfx-kMvpCPL58ojVWleTggSDrDNbC6MwxTb_NHGcJCaEdKGa66gW11aCmDeW54RamXMfEYgz4pgzPyjX3VK-xGq6HLo8JeF7nM8tdyn4FxN4cSYiGkQCMUaavUX7kshB-sMPphr6HvBF2DREPVxJDafa_79wfvN6VKhdYiUJnVdmEB1IKEEQHCf7LUE-5DFaymAiX_zWS1zHCSdRISy3qfL_nHIW4-CUAZJD3W_erXuiGqEcOJW8bEkt13rwIOROZ83FVl34PHj0WL69EHdDhEEX9OL3Vy6IqBL4ivYkaI3KuRoSrpxi0zMck_wwGXx8Ho_Rfmm1rf418GJiy2K1HKfbnj7tnxp-0WREsGhcM8vuSM8AkynSKTd7PGptUxbU0h7GaVSX4UFH191h1CXQasaDZi8Noacuiq2XhMSo8AoOGkIL90nA%3D%3D">four kids with the same birthday</a>.In today's big story, the economy is heading in the right direction, <a target="_blank" href="https://l.businessinsider.com/a/click?_t=c8e10479a20f45bba5aad6c5f6fbb009&amp;_m=6772a277a53343d1b8950d06c580109a&amp;_e=wedM0vcz3WB83-iK-OBZJTkfVvTI1cenK4Yfx-kMvpDdvvp5_TVwJ0J3vTteS83eVIpt0v1xbwCXSl3sN3tMrAZNUiQLvyMxCikHtOcIkqz9gRKolFXi2bsoDVThPUIrOWqwQlUFqGLcwxdzRN_2B5DGEy_WN93l0PLSw0F0R9zBJvD9LdCrxQiH7sQuSGBDBKINpLHrgTK2gEILUNpPVD5NEwaEGzElv8IWb0jrebQml1SjspMQJLTm1W7SJh6SrDPQ6L9GBKv9M_B1rBQb8HXfX8JVYq55eoOPDlloYzylnHbrJSEwu91n6NFHmn1ckz6IliaXwWuaAfBpOOdNmfJykY0_BTBwTUUY2GzvVKJXyEGrOBrYEUojIiOdfRCS5J9xBXzYU5IxNKLSIWt9w_rkKbuS9LhLP8ouy-fyufQFjfX0Kj5GDB4zWIRZfbJn40Y6ru83RJ28WKZLMd9ojg%3D%3D">but consumers aren't buying it</a>.What's on deck:<ul><li>Markets: What's good for economic growth <a target="_blank" href="https://markets.businessinsider.com/news/stocks/stock-market-nightmare-scenario-is-no-landing-in-the-economy-2024-9">could eventually be bad for stocks</a>.</li><li>Tech: Check out the leaked MrBeast handbook <a target="_blank" href="https://www.businessinsider.com/leaked-mrbeast-guide-reveals-youtube-secret-weapons-for-success-2024-9">revealing his "secret weapons" for success</a>.</li><li>Business: The DOJ just hit Visa with an <a target="_blank" href="https://www.businessinsider.com/visa-antitrust-monopoly-lawsuit-doj-debit-card-2024-9">antitrust lawsuit over its debit cards</a>.</li></ul>But first, the vibes are all off.If this was forwarded to you, <a target="_blank" href="https://www.businessinsider.com/subscription/newsletter/insider-today">sign up here.</a><h3 id="7fa5f018-5b05-4a37-a8dc-d3f89138bcb3">The big story</h3><h2 id="5fd547b9-ec52-41fc-8e08-4f4b27dd8097">Lacking confidence</h2><div type="image" title="A job seeker looking at an Employment page in the newspaper, giving it a .5-star review out of 5" height="1500" width="2000" msid="113670882" hostid="261" sizebytes="97270"></div>The Federal Reserve cut interest rates, the stock market reached all-time highs, and the risk of a recession is gone.Things seem to be going really well for the economy, right?Wrong.Consumers aren't feeling bullish about the economy these days. In fact, they're quite pessimistic. US consumer confidence suffered its biggest drop in three years this month, according to data from the Conference Board.We've been here before. For much of 2022 and 2023, Americans were in a "vibecession" where their perception of the economy was much worse than the data indicated. Last time around, pesky inflation was keeping things like groceries and housing costs high, even as the rest of the economy showed improvement.This time, <a target="_blank" href="https://www.businessinsider.com/jobs-hiring-less-economy-outlook-inflation-consumer-sentiment-2024-9">the labor market's the culprit</a>, writes Business Insider's Juliana Kaplan. But it's not mass layoffs most people are worried about. Having a job isn't the issue — the unemployment rate is just 4.2% — as much as finding the next gig.It's no wonder that consumers aged 35 to 54 suffered the biggest drop in confidence, according to the Conference Board. This group, which is in its prime earning years, is facing a job market that's keeping them stuck in place.<div type="image" title="Wall street broker pointing upwards in front of an upward stock arrow" height="1500" width="2000" msid="113670879" hostid="261" sizebytes="159792"></div>The labor market isn't a lost cause, though.The Fed has acknowledged its top priority is keeping an eye on job growth and unemployment.We'll get a sense of which direction things are headed on October 4 when we get September's payroll data.Morgan Stanley's chief US equity strategist, Mike Wilson, recently outlined <a target="_blank" href="https://markets.businessinsider.com/news/stocks/best-case-scenario-for-stock-market-outlook-fourth-quarter-ms-2024-9">the best- and worst-case scenarios for the numbers</a> in regard to the stock market. If unemployment dips below 4.1% and non-farm payroll can surpass 150,000, consider it game on for a big fourth quarter for stocks.But if unemployment climbs to 4.3% and non-farm payroll drops below 100,000, buckle up for a bumpy ride.The stock market isn't representative of the entire economy, as we've already covered. But continued success there could give companies more confidence to start hiring again.<h3 id="77f31a4c-8462-4e3d-a71f-838cb79493fb">News brief</h3><h2 id="1fcd294b-3f53-425f-9f20-4093e8623b59">Top headlines</h2><ul><li>Caroline Ellison was sentenced to 2 years in prison for her role in <a target="_blank" href="https://www.businessinsider.com/caroline-ellison-sentencing-jail-time-ftx-2024-9">the FTX and Alameda Research fraud scheme</a>.</li><li>Brett Favre reveals he's been diagnosed <a target="_blank" href="https://www.businessinsider.com/brett-favre-diagnosed-parkinsons-disease-hearing-2024-9">with Parkinson's disease</a>.