Daily Edition · Page 9

THE DAILY INDEX

Technology, AI, software, security, crypto and business

GENERAL

TLDR Marketing

BNPL IS EXPANDING FAST, AND THAT SHOULD WORRY EVERYONE

Buy now pay later (BNPL) usage has increased past 91M users in the US. 25% use it for groceries rather than discretionary purchases. Late payments rose to 42% in 2025, up from 34% in 2023, and most BNPL loans remain invisible to credit bureaus. This creates a gap between perceived and actual financial health, especially among subprime users. Teams focused on growth or product optimization should reexamine how BNPL affects user lifetime value and channel ROI.

VIRTUAL INFLUENCER VS DIGITAL TWIN: WHO WINS?

Consumers trust virtual influencers more than digital twins, giving them an edge in recommendations and purchase influence. 76% trust virtual influencers for recommendations and 68% for purchases, while 57% say digital twins reduce trust. 62% of creators worry about losing ground to virtual influencers, and 59% fear feed oversaturation. Brands value virtual influencers for control and availability, but they require high creative investment and lack the emotional depth of human creators.

HOW GPT SEES THE WEB

GPT receives only small snippets and windowed slices of pages, so it never sees full webpages or raw HTML. It can request more text through open and click actions, but each retrieval is capped and cannot reconstruct entire articles. Context size settings control how much text each window contains, and even the High setting still enforces strict limits. The sliding window process shows that GPT reads pages in isolated segments and must summarise instead of reproducing long content.

WHY FAN EDITS ARE MOVIE MARKETING MAGIC

Fan edits on TikTok use quick-cut scenes with popular songs to create emotional connections with characters and stories. Lionsgate leverages these edits to boost engagement, introduce younger audiences to older titles, and promote new releases. The studio creates its own edits and collaborates with fan editors to ensure content resonates while supporting conversion. These clips capture attention and deepen fan connection beyond traditional marketing.

TLDR IndexPage 9