Latest news with #CreditKarma
Fast Company
5 days ago
- Business
- Fast Company
Would you skip dinner to buy a backpack? 54% of parents say yes
While back-to-school shopping is certainly an end of summer expense that many families dread, this year is shaping up to be even more financially straining. Binders, backpacks, calculators, and even laptops (which about 94% of high school students use), definitely don't come cheap. This year, the stress over having to purchase the items seems to be mounting higher than ever. According to a newly released Intuit Credit Karma report, which surveyed 1,022 parents with at least one school-aged child, more than a third (39%) said they can no longer afford the back-to-school shopping trip. Likewise, 44% say they'll have to take on debt to pay for the school supplies for the 2025/2026 school year. That figure has jumped by 10% (from 34%) in just one calendar year. The data around back-to-school shopping gets even more concerning, too. According to the report, more than half of parents (54%) say they will need to sacrifice on essentials like groceries in order to get their children the necessary school supplies. And a large portion of parents—45%—say they can no longer afford after-school programs, sports, or other extracurriculars. 32% even said they're considering leaving their jobs or trimming their working hours to care for their kids after school pickup. Courtney Alev, consumer financial advocate at Credit Karma, spoke to the financial strain families are feeling this year in a press release. 'Back-to-school shopping can place a significant financial burden on families, often leaving them with little choice but to stretch their budgets,' Alev said. In particular, parents seem to be worried about how expensive items have gotten. 60% said that skyhigh prices on items is the reason they will struggle with shopping lists this year, with 38% revealing they expect to spend between $501 to $1,500. According to a new Deloitte report, they aren't far off. While prices on items have gone slightly down since last year, back-to-school spending for K–12 students is massively expensive, costing parents $570 per child on average, or around $30.8 billion total. Adding to parents' expenses are their kids' own list of 'must-haves,' or, nonessential items they see on social media and sometimes feel (because it appears online like everyone has them) are necessary commodities. JellyCats and Labubu Dolls are particularly huge this year. And 51% of parents say their kids are begging for trending items. More than half (54%) say they do feel pressured to get their kids the items their IRL friends or social media friends have, too. Alev urges parents to trim what they can, staying away from buying the nonessential trending items, saying, 'consider using it as an opportunity to have a thoughtful, age-appropriate conversation with your kids about money, teaching them the importance of budgeting and prioritizing needs over wants.'
Fast Company
08-07-2025
- Business
- Fast Company
What is vibe-based budgeting? Over half of Gen Z and millennials are doing it
To say Americans are grappling with economic uncertainty is an understatement. From boomerang tariff policies to the high cost of living, inflation, and mass layoffs, many people are increasingly worried about the economy and their ability to stay afloat. One way that's affecting Americans? Their budgeting habits—and many are now engaging in what's called 'vibe-based budgeting,' according to a report from Intuit Credit Karma. Here's what to know. What is vibe-based budgeting? New data from Intuit Credit Karma showed that 44% of Americans have engaged in 'vibe-based budgeting'—adjusting their spending and financial habits based on 'how the economy feels,' even if their personal financial situation hasn't actually changed. Over half of younger Americans admitted to budgeting this way (56% of Gen Z and 57% of millennials). That mindset is tied directly to recent news about the economy, both on and off social media, according to Intuit Credit Karma. The data showed many Americans believe that prices are climbing rapidly (44%), their finances are unstable (34%), and a recession is just around the corner (28%), with 61% reporting they are more anxious about the economy now than they were a year ago. A bleak picture but a better reality In contrast to that bleak economic picture, when asked to drill down on their own finances, half of those surveyed (51%) reported having a positive monthly cash flow, with nearly three-quarters (72%) saying it's actually improved or stayed the same over the past six months. However, 48% said that media coverage and changing economic conditions have made them second guess their financial standing. In short, the findings show a gap between how those surveyed feel about the state of the economy and the future, versus how they are actually doing financially. It also showed that their anxiety over the economy is making them more deliberate about how they manage their money, with 45% of those concerned about the economy reporting they have cut back on non-essential spending like eating out, and 38% avoiding new debt or loans. The good news is that those who have adjusted their budget have a more optimistic outlook; 38% said they expect their financial situation to improve in the coming year. The Intuit Credit Karma findings are based on data from a Qualtrics online survey that ran last month from June 13 to June 17, among 1,058 adults aged 18 and older.