</li><li>Hezbollah launched its deepest strike on Israel yet — <a target="_blank" rel="noopener" href="https://www.businessinsider.com/israel-intercepts-hezbollah-missile-strike-tel-aviv-lebanon-2024-9">targeting Tel Aviv</a>.</li><li>Alice Walton, the world's richest woman, <a target="_blank" rel="noopener" href="https://www.businessinsider.com/alice-walton-wealth-walmart-family-richest-woman-bettencourt-meyers-billionaires-2024-8">just joined the $100 billion club</a>.</li></ul><h2 id="8120060b-ae66-48dc-b149-f0489a30ffa2">3 things in markets</h2><div type="image" title="A line of public servants walking toward an open door on a Social Security card" height="1000" width="2000" msid="113670886" hostid="261" sizebytes="316196"></div><ol><li>Retirement, so confusing. Social security curveballs are making retirement age a nightmare to wade through for workers who have had both private sector and government careers. The murky provisions have left some workers <a target="_blank" href="https://www.businessinsider.com/social-security-benefits-loopholes-mean-teachers-police-get-less-retirement-2024-9">with a bitter $0 in benefits</a>.</li><li>One of the biggest risks to stocks could be the economy growing. Wait, what? Economist Steven Blitz outlined a scenario where the Fed keeps rates too low for too long, creating a red-hot economy. The end result could be <a target="_blank" href="https://markets.businessinsider.com/news/stocks/stock-market-nightmare-scenario-is-no-landing-in-the-economy-2024-9">another bout of inflation</a> and the Fed raising rates again.</li><li>China's stimmy package is a win for emerging markets. China's stimulus plan to boost its ailing economy sent emerging markets indexes to their <a target="_blank" href="https://www.businessinsider.com/chinas-stimulus-boosts-emerging-markets-stocks-2024-9">highest level since April 2022</a>. But some analysts aren't sold on China's strategy saving its economy in the long run.</li></ol><h2 id="f4b54806-7f81-450c-ba32-92560d4fae9b">3 things in tech</h2><div type="image" title="Andy Jassy" height="900" width="1200" msid="113670885" hostid="261" sizebytes="240466"></div><ol><li>Amazon cut a popular remote-work benefit. Months before its strict RTO policy kicks in, the company has already scrapped the option to <a target="_blank" href="https://www.businessinsider.com/amazon-rto-remote-work-benefit-ends-2024-9">work up to four weeks a year fully remote</a>. The benefit allowed people to stay close to family while working during the holidays.</li><li>MrBeast's "secret weapons" for workplace success. A leaked handbook reveals the YouTuber's sacred pillars for success and the expectations he set for employees. "We aren't stuck in any old ways of thinking and you can literally turn anything into content," <a target="_blank" href="https://www.businessinsider.com/leaked-mrbeast-guide-reveals-youtube-secret-weapons-for-success-2024-9">he wrote in the document</a>. Former employees said his principles weren't always followed.</li><li>TikTok waves the white flag on music streaming. TikTok is <a target="_blank" href="https://www.businessinsider.com/tiktok-abandoning-plan-to-challenge-spotify-apple-in-music-streaming-2024-9">abandoning its plan to beat</a> Spotify at its own game: It's shutting down the TikTok Music app in November. However, the video-sharing platform will still be a major player in music discovery.</li></ol><h2 id="9260fa45-d397-4b3c-b4f8-4bb193976216">3 things in business</h2><div type="image" title="State of Texas with an Austin map inside along with an arrow going down with a house on it" height="1500" width="2000" msid="113670883" hostid="261" sizebytes="113256"></div><ol><li>A boom and bust your city should copy and paste. Austin, Texas, enjoyed a real-estate boom during the pandemic, but that high has since subsided. While that's created short-term pain for those who bought near the peak, the quick boom-bust cycle will be good for the city in the long term because of one key effect: <a target="_blank" rel="noopener" href="https://www.businessinsider.com/austin-home-prices-falling-texas-mortgage-rates-housing-crisis-success-2024-9">It allowed developers to build, build, build</a>.</li><li>Visa just got hit with an antitrust lawsuit. The US Justice Department filed a lawsuit accusing the payment processing giant of engaging in anticompetitive behavior and <a target="_blank" href="https://www.businessinsider.com/visa-antitrust-monopoly-lawsuit-doj-debit-card-2024-9">imposing unfair costs on customers and merchants</a>. Prosecutors say the company's actions affect "the price of nearly everything."</li><li>Generation Never-Called-in-Sick. Ron Sherman had what he considered a typical baby-boomer attitude towards work: Be loyal to your employer, always give 100%, and never call out sick unless you really have to. But he lost 360 hours of unused sick leave after a brutal layoff. Now, at retirement's doorstep, <a target="_blank" rel="noopener" href="https://www.businessinsider.com/baby-boomers-gen-z-sick-days-time-off-work-regret-2024-9">he thinks Gen Z might have the right idea</a> after all.</li></ol><h2 id="9f5d80ac-3466-429f-a50a-2ffbb70c65ff">What's happening today</h2><ul><li>SEC chair testifies to Senate banking committee.</li><li>G20 foreign ministers meet.</li><li>Mark Zuckerberg addresses Meta Connect developer conference on AI and AR.</li></ul>The Insider Today team: Dan DeFrancesco, deputy editor and anchor, in New York. Jack Sommers, deputy editor, in London. Jordan Parker Erb, editor, in New York. Amanda Yen, fellow, in New York.

