Group 1: Consumer Behavior - Consumers are increasingly relying on card installments and Buy Now, Pay Later (BNPL) options to manage higher costs during the holiday shopping season [1][10] - Nearly 22 million U.S. consumers utilized both private-label and general-purpose credit cards for installment payments, reflecting a 5.3% compound annual growth rate [7] - BNPL adoption has been crucial for sustaining sales volumes, with 90% of surveyed merchants indicating it helped maintain sales despite price increases [10] Group 2: Retailer Confidence and Pricing Strategies - 80% of companies across various industries express high confidence in adapting to tariff-related supply-chain disruptions, with goods-sector firms showing even higher confidence at 85.2% [3][4] - Despite confidence, 9 in 10 goods firms and over 70% of services firms raised prices in the past year, yet many experienced margin compression [5] - Retailers are expected to implement modest, selective price adjustments to preserve consumer volume while protecting margins during the crucial December quarter [6] Group 3: Economic Adaptation - Retailers have diversified suppliers and adjusted pricing strategies to navigate tariff impacts, while consumers are managing price pressures through structured borrowing tools [12] - The overall sentiment indicates that while tariffs may increase costs, they do not deter consumer spending intentions [12]

Core Viewpoint - Giftify, Inc. has launched a Buy Now, Pay Later (BNPL) payment option for CardCash.com through a partnership with Zip Co, enhancing customer accessibility and flexibility in gift card purchases [1][2][3] Group 1: Company Overview - Giftify, Inc. operates CardCash.com and Restaurant.com, focusing on the incentives and rewards industry [1][9] - CardCash.com is a leading secondary gift card exchange platform, allowing consumers to buy and sell gift cards [10] Group 2: BNPL Integration - The BNPL option allows customers to split gift card purchases into easy payments at checkout, making it more accessible for shoppers [1][4] - This payment model is particularly appealing to Millennials and Gen Z consumers, who prefer alternatives to traditional credit [2] - The integration aims to help customers manage cash flow while maximizing savings during financial constraints [2][3] Group 3: Strategic Goals - The partnership with Zip aligns with Giftify's strategic vision to expand payment options and enhance customer experience [3] - By offering BNPL, the company aims to strengthen its position in the gift card marketplace and better serve its customers [3][5] Group 4: Customer Benefits - CardCash users can save up to 35% on everyday brands, and the new payment option further enhances the value proposition [5] - The BNPL integration is designed to empower customers to access discounts while enjoying the flexibility to pay over time [4][5]