Digital Economy
Digital Economy
BNPL Regulation: Buy Now Pay Later Faces Its Global Reckoning
From UK FCA protections to EU PSD3 integration, buy now pay later faces formal credit regulation worldwide. What changes for consumers and providers.
Digital Economy
Amazon’s Global Antitrust Reckoning: Marketplace Pricing Under Fire on Three Fronts
Germany orders Amazon to stop controlling seller pricing with a EUR59M disgorgement. California and the FTC pile on. The global marketplace crackdown is here.
Digital Economy
Agentic Commerce: Google’s Universal Commerce Protocol and the AI Shopping Revolution
Google's Universal Commerce Protocol lets AI agents shop autonomously. With 45% of consumers using AI in buying, the $3-5T agentic commerce era has arrived.
Digital Economy
Digital Wallets: Africa’s $36 Billion Boom and PayPal’s Continental Bet
Africa's digital wallet market hits $36.1B in 2026, growing 16% YoY toward $59.4B by 2030. PayPal plans its continental launch as mobile money reaches 860M.
Digital Economy
The Gig Economy at a Crossroads: Upwork, Fiverr, and What AI Does to the Freelance Market
The numbers do not lie. In 2023, Upwork reported that job postings for writing, translation, and basic graphic design dropped by double digits on its platform — categories that had been the reliable backbone of the freelance economy for a decade.
Digital Economy
The Cookieless Future Is Here: First-Party Data Strategies That Actually Work
The deadline that advertisers spent years dreading has arrived. Google completed the deprecation of third-party cookies in Chrome for the vast majority of users by early 2025, joining Safari and Firefox, which killed cross-site tracking years earlier.
Digital Economy
Subscription Fatigue: The Great Rebundling and What It Means for SaaS
The promise of the subscription economy was simplicity: pay a little each month, get access to everything you need, cancel anytime. What emerged instead was a thicket of recurring charges — streaming services, software tools, cloud storage tiers, fitness apps, news
Digital Economy
Social Commerce Explodes: TikTok Shop, Live Shopping
The checkout button never used to live inside a video. That changed.
Digital Economy
Embedded Finance: When Every App Becomes a Bank
You open a ride-hailing app to request a car. Before you close it, you check your in-app wallet balance, pay your driver a tip, and take out a short-term micro-loan to cover a bill coming due next week.
Digital Economy
The Marketplace Wars: Amazon, Temu, Shein, and the Battle for Global E-Commerce
In the span of roughly two years, two Chinese-founded platforms rewrote the rules of global e-commerce. Temu launched in the United States in September 2022 and became the most downloaded app in America within weeks.
Digital Economy
Creator Economy 2.0: Substack, Beehiiv, and the Shift to Paid Subscriptions
The creator economy is no longer a side hustle story. It is a structural shift in how content, expertise, and audience relationships are monetized — and in 2026, the dominant model is no longer advertising.