Things are looking up for the economy. So why are consumers still unhappy? 

<ul class="summary-list"><li>LVMH is continuing to spend big on marketing in China even amid the country's economic gloom.</li><li>Chinese luxury consumers are still spending, but they're going to Japan due to the weak yen.</li></ul>China's once-mighty <a target="_blank" class="" href="https://www.businessinsider.com/china-economy-weak-domestic-demand-factory-activity-amid-strong-export-2024-7">consumers are holding back </a>on buying as much as they used to at home. But luxury giant <a target="_blank" class="" href="https://markets.businessinsider.com/stocks/lvmhf-stock">LVMH</a> is still spending big on them.After all, the Chinese are not broke. They would just rather <a target="_blank" class="" href="https://www.businessinsider.com/china-household-deposits-savings-luxury-consumer-demand-slowdown-economy-outlook-2024-7">save their money</a> during this time of economic uncertainty. They also prefer <a target="_blank" rel="" class="" href="https://www.businessinsider.com/china-economy-lopsided-recovery-consumer-retail-spending-industrial-output-property-2024-5">spending their on experiences</a> like travel and buying stuff — including luxury items — when they are <a target="_blank" class="" href="https://www.businessinsider.com/rich-chinese-flock-to-japan-in-search-of-luxury-bargains-2024-7">on vacation in Japan,</a> where they can get great discounts.So, even though LVMH's business in China is lower than in past years, "it doesn't mean that the global business we do with mainlanders is down," LVMH chief financial officer Jean-Jacques Guiony during the company's second-quarter earnings call on Tuesday.LVMH does not break out its sales for China separately. The company's revenue for Asia in the first half of the year, including China but excluding Japan, declined 13% from a year ago, to 12.4 billion euros, or $13.4 billion. That made up 30% of LVMH's total revenue. In contrast, LVMH's Japan revenue surged 27% over the same period, to 3.8 billion euros.But the Chinese market is still growing, and given that Chinese tourists drive a lot of sales, LVMH is focused on engaging them at home — where they may well return to buying in force one day."The response from customers to marketing stimulus is still quite important in China," said Guiony on the earnings call. "So we will certainly allocate a significant amount of our marketing budgets there."LVMH does not break down its marketing cost by region. For the first half of this year, its spending on marketing and sales totaled nearly $15 billion — about the same as last year.<h2 id="aad6fba9-641b-4323-aeba-67e5f9744e23">China's luxury consumers are spending in Japan</h2>Rich Chinese consumers are not spending as much at home because, post-pandemic, they can travel and spend their money elsewhere, with Japan a top destination.The Japanese yen has been on a losing streak for a few years, hitting a <a target="_blank" class="" href="https://www.businessinsider.com/japan-weak-currency-yen-boosts-foreign-tourism-luxury-purchases-travel-2024-4">four-decade low</a> against the US dollar and a 34-year low against the euro recently."Traffic is down because people are not shopping as much as they used to in Mainland China. They shop in Japan or elsewhere," Guiony said.He called the trend "extremely violent" for LVMH because it is pressuring margins. Operating profit for the first half of the year came in at 10.7 billion euros, with an operating margin of 25.6% — down from 27.4% a year ago."We really have a big shift of business from Asia into Japan," Guiony said "Bear in mind that Fukuoka, for instance, is only two hours by boat from the coast of China."Japan has become the "most attractive shopping destination for Asian customers," Guiony added.The fluctuations in the yen make it challenging for LVMH to price its products in Japan. It's unwilling to hike prices in this important market — Japan accounted for 9% of LVMH's revenue — since the yen may go back up at any time.Since sales in Japan are so driven by currency fluctuations and tourist spending, it looks like LVMH just has to wait for its Chinese customers to get back to shopping at home.Guiony doesn't seem to know when that will happen."Analyzing the Chinese customer is not the easiest thing in the world and we have a little bit of a hard time doing that really from a pure macroeconomic viewpoint," he said.