Yahoo
08-07-2025
- Business
- Yahoo
Gen Z and millennials are taking on debt to go on group trips. Experts offer tips for protecting your money
When Maggie Hansen and a group of 11 of her friends made the trip to San Diego for her bachelorette party last year, she and her maid of honor tried to be as transparent as possible about the costs the 12 attendees would incur. Some could be anticipated, like airfare and a wine tasting excursion, but there were also unpredictable expenses like Ubers, bar tabs, and more. While the financial costs of the getaway were inevitable, Hansen wanted to avoid adding emotional ones: In particular, the feelings of resentment, guilt, or disappointment that often arise with group trips. Since incomes and spending habits vary within a friend group, those feelings can multiply and fester. One friend may not drink alcohol or eat meat. That can easily cause problems if they are expected to split cocktail- and steak-heavy tabs with their friends who do. Another may make significantly less than others in the group but feel uncomfortable admitting to that fact. Hansen's dilemma will be familiar to plenty of 20- and 30-somethings who have attended increasingly expensive weekend trips with friends, destination weddings, or even concerts. Nearly 40% of Gen Z and millennials say they have a friend who drives them to overspend, according to data from Credit Karma, and while dining out and birthday celebrations often lead to profligate spending, weddings and bachelor and bachelorette parties are particular pain points. Some 56% of members of these generations feel they must attend these events even if it will put a financial strain on them, a separate Credit Karma survey finds. As a result, 38% say they have taken on debt. Hansen, 31, took pains to avoid these outcomes. She began by asking for her friends' preferences via Google survey before anything was booked, and planning around the budgets of friends who are educators as much as those who work in more lucrative careers like sales. The group also used apps like Splitwise and Tab to keep track of what everyone spent (with Splitwise, friends can split dinner tabs however they want, and tax and tip are automatically recalculated). That way, friends who weren't partaking in drinks at dinner weren't obligated to split the cost while not imbibing, and there was no awkward dance of who's-paying-this-time, especially as some of the attendees were just meeting for the first time on the trip. It allowed each person to keep to their own budget. For less well off friends, Hansen was able to use credit card points to help pay for their flights. Her maid of honor worked out payment plans with friends who wanted to attend but couldn't front the total cost at one time. Hansen acknowledges she was lucky to be able to do this and that it wasn't a financial strain on her maid of honor; it only works if everyone is honest about what they can take on. 'I tried to make it where it's no pressure,' she says. 'If you need assistance, this is my wedding, and I want you part of it. And I can opt into helping.' Before big events or weekend trips, discussing spending expectations upfront is a must, says Thomas P. Farley, a keynote speaker and etiquette expert also known as Mister Manners. 'There should be no surprises financially,' Farley says. 'While this may seem overly pragmatic, it can help avoid misunderstandings, hurt feelings and bruised credit cards after the fact.' If you are asking people to come on the trip, consider if there are any expenses you can fully cover, like an exclusive dinner or excursion, and make it known from the jump that you will be paying for it. That could help cut the tension: According to the Credit Karma survey, 48% of millennials and Gen Z respondents believe the bride or groom should cover at least some of the costs of a bachelor or bachelorette trip, like travel and lodging; 32% think the bride or groom should cover all of their costs. Also keep in mind that guests may need to take days off work to attend or miss out on other events in their life. Try to create a space where friends feel safe discussing their financial expectations; money can cause anxiety and other heightened emotions, and you want to be sure everyone is having a good time without worrying about the state of their bank account. 'Being open and honest about where you stand financially can help you and your friends better understand each other's relationship with money,' says Jack Howard, head of money wellness at Ally Financial. That said, the person planning the trip can only do so much. Farley says those with limited funds or different financial priorities need to 'be brave enough to opt out.' Relatedly, skip parts of the itinerary that don't fit into your budget as needed. Yes it might feel uncomfortable or awkward, but friends will understand your limitations. 'No friend should lose sleep over how they are going to climb out of the debt they incurred during a destination bachelorette party, ski weekend, or even an expensive dinner,' he says. 