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Brands begin to offer everyday items like clothing and home textiles for rent
Implications - Consumers today are increasingly thoughtful with how they spend, leading many companies -- especially those whose products are used infrequently -- to offer rental options in lieu of expensive purchase items. Speaking to the way in which this demand for convenience and value has become so commonplace, brands that sell products used on an everyday basis, like home decor and casual fashion, are pivoting to offer a rental model as well.

Homework Question - How will consumers' rising expectations when it comes to value and convenience impact your brand? [More]

SCORE 8.2
Popularity
Activity
Freshness
Megatrends
Patterns
68,753 Total Clicks
Jan 18 - Apr 19
This Week and Warm
Cash economies go digital with merchant-centric benefits
Implications - The lack of digital payment infrastructure that extends to small and micro businesses is a significant challenge for businesses operating in primarily cash economies. In an effort to combat this, an increasing number of payment technology providers are establishing merchant-centric benefits ranging from loyalty programs to cost-free implementation processes. These offerings help move businesses out of a cash economy and away from potential risk.

Homework Question - How has a move toward more digitized payment processes impacted your organization? [More]

SCORE 6.5
Popularity
Activity
Freshness
Megatrends
Patterns
7,313 Total Clicks
Mar 19 - Mar 19
This Quarter and Average
Personal finances become a more social experience through collaborative tools
Implications - While personal finances were once a taboo subject, today an increasing number of financial services are leveraging the power of social visibility to help consumers meet their financial goals. Whether through group saving apps or comparative investment apps, a variety of solutions are appearing that leverage social visibility as an incentive for saving. This shift speaks to the misconception many brands hold that for everyone, personal finances should be kept far away from the public domain.

Homework Question - Check in on some steadfast norms in your industry. Are there ways to divert from these norms to win brand love? [More]

SCORE 5.6
Popularity
Activity
Freshness
Megatrends
Patterns
13,914 Total Clicks
Sep 17 - Feb 19
This Quarter and Mild
Banking processes are made more secure through emerging biometric systems
Implications - Addressing consumer concerns around security and a need for convenience, financial institutions are rolling out and experimenting with emerging biometric security measures. Though somewhat unconventional, this more advanced approach to protection speaks to the way in which biometric technology will likely play a growing role in the future of security.

Homework Question - What is your customers' biggest concern when it comes to your brand? Brainstorm a concept solution that would perfectly solve that issue. [More]

SCORE 5.5
Popularity
Activity
Freshness
Megatrends
Patterns
29,608 Total Clicks
Nov 17 - Dec 18
This Year and Mild
TechLifestyleLifeCredit Crunch
The 6 Patterns of Opportunity & Top 18 Megatrends
Financial products take aim at global consumers with multi-currency offerings
Implications - As consumer expectations of products in general are heightened, even the most traditional industries such as banking are debuting innovative offerings to appeal to specific consumer segments. One of the ways this is playing out is in the form of multi-currency bank accounts, allowing consumers to move between countries with ease. This is reflective of today's consumer base -- who more than ever before -- expects and values frictionless service from providers.

Homework Question - What steps are getting in the way of your customer having the easiest possible experience with your brand? [More]

SCORE 3.6
Popularity
Activity
Freshness
Megatrends
Patterns
7,268 Total Clicks
Nov 18 - Nov 18
This Year and Untested
Financial products are developed with the specific needs of freelancers in mind
Implications - Catering to an increasingly flexible and freelance-driven workforce, financial institutions and startups alike are creating payment and financial tracking products specifically designed for independent contractors. Addressing common, overlooked concerns like delays in payment and tracking money owed, this shift ensures that consumers have the specific tools they need in today's professional landscape.

Homework Question - What's a specific market segment your industry has overlooked? What would it look like if your brand were to create a product specifically for that group? [More]

SCORE 4.6
Popularity
Activity
Freshness
Megatrends
Patterns
9,784 Total Clicks
Sep 17 - Nov 18
This Year and Untested
BusinessLifestyleLifeCredit Crunch
Credit and debit cards are designed with analog buttons
Implications - Banking institutions are giving consumers the ability to interact with dynamic credit and debit cards, differentiated by analog buttons. While the specific functions of these buttons can vary, the increased appearance of this feature suggests that in today's chaotic and contactless world, some still desire the gratification of haptic feedback.

Homework Question - What analog process could your brand re-introduce to differentiate it's offering? [More]

SCORE 6.8
Popularity
Activity
Freshness
Megatrends
Patterns
39,646 Total Clicks
Aug 17 - Nov 18
This Year and Warm
Trend Hunter Services
"Dry" nights out increase in availability due to Millennial demand
Implications - Where once, an alcohol-free night-out might have seemed unappealing to some, the promotion of sobriety in a social setting today acts as a key value proposition for many party purveyors. By providing party-goers with a safe, fun and stigma-free space to let loose, brands are able to capitalize on a growing market. While motivations to abstain from drinking varies, two of the key drivers here include the heightened financial and health contentiousness of Millennial consumers.

Homework Question - In what ways have Millennial consumers changed your industry and how has your brand adapted? [More]

SCORE 5.8
Popularity
Activity
Freshness
Megatrends
Patterns
32,160 Total Clicks
Jun 18 - Nov 18
This Year and Average
Buy-now-pay-later platforms gain popularity in purchasing everyday goods
Implications - Where layaway-type payment plans have traditionally been used to buy larger items like home appliances, this model is now being used for online purchases of things such as flights and clothing. For credit-averse Millennials, in particular, this shift means that consumers are able to debit the purchase today and pay for it in installments as funds become available. Solutions like these are especially important as consumption habits change and Millennial consumers continue to engage with brands that align with their core values and lifestyle preferences.

Homework Question - What is your brand doing to adjust to continued shifts in consumption habits? [More]

SCORE 3.9
Popularity
Activity
Freshness
Megatrends
Patterns
19,215 Total Clicks
Jun 17 - Jun 18
This Year and Untested
BusinessLifestyleRetailCredit Crunch
Companies support employees by contributing to their student loans
Implications - For companies trying to lure and retain Millennial employees, student loan repayment benefits are topical efforts that have the opportunity to encourage loyalty. This creative benefit strategy challenges the workplace stereotype that Millennials are less concerned with money and are more enticed by lifestyle-based perks. As the high cost of replacing fickle Millennial workers remains a consideration for employers and the average repayment balance for graduates continues to rise, efforts like this serve as an effective retention strategy by aligning the values of the employer and employee.

Homework Question - How could your brand establish more effective retention strategies for its Millennial employees? [More]

SCORE 4
Popularity
Activity
Freshness
Megatrends
Patterns
31,539 Total Clicks
Jun 15 - Jun 18
This Year and Untested