LVMH is waiting for China's consumers to shop at home

New Delhi: 78 per cent of consumers now prefer to do most of their banking digitally through <keyword id="19915384" type="General" weightage="20" keywordseo="mobile-apps" source="keywords">mobile apps</keyword> or websites, according to the Alkami report. This shift is part of a broader trend towards <keyword id="21227659" type="General" weightage="20" keywordseo="cashless-transactions" source="keywords">cashless transactions</keyword> and <keyword id="21012835" type="General" weightage="20" keywordseo="contactless-payments" source="keywords">contactless payments</keyword>, which have become the default for many, especially since the COVID-19 pandemic. According to the report, nearly 80 per cent of financial institutions have seen an increase in cashless transactions over the past two years. This change has been accelerated by the pandemic, with many consumers opting for digital payments to avoid handling cash. About 60 per cent of these institutions noted that the volume of cashless transactions has surged by more than 20 per cent. Cashless payments aren't a new concept--personal checks and credit cards have been around for decades. However, today's digital payments, whether made through a smartphone, laptop, or tablet, are quickly becoming the standard. The convenience and safety of these transactions, especially in a post-pandemic world, have made them more popular than ever. Allison Cerra, Chief Marketing Officer at Alkami Technology, said, "The banking leaders of the future will be those that can harness data for the best use, gain a holistic view of their relationships, and meet the rapidly changing needs of digital consumers." With more people turning to <keyword id="20028215" type="General" weightage="20" keywordseo="digital-banking" source="keywords">digital banking</keyword>, there's been a noticeable decline in the use of ATMs and checks. Chad Rogers, Executive Vice President at Connexus Credit Union, noted that even millennials are moving away from traditional banking methods. "What we're seeing, even with our millennial users, is that they're no longer ordering checks, or making cash withdrawals from our ATMs as we would expect. Instead, they are self-serving from home or wherever they are. They're moving money through our digital banking platform," he said. Interestingly, even though fewer people are visiting bank branches in person, their overall engagement with banks has increased. Thanks to the ease of mobile and <keyword id="19998466" type="General" weightage="20" keywordseo="online-banking" source="keywords">online banking</keyword>, customers are now interacting with their banks more frequently, often on a daily basis. While cashless transactions are on the rise, the adoption of cryptocurrency is growing more slowly. Around 21 per cent of financial institutions reported that their customers are asking for Bitcoin products and services. Although this is still a relatively small percentage, 35 per cent of banks believe that offering cryptocurrency options could give them a competitive edge. Banks are also feeling the heat from fintech companies like PayPal, Stripe, and Venmo. Jamie Dimon, CEO of JPMorgan Chase, has called these fintechs "enormous competitive threats" to traditional banking. The popularity of fintechs has only increased during the pandemic, with many consumers turning to these platforms for their financial needs. Despite the competition, some banks are partnering with fintechs to stay relevant. According to the report, 50 per cent of banks and 40 per cent of credit unions have teamed up with fintech companies in the past three years to enhance their digital offerings. Looking ahead, many experts believe that the future of banking will revolve around personalised experiences. However, only about a quarter of financial institutions are currently using hyperpersonalization to gain a competitive advantage. There's a growing opportunity for banks to leverage personalised recommendations and offers to better serve their customers. Data is also playing a crucial role in this digital transformation. Most banks are now using data analysis to improve customer experiences, guide decision-making, and reduce development time and costs. By unlocking the potential of customer data, banks can better anticipate their clients' needs and offer tailored solutions. Allison Cerra Chief Marketing Officer at Alkami Technology, said, "We are now at a place where technology has democratised financial advice and counsel. It is no longer just the privileged upper class who can afford to get financially fit and prepare for the future."

78 pc of consumers choose digital banking over cash transactions

<ul class="summary-list"><li>Walmart's stock soared as much as 8.4% to all-time highs Thursday after reporting strong sales last quarter.</li><li>Walmart is likely an outlier as consumers pull back on spending in general, analysts say.</li></ul>US consumers, weary from high prices and inflation, are pulling back on spending — but they're still flocking to Walmart, where sales reached new highs in the most recent quarter, pushing its stock price to fresh records on Thursday. The stock soared as much as 8.4% to an all-time high of $74.44. Walmart's shares have climbed over 39% this year alone.The big gain in Thursday's session comes as the company reported strong sales growth in the most recent quarter, even as US consumers broadly turn cautious. Walmart said US sales rose 4.2% year-over-year in the most recent quarter, the company said, versus estimates of 3.5%. The company also boosted its forecast for full-year sales growth to 3.75%-4.75%, up from 3%-4%. The strong sales and numbers and upbeat guidance follow almost a decade of straight sales gains for the country's largest retailer.Walmart is "on its own path," UBS retail analyst Michael Lasser said in a Thursday interview with CNBC. "This is less about what is happening with the overall consumer environment, because it has been challenging, and more about Walmart."Lasser pointed to Walmart's convenience, compelling prices and growing online business. The fact that so many US consumers regularly shop at Walmart also gives the store more access points to engage its customers, he said.US retail sales data for July posted a surprise increase, rising 1% last month. Throughout this summer's earnings season, companies like McDonalds, Home Depot and Disney have reported weaker-than-expected spending, pointing to consumer fatigue from high prices after two years of high inflation. Home Depot's CFO Richard McPhail said he's seeing <a target="_blank" href="https://www.businessinsider.com/home-depot-earnings-americans-in-deferral-mindset-consumer-spending-2024-8">a "deferral mindset"</a> as consumers put off spending until they see lower prices and interest rates.Consumer inflation is cooling, though, reaching its lowest level in over three years. The consumer price index rose 2.9% in July, according to data released Wednesday. The softer inflation data this week has markets believing that a September rate cut is certain.