'If it's not within your budget, better to share that candidly.' Jamila Musayeva, a certified etiquette coach from the International Etiquette and Protocol Academy of London, says to approach the conversation around collective comfort, rather than singling out any one person in the group. That helps open the door to honest dialogue. 'The most graceful way to approach it is with clarity and kindness,' says Musyeva. 'You might say, 'I'd love to join, and I want to make sure we're all aligned on budget expectations before we book anything, should we set a spending range so everyone feels comfortable?'' If someone proposes an expensive activity you can't work into your budget, it's okay to push back, but tone is everything in these situations, she says. You want to be warm, casual, and proactive. 'A polite yet firm way to respond would be, 'That sounds amazing! It might be a bit outside my current budget, would anyone be open to a more low-key option?'' she says. 'You can also offer alternatives to show you're still enthusiastic about participating, just within your means.' In fact, if you are the friend with the limited budget, then you should aim to be involved in the planning process, says Zina Kumok, financial advisor and personal finance expert. That way you can have some control over the cost. 'It's not fair to have your friends plan everything and then for you to complain that you can't afford it, you have to get involved,' Kumok says. 'If you don't have time to plan, then you need to give your friends your total budget and ask if they can stick to that.' In situations where there are large discrepancies between who orders what at a restaurant, or when one friend is routinely stuck paying more than his or her fair share, Andrea Woroch, a personal finance and budgeting expert, says it's acceptable to request separate checks. This can help 'to avoid the awkward moment when you're trying to itemize the bill,' Woroch says. Just inform your server at the outset of the meal. Otherwise, have a discussion before your group goes out on how to split the bill. Regardless, ensure someone in the group either takes a photo of all of the receipts, or keeps the physical copies in one place. Erika Rasure, chief financial wellness advisor at Beyond Finance, a financial services company, suggests setting aside 15 minutes after you receive the invite to review your budget and see how much you can feasibly (or want to) spend. If you are worried that you will blow your budget in the moment—which can be easy to do in the midst of a good time with friends—she suggests loading your budget onto a prepaid debit card before the trip. 'That way you can swipe without worrying about going over or touching your credit card,' Rasure says. 'It's a really simple tool that helps keep you on track.' This story was originally featured on
Straits Times
03-07-2025
- Business
- Straits Times
Are Gen Z the good at managing money?
Almost half of Gen Z – 49 per cent – have decided saving for the future is pointless, according to a late May Credit Karma survey. The financial behaviours of Gen Z have been nothing if not consistent over the last few years. They routinely create trends about the merits of spending while you're young and fun. A few years ago, it was posting the text 'I'll make my money back, but I'll never…' with some image of a perceived once-in-a-lifetime experience. Now, the cohort is increasingly participating in 'doom spending' – a form of retail therapy that helps consumers cope with everyday stresses – more than older generations. It dovetails with another troubling trend: Almost half of Gen Z – 49 per cent – have decided saving for the future is pointless, according to a late May Credit Karma survey.
Martechvibe
03-07-2025
- Business
- Martechvibe
Intuit Introduces Virtual AI Agents
The Intuit AI agents act as a virtual team that automates key workflows — from CRM to accounting — helping businesses save time, improve cash flow, and scale with real-time insights and human expert support. Intuit Inc., the financial technology platform that makes Intuit TurboTax, Credit Karma, QuickBooks, and Mailchimp, has announced a set of Intuit AI agents that will improve how businesses run and grow. These agents will automate workflows and when combined with human experts will deliver real-time insights and improve cash flow for businesses. The new AI agents, integrated into the Intuit platform, make QuickBooks more efficient by acting as a virtual team that supports businesses while keeping the customer in control. These agents handle workflows across areas such as customer relationship management, financial analysis, payments and accounting. By connecting data across multiple applications, the agents offer a centralised, real-time view of key business metrics and performance. 'Intuit's AI-driven expert platform is transforming how businesses run and grow with first-of-its-kind agentic AI experiences,' said Sasan Goodarzi, Intuit's CEO. 