Experian vs PAYBACK

67% of Germans Would Trust AI Agents with Financial Data

A study by Experian, based on a Forrester survey of over 6,000 consumers across 13 countries including 480 from Germany, reveals that while Germans are more cautious than average, 67% would be willing to share financial data with an AI agent to apply for a loan. The study indicates that perceived benefits, such as finding the best prices (80%), outweigh concerns, although 78% fear being deceived by fake offers or hacked by cybercriminals. Trust in AI-generated information scores 6.2 out of 10 in Germany, below the international average of 6.8. The research highlights that consumers are more comfortable delegating decisions to AI when the provider is a trusted entity like their bank. Experian's Mark Wells comments that security, identity protection, and transparency are key to building trust in AI agents.

• 67% of Germans surveyed would entrust an AI agent with financial data needed for a loan application.
• 82% of Germans trust AI to compare loan offers.
• 54% would agree to an AI agent applying for a loan or credit card on their behalf.

Black Friday Peak Trading Moves to October

Black Friday remains a key conversion moment, but the peak trading window is shifting earlier. Analysis from Experian and Reward, based on 1.4bn UK transactions, shows the 2024 peak window grew by over 10%, with October and December outperforming November. IMRG reports that 60% of tracked retailers launched Black Friday campaigns earlier in 2025, and half ran longer campaigns. Consumers are also starting earlier: Barclays found 60% of UK Black Friday shoppers began searching in October, while 68% were skeptical about deal value. Major retailers like Amazon and Currys have moved promotions into October. The article argues brands should use October to build audiences, test creative, and capture first-party data, rather than waiting for November's peak auction prices.

• Experian and Reward analysis of 1.4bn UK transactions found the 2024 peak trading window grew by more than 10%, with October and December outperforming November.
• IMRG found that 60% of tracked retailers launched Black Friday campaigns earlier in 2025 than in 2024, and half ran longer campaigns; by Halloween, 15% were live.
• Barclays found that 60% of UK Black Friday shoppers began searching in October, and 68% were skeptical about deal genuineness.

PatientPoint Expands Point-of-Care Ad Network, Hosts Upfront

PatientPoint operates the largest point-of-care ad network in the US, with 145,000 screens across 32,000 medical offices. The company is expanding beyond pharma to CPG and wellness brands, leveraging aggregate claims data for targeting without collecting PII. It also offers the Precision product, which uses consented electronic health record data for ad serving in patient portals. PatientPoint recently hosted its second upfront presentation in New York, featuring celebrity speakers and a new campaign with Katie Couric. The company has named Jeremy Hlavacek as GM of advertising and received MRC accreditation for its campaign reporting metrics. Pharma spending on point-of-care marketing reached $1.2 billion last year, indicating a growing market.

• PatientPoint operates 145,000 digital screens in 32,000 medical offices across the US.
• Pharma spending on point-of-care marketing hit $1.2 billion last year.
• PatientPoint received MRC accreditation for digital campaign reporting and performance metrics.

Neu: Der PAYBACK Produkte Marktplatz

PAYBACK launches a new marketplace for products, inviting users to become sellers. The homepage slider highlights this new offering, alongside the return of the popular 'Joker' campaign.

PAYBACK wird zur Commerce Plattform: Start von „PAYBACK Produkte“

PAYBACK erweitert seine App um einen neuen großen Shopping-Bereich: Mit „PAYBACK Produkte“ können die mehr als 35 Millionen Kundinnen und Kunden des Loyalty-Programms künftig direkt in der PAYBACK App…

Payback Launches 'Payback Produkte' Marketplace, Expanding Platform Strategy

Payback, the German loyalty program, is launching a new marketplace called 'Payback Produkte' within its app. This beta launch allows users to search, buy, and pay for products directly in the app, with several thousand articles initially available across categories like electronics, home, fashion, and sports. The marketplace operates on a model where selected partners and other merchants can offer their goods, avoiding Payback becoming a traditional retailer with its own inventory. Payback collaborates with Mirakl, a French provider specializing in marketplace infrastructure, for the technical implementation. This move aims to integrate loyalty and commerce more closely, capturing a larger part of the customer journey within Payback's own platform. Payback boasts over 35 million active customers in Germany and 18 million active app users, and over 700 partner companies.

• Payback launched 'Payback Produkte', a new marketplace within its app, starting as a beta version.
• The marketplace initially offers several thousand articles across categories like electronics, home, fashion, and sport.
• Payback partners with Mirakl for marketplace technology and infrastructure.