Walmart stock surges to all-time highs as sales jump even as other companies see consumers turn cautious

New Delhi, Fair trade watchdog CCI on Monday invited request for proposals from entities to carry out a detailed market study on <keyword id="19904566" type="General" weightage="20" keywordseo="Artificial-Intelligence" source="keywords">artificial intelligence</keyword> and its impact on competition that will cover various aspects, including the ways AI-driven personalised recommendations, services and pricing influence <keyword id="21386825" type="General" weightage="20" keywordseo="Consumer-Choices" source="keywords">consumer choices</keyword>. The proposed market study on 'Artificial Intelligence and Competition' also comes at a time when the growing use of AI across industries has given rise to novel questions around its implications for competitive dynamics in markets. Issuing the Request for Proposal (RFP) document to engage an agency/institution for conducting the study, the CCI said the transformative capabilities of AI have significant pro-competitive potential, both on the supply and the demand side, and at the same time, there may be concerns with regard to potential competition risks stemming from the use of AI. The last date for submitting the bids is June 3 and after technical presentations by the entities, the deadline for the financial bids is June 28. Among the various aspects, the study will look at whether and in what manner can AI facilitate and/or implement <keyword id="21386826" type="General" weightage="20" keywordseo="Anti-competitive-Strategies" source="keywords">anti-competitive strategies</keyword> as well as the novel strategies aided by AI that can lead to anti-competitive outcomes. The new forms of collusion prompted by the use of AI such as self-learning algorithms and whether bias in <keyword id="20153346" type="General" weightage="20" keywordseo="AI-Algorithms" source="keywords">AI algorithms</keyword> can impact competition will also be examined during the study. Other elements that will be covered include "how do AI-driven personalised recommendations, services and pricing influence consumer welfare and choice", "what are the synergies and risks that may stem from M&amp;As involving firms with AI capabilities" and "what are the specific factors/parameters that need to be considered in assessing competitive effects of such M&amp;As". Through the study, the <keyword id="20115755" type="General" weightage="20" keywordseo="Competition-Commission" source="keywords">Competition Commission</keyword> of India (CCI) will also seek to understand the main sources of competitive advantage and disadvantage for AI adopters and non-adopters, and how AI technologies influence the entry and exit barriers, market concentration, innovation incentives, and market power of firms. Further, it will look to "understand trends and patterns of AI and to ascertain enforcement and advocacy priorities of the Commission with respect to AI and its application in markets," as per the document. Among others, the study will look at the existing and evolving regulatory/legal frameworks governing AI systems and applications in India and other major jurisdictions and also reach out to the relevant stakeholders. In a recent interview to PTI, CCI Chairperson Ravneet Kaur said that AI and machine learning can drive efficiency and innovation but also raise concerns related to market concentration and potential anti-competitive behaviour. The CCI has the mandate to promote competition and curb anti-competitive practices in the marketplace. SEE ALSO:<a href="https://www.businessinsider.in/business/telecom/news/telecom-companies-may-hike-tariffs-by-up-to-17-after-the-general-elections-as-per-analysts/articleshow/109240274.cms" target="_blank"></a> <a href="https://www.businessinsider.in/business/telecom/news/telecom-companies-may-hike-tariffs-by-up-to-17-after-the-general-elections-as-per-analysts/articleshow/109240274.cms" target="_blank">Telecom companies may hike tariffs by up to 17% after the general elections, predict analysts</a><a href="https://www.businessinsider.in/tech/news/playstation-5-is-now-available-at-a-discount-of-10000-for-a-limited-period/articleshow/109183034.cms" target="_blank"></a> <a href="https://www.businessinsider.in/tech/news/playstation-5-is-now-available-at-a-discount-of-10000-for-a-limited-period/articleshow/109183034.cms" target="_blank">PlayStation 5 is now available at a discount of ₹10,000 for a limited period</a><a href="https://www.businessinsider.in/business/auto/news/ev-sales-expected-to-grow-by-over-65-in-2024-double-its-overall-market-share/articleshow/109155691.cms" target="_blank"></a> <a href="https://www.businessinsider.in/business/auto/news/ev-sales-expected-to-grow-by-over-65-in-2024-double-its-overall-market-share/articleshow/109155691.cms" target="_blank">EV sales expected to grow by over 65% in 2024, double its overall market share</a>

Competition Comm to conduct detailed study on AI; invites proposals from entities

<ul class="summary-list"><li><a target="_blank" href="https://www.businessinsider.com/deloitte-pwc-kpmg-ey-big-four-pay-perks-rto-policies-2024-4">PwC</a> has a new deal with OpenAI as the largest user and first reseller of ChatGPT Enterprise.</li><li>The deal comes amid surging interest in GenAI, with 950 of its top 1,000 clients engaging with it.</li></ul><a target="_blank" href="https://www.businessinsider.com/salary-of-consultants-accountants-big-4-deloitte-kpmg-ey-pwc-2020-7">Big Four consultancy firm PwC</a> has a new deal with OpenAI to help its staff and clients leverage generative AI.The companies announced Wednesday that PwC will now be the largest user of <a target="_blank" href="https://www.businessinsider.com/how-canva-uses-chatgpt-ai-enterprise-save-time-improve-products-2023-11">ChatGPT Enterprise</a>, the most powerful tier of ChatGPT geared toward businesses. <a target="_blank" href="https://openai.com/index/introducing-chatgpt-enterprise/">According to OpenAI</a>, it offers higher-grade security, longer context windows to process longer inputs, and more advanced data analysis abilities than the consumer version of ChatGPT. PwC will deploy the product across 100,000 of its employees between the US and UK.As part of the deal, PwC will also be the first reseller of ChatGPT Enterprise — meaning that clients can now purchase the product from both OpenAI and PwC.The deal formalizes the surging interest in generative AI that PwC has seen from clients over the past year. Around 950 of the firm's top 1,000 consulting clients in the US are actively engaged with generative AI, and many more are discussing the use and implications of the technology, according to its press release.PwC <a target="_blank" href="https://www.pwc.com/us/en/about-us/newsroom/press-releases/pwc-us-makes-billion-investment-in-ai-capabilities.html">announced</a> last year that it would invest a billion dollars in generative AI over the coming three years to provide AI training and tooling for its employees — like its conversational <a target="_blank" href="https://www.businessinsider.com/ai-personal-virtual-assistant-work-home-chatgpt-deepmind-2023-9">AI assistant</a> ChatPwC. Since then the firm has documented over 3,000 use cases for the technology, Joe Atkinson, PwC's US Chief Products &amp; Technology Officer, told Business Insider. "We were our first client, so we would work through our client zero strategy," Atkinson said. Under the new deal, "we're bringing all of those capabilities and skills to our clients who are really, really eager to take their own strategy from where they are today to where they think they can be with generative AI."He said the biggest questions the firm gets from clients are about the risks and biases of AI models and the accuracy of their outputs. So, it's clear they still need human oversight.But Atkinson contends that businesses need to embrace AI if they want to survive."One of the things we keep telling our clients is, look, your business strategy and your AI strategy in this world need to be intertwined. That understanding, I think is really starting to make itself known in the C-suite and the boardrooms," he said.