'When our vast amounts of data and AI capabilities are combined with the power of trusted human experts, Intuit's uniquely designed, integrated platform unlocks next-level efficiencies, profitability, and growth for businesses.' Intuit's new AI agents will help businesses – at every stage – scale, enabling them to grow on a platform they know and trust. The AI agents complete day-to-day tasks, including managing customer leads, tracking payments, sending invoices, and reconciling a business's books. ALSO READ: Intuit Buys Mailchimp For $12 Billion In addition, new, integrated collaboration tools allow a business owner and their accountant to seamlessly communicate and work together in QuickBooks. With the automation of workflows, collaboration with trusted experts, and the ability to deliver real-time, personalised, and actionable insights, businesses move faster, operate smarter, and uncover greater efficiencies and growth. Intuit's AI Agents Payments Agent: Optimises and grows cash flow by getting businesses paid an average of 5 days faster with tailored acceleration strategies that predict late payments, automate invoice tracking, and create and send invoices and reminders. Accounting Agent: Automates bookkeeping and transaction categorisation, and assists in reconciliation, delivering cleaner, more accurate books. Finance Agent: Provides a comprehensive approach to the financial management of growing, mid-market businesses with robust reporting, KPI analysis, and scenario planning and forecasting based on performance and peer benchmarking. 'I need more time to be able to invest back into my business,' said Kurtis Graham, Founder, COSIGN Enterprises, LLC. 'Intuit's AI can help me save several hours a month and drive revenue for my business. That's a win-win for my business.' The Customer Hub, included in most QuickBooks Online plans, will provide two new virtual agents that automate and streamline the sales and customer relationship management (CRM) process, managing new leads and existing customers in one place to improve CXs and build stronger relationships. Customer Agent: Sources leads, drafts personalised email responses, suggests and schedules meetings based on engagement data, and tracks every customer opportunity in the sales cycle. Marketing Agent: Coming later this year, it will automate audience management, campaign execution, and content creation to deliver impactful acquisition and retention marketing campaigns via Mailchimp. The launch of Intuit's AI agents is the latest development built on the Intuit platform, combining artificial intelligence with human expertise to support customers. Businesses and their accountants now have access to a virtual team that helps save time, simplifies daily operations, and supports accountants in offering faster, more informed advice on important decisions. ALSO READ: Intuit Mailchimp Launches Campaign Manager And Webhooks The Martechvibe team works with a staff of in-house writers and industry experts. View More Locala's omnichannel advertising platform leverages granular insights and cutting-edge AI to help marketers plan, activate, and measure campaigns that are personalised to the local consumer. 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By accessing its purpose-built reports, teams can determine the effectiveness of their marketing campaigns, segments, and channels in achieving sales goals. Its B2B account engagement features let brands deliver predictable and personalised marketing-led B2B insights at scale. VISIT WEBSITE MoEngage is a global AI-driven marketing platform that enables brands to orchestrate omnichannel campaigns from a single intuitive interface. Utilising MoEngage's User Path Analysis capabilities, marketing teams can target customers across 10+ channels, depending on their purchase behaviour. VISIT WEBSITE Intuit Mailchimp is an AI-powered omnichannel platform that offers email and marketing automation functions. With its customised pre-built audience segments, marketers can scale their campaigns based on individual contacts' demographic information and shopping behaviour. 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VISIT WEBSITE Adobe Experience Cloud features Adobe Campaign, enabling marketers to synchronise their customer data from various channels for omnichannel marketing. By leveraging its omnichannel integration with Adobe Journey Optimiser, brands can build multi-step journeys, campaigns, and personalised real-time moments that follow their customers across channels. VISIT WEBSITE ActiveCampaign is an intelligent multichannel marketing automation platform that enables marketers to seamlessly connect campaigns across the channels that matter most to them. It helps enterprises streamline personalised marketing, transactional emails, and one-to-one CRM interactions throughout the customer lifecycle. VISIT WEBSITE UiPath offers a comprehensive AI-powered robotic automation platform, enabling marketers to streamline recurring functions, such as lead automation and customer engagement. 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VISIT WEBSITE Microsoft Clarity is a behavioural analysis tool that helps marketers understand user interaction with their website. It supports features like Session recordings, Heatmaps, and ML insights in real time. Processing more than a petabyte of data from over 100 million users per month, Clarity accommodates limitless traffic for various marketing measurements at scale. VISIT WEBSITE Powered by AI-led insights, Merkle offers scalable marketing analytics and CX technology solutions, helping brands to optimise their campaigns. Some of its flagship solutions are Measurement & Media analytics, Consumer & Experience insights, and Product & Market intelligence. VISIT WEBSITE Hubspot offers marketing analytics and dashboard software, enabling businesses to make data-backed decisions for use cases, such as revenue generation, site analytics and detailed reporting. 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Additionally, it offers Google AdMob to help businesses plan their in-app revenue generation strategy. VISIT WEBSITE Criteo is an all-in-one connected commerce media platform, enabling marketers and agencies to scale their digital and physical assets. Leveraging the capabilities of its AI-powered technology, brands can develop strategies for intent-based product recommendations, multi-prolonged accessibility, contextual advertising, and more. VISIT WEBSITE Basis Tecnologies (formerly known as Centro), is a programmatic advertising platform, offering ad management tools for search, social and site direct via a single interface. Its flagship products are Basis Assistant and Basis Automate+. Basis Assistant is a Chrome extension, connecting 20+ platforms and tools, and Basis Automate+ is a digital advertising automation tool for simplifying campaign process. VISIT WEBSITE AppsFlyer is a mobile attribution company, helping mobile advertisers to identify their ad network. It offers a measurement suite, giving app marketers full visibility into their customer journeys while preserving their privacy. Utilising its AI-powered Creative Optimisation platform, marketers can formulate their creative strategy. VISIT WEBSITE Adtriba is a cross-channel digital marketing management platform based on data-driven attribution modelling. Its solutions include Adtriba Triangulation, enabling advertisers to witness the integration of diverse measurement methods, such as Marketing Mix Modelling (MMM), Multi-Touch Attribution (MTA) and Incrementality Testing. VISIT WEBSITE Adobe Experience Cloud offers connected advertising solutions with its natively integrated Adobe Advertising platform. Its consultancy-based reporting options come with AI-powered optimisation features, helping advertisers analyse their ad performance via 200+ measurement metrics. Utilising its connected TV (CTV) and search, social, and commerce tools, marketers can optimise their customer acquisition strategy. VISIT WEBSITE specialises in Conversational AI, generating autonomous conversations that appear human-like. These conversations form the foundation of brand engagement. Their AI-powered, no-code Dynamic Automation Platform manages around two billion conversations from a multitude of channels in numerous languages. VISIT WEBSITE Sprinklr offers a comprehensive suite of 250+ AI-intent bot templates for various industry verticals to accelerate bot development. Its specialised AI and compliant rule engine enables marketers to modify and automate their promotional campaigns for better engagement via suggestion-based personalised bots. VISIT WEBSITE Meta's new class of generative AI features and creative tools allow users to create and share custom stickers or update the visual style of their photos with a simple text prompt. They can also chat with 28 different AIs and get unique perspectives on topics like travel, games and food. VISIT WEBSITE is a UI-based platform that allows marketers to create a chatbot quickly and deploy it easily on multiple channels. Leveraging the capabilities of its conversational builder, enterprises can build the Dialogflow using dialogue messages. Some of its popular offerings include XO: Experience Optimisation and GALE(Beta). VISIT WEBSITE IBM watsonx Assistant is an interactive virtual agent that utilises natural language and AI, enabling users to set it up on their app and website. It offers fast and accurate responses to customers, enhancing their overall experience and satisfaction with its adaptive learning capabilities. VISIT WEBSITE Haptik helps enterprises manage their customer lifecycle with generative AI-powered conversational solutions to boost marketing and sales. It offers Contakt and Interakt to enhance overall CX, where Interakt enables marketers to send hyper-targeted and personalised campaigns to drive customers to take action on WhatsApp. VISIT WEBSITE Dialogflow is an all-in-one platform for developing chatbots, voice bots, and virtual agents using natural language understanding and Google AI. It helps marketing teams create conversational agents that can handle common customer requests and issues, such as FAQs, and order status at scale. VISIT WEBSITE Dialpad is a fully integrated unified conversation intelligence platform that utilises ongoing ML(Machine Learning) algorithms and does not require