PwC inks deal with OpenAI as almost all its consulting clients 'actively' engage with AI

<ul><li>Generation Z, which includes people born between 1997-2012, is not just digital savvy, they are digital natives who are immersed in social media. </li><li>They are a tweet away, catching up on the news developments and dance trends on Instagram, with an attention span of a gnat, wanting to see real content and calling out fake news.</li><li><keyword id="10474161" type="General" weightage="20" keywordseo="shreyas-hegde" source="Orion">Shreyas Hegde</keyword>, CEO and Co-Founder of <keyword id="10474160" type="General" weightage="20" keywordseo="viral-fission" source="Orion">Viral Fission</keyword> writes about changing rules of marketing, led by <keyword id="4550079" type="General" weightage="100" keywordseo="genz" source="Orion">GenZ</keyword> audience.</li></ul>It has been established that GenZ is agile, dynamic and ambitious. With every generational shift, there comes a change in preferences and demand. So how do marketers adapt to this and change their approach? Reach, engage and involve While marketers have decoded the secret to speaking the GenZ lingo, they still lack understanding of the GenZ way. A brand can come with the most buzz-worthy campaign that will get you to the top of their SEO search but will not ascertain their loyalty to your brand. So how do you make these agile digital natives stay engaged? The brand messaging will bring the user to a brand but they engage only when they find relevance that piques their interest. If a user opens a sportswear brand page, they will engage if the brand is running a contest, hosting a giveaway or creating content that resonates with the individual. But for a Genz, loyalty to the brands they love doesn’t stop at just engaging with brand-generated content. It takes a step further into wanting to be actively involved, participate and say their opinions out loud! Involvement is a deeper factor of engagement, it plays an interactive role in brand engagement. For a generation that wants to be a part of decisions and make a change, this is how they are rewriting the rules of engagement. Peer to peer connect giving rise to communities GenZ believes in personalised connect, they rely on the words of their peers over the words of a celebrity endorser. The decisions of this generation are highly influenced by the reviews from their peers. This pattern has given rise to an era of community marketing. GenZ tends to associate itself with groups that cater to its niche. These communities have given rise to brand loyalists and turned them into brand advocates. The brand loyalists act as brand ambassadors and create content that caters to their respective communities. Being given a chance to co-create with the brands they love makes the GenZers feel like they are playing a vital role in contributing and not just acting as an audience. Involvement from ideation to completion According to a report by National Retail Federation (NRF), 44% of the GenZ audience showed high interest to be involved in the product right from the ideation stage. GenZ wants brands to value their opinions and in return take actions to create an impact. The more you involve them right from the onset the more impact you have on this community. They are not only inclined towards participating in presenting their opinion on the product but also want to be part of the process that goes into making the same. Thus, creating an impact right from the grassroots level. Engage in impactful conversations The digital natives are a purpose-driven generation, one that wants to engage and make an impact. This generation that is value-driven, wants to be associated where they can add credibility to themselves and the world around them. The scope of evolution in this landscape lies in giving a platform to these digital natives to speak and incorporate their nuances.

From engagement to involvement: Is Gen Z rewriting rules of brand engagement?