coding to configure a chatbot. It offers real-time insights and tips, helping marketing teams customise their approach for every customer. VISIT WEBSITE is a low code-no code, enterprise-grade generative AI platform offering readily available LLMs for CX transformations. Its omnichannel reporting and analytics suite for marketing enables organisations to streamline their customer journeys. VISIT WEBSITE is a global conversational AI technology provider optimised for operational efficiency at scale. It offers self-learning AI capabilities that emphasise Natural Language Understanding (NLU) along with intent suggestions. VISIT WEBSITE Avaamo is an all-in-one conversational AI platform for enterprises offering a suite of industry-specific skills developed to automate and resolve common use cases. It offers Outreach, which enables marketers to educate and engage with customers across existing touchpoints through proactive and personalised communication. VISIT WEBSITE Amazon Lex offers fully managed conversational AI interfaces with advanced natural language models to design, build, test, and deploy conversational interfaces in applications. It enables sales and marketing teams to automate user tasks in their applications like the CRM and across any digital channel. VISIT WEBSITE Zendesk is an AI-powered customer feedback software provider, offering customer satisfaction (CSAT) software to businesses across multiple industries. Its marketplace offers 1600+ apps and integrations, enabling marketers to create a complete customer feedback system. VISIT WEBSITE UserVoice provides product feedback management software for SaaS businesses. Its UserVoice Validation tool delivers actionable user insights to inform roadmap strategy. From testing ideas to ensuring satisfaction with released features, it helps research and marketing teams gather quick user feedback throughout the entire product lifecycle. VISIT WEBSITE Twilio provides integrated Mindful Feedback functionality within its Flex offering, enabling marketers to automatically take action based on real-time customer feedback. It automatically collects customer feedback after Flex interactions by capturing feedback over post-call voice IVR, outbound voice IVR, conversational SMS, Web SMS, email, and web surveys. VISIT WEBSITE Trustpilot offers ML and AI-powered feedback management tools, helping marketers build trust and loyalty through customer reviews. Its AI-driven Review Insights tool enables marketers to identify growth areas from negative feedback, whereas its Image Generator tool lets them enhance social media engagement. VISIT WEBSITE Survey Monkey is a global online survey and forms tech stack provider, offering AI-fueled market research solutions to businesses. Its enterprise feedback management program provides 250+ templates with the capabilities of customisation, allowing organisations to build tailored survey forms. VISIT WEBSITE Sprinklr is a unified customer experience platform (CXM), offering AI-powered feedback management capabilities with its flagship product: Sprinklr Surveys. It integrates solicited customer feedback with unified-CXM data, enabling brands to derive meaningful, actionable insights. Utilising its genAI-powered survey builder, marketers can create conversational surveys to streamline their NPS strategies. VISIT WEBSITE Salesforce is a comprehensive customer-oriented technology provider offering a feedback management suite. Salesforce's survey responses help marketers create personalised surveys based on their existing customers' data. Some of the supported applications of its feedback management platform are genAI-powered survey form development and sentiment-insights-based survey collections. VISIT WEBSITE QuestionPro is an online feedback software provider, offering ready-made survey templates to businesses across 40+ countries. Leveraging the capabilities of its customer satisfaction templates, advertisers and marketers can create and gather tailored questions. VISIT WEBSITE Qualtrics is an all-in-one customer experience solution provider, offering website & app feedback tools for organisations to collect customer feedback efficiently. Its digital experience analytics capabilities combined with DXA integrations, bring together verbal and behavioural data for in-depth analysis of user feedback. VISIT WEBSITE HubSpot is a one-stop marketing platform, providing customer feedback software under its Service Hub offerings. Its pre-built APIs include net promote score (NPS), customer effort score (CES), and customer satisfaction (CSAT) surveys, allowing marketers to strengthen their customer loyalty strategy. VISIT WEBSITE Medallia is a comprehensive platform, enabling marketers to capture feedback from all customer touch points. Some of its popular feedback management software capabilities include Sense360 for analysing consumer spending, Medallia Video to automatically extract meaningful insights from customer's feedbacks and Agile Research for creating branded surveys in real-time. VISIT WEBSITE Zeotap lets brands integrate, unify, segment and orchestrate