<ul class="summary-list"><li>Stellantis CEO Carlos Tavares took a subtle jab at <a target="_blank" href="https://www.businessinsider.com/tesla">Tesla</a>. </li><li>He warned of an industry-wide 'bloodbath' and a race-to-the-bottom on prices. </li></ul>On the surface, you wouldn't think the platform beneath a <a target="_blank" href="https://www.businessinsider.com/electric-car-ev-sales-prices-problem-transportation-2024-1">new generation of automobiles</a> has anything to do with politics and elections.But at Stellantis, new large vehicle underpinnings announced Friday are key to the company's ability to adjust to European and <a target="_blank" href="https://www.businessinsider.com/ev-tax-credit-changes-fewer-models-eligible-2024-1">US government electric vehicle requirements</a> that could change depending on this year's elections.CEO Carlos Tavares says the company's new large platform is flexible enough to handle batteries and electric motors, gas-electric hybrids and internal combustion engines. The company can also build midsize to large vehicles on those underpinnings, including sedans, crossover vehicles, SUVs and even off-road <a target="_blank" href="https://www.businessinsider.com/jeep-sales-falling-iconic-brand-inventory-piling-up-2023-8">Jeeps</a>.That flexibility is important, he said, because policies promoting EVs as a way to fight climate change could be rescinded depending on who is elected U.S. president or to European parliaments this year.Tavares often says that EVs for 40% more to make than vehicles with combustion engines, boosting prices beyond what the middle class can afford. Governments have tried to promote EV sales with subsidies and tax credits, but some countries are starting to rethink those."As soon as you do not fix the affordability issue by giving me a significant subsidy that will fix it, then I stop buying," Tavares said of consumers. "That message is loud and clear."Electric vehicle sales <a target="_blank" href="https://www.businessinsider.com/inside-the-ev-reckoning-electric-car-demand-sales-2023-11">growth is already slowing</a> in many countries with consumers balking at the added cost as well as limited range and too few charging stations. On Friday, <a target="_blank" href="https://www.businessinsider.com/ford-cuts-electric-f-150-lightning-production-affecting-jobs-2024-1">Ford said it was cutting production of the F-150 Lightning</a> electric pickup after weaker-than-expected electric vehicle sales growth.Some political candidates, including GOP front-runner Donald Trump in the U.S., have criticized the move to EVs, indicating they would end policies to promote them.Stellantis, maker of Jeep, Ram, Dodge and other vehicles, has plans for two scenarios, one if populist candidates who are against EVs win, the other if EV-friendly candidates are elected, Tavares said. "One is to accelerate (EVs), the other one is to slow down," he said. "Not necessarily stop. We need to fix the global warming issue."Tavares said in some European countries, governments are imposing electric vehicles on consumers who can't afford them. So many are keeping their current vehicles longer, raising the average vehicle age, which he said is a "disaster" for the planet.Stellantis, he said, makes money on its EVs now, unlike many competitors. Those who can't get strong prices for their vehicles won't have money to invest in lower-cost new ones, and could wind up being consolidated into another company or going out of business, he said.If companies keep <a target="_blank" href="https://www.businessinsider.com/elon-musk-tesla-price-cuts-electric-cars-losing-business-strategy-2023-11">cutting EV prices to attract buyers</a> and don't make money, there could be a "bloodbath" in the industry, Tavares said."I know a company that has brutally cut pricing, and their profitability has brutally collapsed," he added, without naming Tesla.Stellantis said vehicles built off the new large platform will be built at multiple North American and European factories. In North America, it's likely that the first new vehicles to come out will be a replacement for the Dodge Charger muscle car and a new version of the Jeep Wagoneer S.The platform can handle front-wheel drive, all-wheel drive and rear-wheel drive vehicles, the company said. The first will reach the market this year, with eight vehicles from Jeep, Dodge, Chrysler, Alfa Romeo and Maserati on sale by the end of 2026.The company can vary the length and width of vehicles and differentiate them from each other with ride and handling changes as well as infotainment and other interior features. Use of a platform for both battery and gasoline powertrains is unique to the industry, with many competitors building different chassis for each type of propulsion."The flexibility and agility of this platform is its hallmark and will be a driving force for our success in the shift to electrification in North America," Tavares said.A midsize vehicle platform announced by the company last year has similar flexibility, the company said. It's also planning a new small-vehicle platform.

Auto CEO: There will be a 'bloodbath' if every company engages in Tesla's price war 

<ul><li>The Ministry of Consumer Affairs has made it easier to file consumer complaints.</li><li>You can now use WhatsApp to file consumer complaints, check the status of your complaint and read FAQs.</li><li>Here is how to file a <keyword id="461597" type="General" weightage="100" keywordseo="consumer-complaint" source="Orion">consumer complaint</keyword> using WhatsApp.</li></ul> As a customer, when you receive a substandard product or service, you may think about filing a consumer complaint but give up on the idea thinking about the cumbersome process. The Ministry of Consumer Affairs has made filing consumer complaints easier. The Ministry of Consumer Affairs has partnered with Gupshup, a conversational engagement platform, to introduce a WhatsApp chatbot that allows consumers to easily file complaints with the National Consumer Helpline (NCH), check complaint status, and read the frequently asked questions (FAQs). The WhatsApp chatbot is currently available in English and Hindi languages. <cmsannotation type="cmsannotation" annotationid="How to file a consumer complaint using WhatsApp" comment="subhead" text="How to file a consumer complaint using WhatsApp">How to file a consumer complaint using WhatsApp</cmsannotation> <div type="image" title="1" msid="98807196" hostid="261" sizebytes="92716" caption="&amp;lt;p&amp;gt;WhatsApp chatbot to file a consumer complaint&amp;lt;/p&amp;gt;"></div> <ul><li>To begin, save 8800001915 in your contacts or click<a href="https://api.whatsapp.com/send/?phone=918800001915&amp;text=Hi"> here</a>.</li><li>Then, go to the chat and send “Hi”.</li><li>Then, select the language from English and Hindi.</li><li>Now, click on “Register Grievance” if you want to file a complaint against any company.</li><li>If you wish to check the status of a filed complaint, click on “Grievance Status”.</li><li>If you have any questions about the process, filing complaints or the redressal process, click on “FAQ”.</li></ul>If you click on Register Grievance, you will be asked to submit the following information – <ul><li>Your full name</li><li>Gender</li><li>OTP</li><li>State</li><li>City</li></ul>Once you have submitted the above information, you will be asked to submit information relating to the company – <div type="image" title="2" msid="98807244" hostid="261" sizebytes="135142" caption="&amp;lt;p&amp;gt;Details regarding the company you wish to complaint against&amp;lt;/p&amp;gt;"></div> <ul><li>Industry the company belongs to.</li><li>Category the company operates in.</li><li>Then, you will be able to select a company from the list.</li></ul>Once you have selected a company, you will be asked to select the nature of the grievance or why you are filing the complaint against the company. There are 27 reasons for you to select from, including a misleading advertisement, delivery of a defective product, paid amount not refunded, and more. SEE ALSO: <a href="https://www.businessinsider.in/tech/how-to/how-to-read-instagram-messages-without-being-seen/articleshow/98535023.cms">How to read Instagram messages without being seen</a> <a href="https://www.businessinsider.in/finance/news/how-to-use-credit-card-to-make-upi-payments/articleshow/98090488.cms">How to use credit card to make UPI payments</a> <a href="https://www.businessinsider.in/personal-finance/news/how-to-check-your-credit-score-for-free/articleshow/96050534.cms">How to check your credit score for free</a>

How to file a consumer complaint against a company using WhatsApp

<ul class="summary-list"><li>I used to judge "iPad parents." Now, I understand that technology can be a valuable parenting tool.</li><li>However, giving my kids unfettered access also has its issues.</li></ul>I'll admit it. I used to judge the "<a target="_blank" href="https://www.businessinsider.com/millennial-parents-praised-raising-emotionally-intelligent-gen-alphas-2023-12">iPad parents</a>."When I first became a dad of one very well-behaved girl, I'd scoff at the parents who were using cartoons to keep their kids happy at restaurants. Didn't they know how simple it was to pull out a coloring book for your child and <a target="_blank" href="https://www.businessinsider.com/screen-free-family-meals-kids-entertainment-2024-1">enjoy your meal in peace</a>? Didn't they know you could actually engage your children instead of ignoring them? Why were they rotting their little ones' brains with their lazy screen time shortcuts?!I am not that dad anymore.A few years later, our now-3-year-old daughter came along. Now, mealtimes are no longer picturesque moments of togetherness. They are war. There are high-stakes negotiations to take even a single bite of food, threats and pleading to keep her in her seat. There are tantrums, throwing things, and tears all around.So — I get it now. Sometimes, you just need a break. And <a target="_blank" href="https://www.businessinsider.com/tv-shows-to-watch-with-your-kids-disney-netflix-peacock-2023-8">putting on a show your kid loves</a> is often the only way to get them to sit still. It might be the only chance you get to take a breath and eat your own food. It might be your only chance to look your spouse in the eye that day or take a shower.I've realized that <a target="_blank" href="https://www.businessinsider.com/how-screen-time-expert-limits-kids-screen-time-use-2023-2">screen time</a> and other tech can be great tools for worn-out parents. But at the same time, for me, it's starting to become more trouble than it's worth.<h2>On-demand access isn't always a good thing</h2>It's amazing that we have on-demand access to any music or <a target="_blank" href="https://www.businessinsider.com/what-parents-should-look-for-tv-shows-kids-watch-expert-2023-5">children's show</a> we could want, at the drop of a hat. But too much access has officially become a problem, in my eyes.I can't be the only one who's experienced a scenario like this:I'm driving my kids to school in the morning. From the backseat, my youngest yells that she wants to listen to a <a target="_blank" href="https://www.businessinsider.com/peppa-pig-park-things-we-loved-what-needs-improvement-2022-4">Peppa Pig</a> story. I turn one on via Spotify, and away we go. "Not this one!" OK, that's cool. Skip to the next. There's a handy button on the steering wheel for that, or I can ask Siri."NO!" she insists. We still haven't <a target="_blank" href="https://www.businessinsider.com/no-screen-time-road-trips-rule-kids-audiobooks-2024-1">found a story</a> that suits her. "Which one do you want?" I ask. "Lost the key!" What? "Lost the key!" I only vaguely know what she's talking about. There's an episode where Daddy Pig loses his car keys, but I can't for the life of me remember what it's called. "SIRI," she shouts, going over my head. "PLAY LOST THE KEY!"Siri begins playing an obscure and profane heavy metal song, and we have to start this process all over again.YouTube is worse. There are ads that must be skipped, pop-ups that must be exited. A parade of related videos that must be supervised lest the rabbit hole get too weird.Some of the other platforms we pay for are at least commercial-free. But they, too, bombard kids with choices the second you log in, colorful thumbnails of unicorns and cartoon animals popping up all over the place. All the options cause decision paralysis or, once a choice has been made, buyer's remorse — where I've got to get up and help change to a different show the moment I've settled into another task.<h2>It felt easier when there was less to choose from</h2>Even just a few years ago, when my oldest was little, things seemed simpler.Streaming was around, but less prevalent. She was happy to just watch "Frozen" on DVD over and over again. There wasn't as much hopping around. We didn't need to <a target="_blank" href="https://www.businessinsider.com/how-parents-model-responsible-screen-time-for-their-children-2023-3">referee the screen time</a> so much.Popping on a Disney movie was a great time to go finish up the dishes, prep dinner, or just sit.And I won't even get started on "when I was a kid," but suffice it to say that my brothers and I were just happy to get my dad to turn off NPR and switch to regular radio on long car rides. There was no Spotify, no in-car Netflix, and we didn't know what we were missing.I'm not sure which generation has it better.<h2>I love what we listen to and watch, I just wish we'd foreseen these problems</h2>In all seriousness, there's more great kids' programming out there than ever. And it's become easier and easier to access.I actually get a kick out of "Peppa Pig." <a target="_blank" href="https://www.businessinsider.com/how-blueys-dad-bandit-has-inspired-dads-around-the-world-2022-7">I adore "Bluey."</a> And we have a blast listening to silly nursery rhyme songs that come on randomly via Spotify. We're lucky to not be confined to whatever cartoon happens to be on network TV on Saturday morning.I just wish we would have anticipated the problems that might come from handing unfettered access to everything over to fickle children. With our little one, maybe we could have held off on introducing her to the short-form content machine that never ends; maybe not told her about the magic of the 'skip' button.

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