customer data, fostering a cookieless future. It offers a 'Non-Customer Entity Data' feature that helps marketers to integrate both customer and non-customer entity data. VISIT WEBSITE Twilio provides, Twilio Segment, an AI-powered CDP, enabling marketers to streamline their personalised customer engagement journeys. It brings together clean, consented customer data for real-time insights with 450+ pre-built connectors. VISIT WEBSITE Syntasa provides data-ready CDP capabilities, equipping marketers with essential tools to prepare their customer data. It offers real-time sentiment analytics capabilities, helping enterprises derive behavioural insights from unified user profiles to foster hyper-personalised experiences. VISIT WEBSITE SAP is a company-wide customer data management platform, helping marketers improve engagement, conversion, and retention. It offers a genAI-powered data model, enabling enterprises to unify their B2B and B2C customers' profiles to reach their personalisation goals. VISIT WEBSITE Oracle is a global database management company, providing CDP solutions, under its flagship product: Oracle Unity. Its AI-powered models enable marketers to create hyper-personsalised campaigns with predictive insights by streamlining real-time customer data from heterogeneous sources. VISIT WEBSITE Growthloop is a composable CDP platform, allowing marketing and sales team to action their data at scale. It offers GrowthLoop Audience Builder, enabling marketers to initiate their lead generation functions. VISIT WEBSITE Adobe Experience Cloud offers a real-time CDP, letting users create high-value audience segments for B2C and B2B use cases across their marketing funnel. It follows a cookieless marketing approach to automatically unify customer data across various online and offline channels in real-time. VISIT WEBSITE ActionIQ is a composable CDP platform that offers audience segmentation, acquisition marketing, and Customer 360 capabilities. It integrates analytical tools, enabling marketers to collect and analyse their first-party customer data at scale. VISIT WEBSITE Zoho CRM leverages automation and comprehensive analytics to empower any sales team, fostering stronger customer loyalty. Ideal for both small businesses and enterprises, this software enables enhanced productivity and tailored solutions through predictive intelligence. VISIT WEBSITE Zendesk offers Zendesk Sell, an easy-to-deploy CRM platform that is simple to deploy and navigate, catering to businesses of any scale. Its mobile-friendly Sell app has the functionalities of geolocation, helping sales and marketing teams. Offering an all-in-one CRM platform, organisations can implement use cases like prospecting, engagement, lead generation and communication capabilities. VISIT WEBSITE SugarCRM is a global CRM software provider, helping marketing, sales, and service teams improve efficiency through automation, data, and intelligence in near real-time. It offers Sugar Market, an all-in-one marketing automation platform that helps marketers to automate their campaign with higher ROI. VISIT WEBSITE Salesforce is a one-stop sales and support CRM software that regularly updates customer records, tracks emails and calls, and creates organised support processes for quicker customer responses. Its simple and scalable infrastructure is ideal for businesses of all sizes. VISIT WEBSITE Pipedrive stands out with its emphasis on automation, tailorability, and seamless integration. Purposefully built to enhance the efficiency and productivity of sales professionals, this CRM solution has an intuitive setup and robust capabilities. It facilitates lead generation, comprehensive sales analytics, and seamless business expansion. VISIT WEBSITE Oracle NetSuite CRM, a component of Oracle's business software suite, is for all midsize and booming businesses that want a comprehensive, integrated CRM solution with ERP capabilities. Using it, customers and partners can directly interact with the platform, freeing the additional work load for their sales team. VISIT WEBSITE Microsoft Dynamics 365 Sales represents a robust cloud-based CRM solution brimming with features such as pipeline assessment, relationship analytics, and conversational intelligence. It utilises AI-powered insights to provide actionable intelligence via predictive analytics, lead scoring and sentiment analysis. VISIT WEBSITE Less Annoying is a CRM software that utilises a straightforward search feature within its contact management system, making it easy to track contacts. It is ideal for small-sized businesses and offers a highly intuitive and user-friendly interface. VISIT WEBSITE Insightly offers CRM software solutions for enterprises looking to understand their audience data across various marketing functions. It integrates seamlessly with third-party apps, streamlining workflow automation, including bulk emailing and report generation. VISIT WEBSITE HubSpot's sleek dashboard with consolidated CRM tools simplify complex customer data, further transforming it into meaningful insights. Complementing typical CRM functionalities, HubSpot provides tailored options, including conversation intelligence and email monitoring. VISIT WEBSITE Apptivo delivers adaptable and web-based CRM solutions, enabling marketing and sales teams to streamline all customer service requirements across various devices and browsers. Despite its focused feature set, it encompasses over 65 interconnected applications alongside a robust sales pipeline management tool, ensuring efficient tracking of potential leads without any downtime. VISIT WEBSITE Sitecore offers composable cloud solutions with its flagship products, Sitecore Experience Platform(XP) and Sitecore Experience Manager (XM). They help marketers to overcome scalability challenges. Some of its features include intuitive visual editing, headless delivery, marketing automation, scalable personalisation, data and machine learning capabilities. VISIT WEBSITE Salesforce Experience Cloud is a platform that helps enterprises link clients, partners, and employees to securely exchange information and documents. Built on its Customer 360 platform, Salesforce's DXP ensures seamless integration with any solution in the Salesforce ecosystem. VISIT WEBSITE Oracle Cloud offers a comprehensive suite of platform-based marketing automation solutions for personalised B2B and B2C automation campaigns. Some of its featured products are Eloqua Marketing Automation, CrowdTwist Loyalty and Engagement, and Unity Customer Data Platform. VISIT WEBSITE Optimizely is a digital experience platform (DXP) provider that offers Optimizely One, an easy-to-use and fully integrated suite. It provides a single, unified workflow with thoughtfully embedded AI and machine-learning algorithms, accelerating work across the entire marketing lifecycle. VISIT WEBSITE OpenText offers a cloud-native, scalable platform for enterprises to streamline their marketing functions. It provides fully composable content management, digital asset management, creative workflows, personalisation, targeting and customer data technologies in one place, ensuring a holistic approach to B2B, B2E and B2C experiences. VISIT WEBSITE Neptune DXP is a PaaS(Platform-as-a-Service) provider, helping marketing teams build custom apps based on modular, reusable application building blocks. The company offers flexible environments to businesses across different verticals, further providing personalised digital solutions at scale. VISIT WEBSITE Magnolia is a composable DXP that comes with no-code connector packs and low-code micro-frameworks for third-party integrations. It also offers an open-source version alongside its commercial plans enabling enterprises to build tailored use cases. VISIT WEBSITE Liferay DXP helps marketers deliver personalised and connected digital experiences across a broad range of channels, including customer portals, websites, intranets, mobile apps, and connected devices. It offers intuitive CMS, user analytics, and site management tools that businesses need to launch, test and optimise digital experiences for faster go-to-market. VISIT WEBSITE Powered by IBM Consulting, IBM iX offers a composable DXP, providing a comprehensive solution to make enterprises' systems future-ready. Utilising its data-driven insights and intelligent workflows, marketers can design and deliver human-centred experiences across the customer lifecycle. VISIT WEBSITE HCL Digital Experience (DX), forms part of a wider HCL Customer Experience (CX) product portfolio, offering core capabilities such as content management, DAM, CDP called Signals, and low-code application development. It provides services in government, life sciences, insurance, financial services, and other verticals. VISIT WEBSITE Contentstack is a headless CMS and Composable Digital Experience Platform (DXP) solution provider that helps marketers gain a competitive edge. It recently launched into Google Cloud Marketplace, and is also available on Microsoft Azure and AWS. It seamlessly enables mid-market brands to adopt its omnichannel campaign engine to drive higher conversions and sales. VISIT WEBSITE Bloomreach Commerce Experience Cloud provides businesses an edge with its modular capabilities: Content Management System (CMS), Discovery features for search and merchandising optimisation, and Engagement tools such as Customer Data Platforms (CDP) for personalisation and analytics. VISIT WEBSITE Adobe Experience Cloud offers a comprehensive set of services specifically designed to address the day-to-day requirements for personalised customer experience at scale. Its platform helps manage different digital content and assets to improve customer satisfaction. Some of its products include Adobe Gen Studio, Experience Manager Sites, Real-time CDP, and Marketo Engage. VISIT WEBSITE Acquia offers DXP solutions, comprising of two main elements: Acquia Drupal Cloud and Acquia Marketing Cloud. It can be accessed in both platform-as-a-service (PaaS) and software-as-a-service (SaaS) with additional components such as Site Factory for multisite management, digital asset management (DAM), CDP, personalisation, and Campaign Studio. VISIT WEBSITE
