X / Twitter profile snapshot for Martin 🏹

buy now pay later was pitched as a way to spread the cost of a sofa. now 29% of users are running groceries through it, up from 14% two years ago. the fintech industry calls that growth. it actually is a generation turning a checkout button into a credit line for milk.

hello mutuals 👋 this feels like the most significant algorithm update in a long time. timeline seems way more relevant, and seeing the people i choose to follow is so much better.

korea's 20 somethings have found a new competitive sport called spend nothing. they log a normal day, no coffee, no delivery, no impulse buy, no eating out, then post it like a personal best. it's like a new type of life raw dogging. is this the first generation trying to

you have less attention than a goldfish now. that statement gets thrown around by everyone in media while americans bought more hardback books last year and settled in for 3 hour podcasts.

there's a category of luxury spending in china right now called spiritual luxury. it means paying real money for things that are supposed to protect you, not impress anyone. a $5k cartier bracelet marketed as protection from a bad boss. a $15 wooden plaque at a temple so a god

blockchain was going to kill centralised banking yet from what I see banks grew instead. revolut is now the biggest bank in europe with around 57m customers. now AI hype cycles run the same script. there's some new model, everyone panics, then 3 weeks of everyone's about to be

i'm still more scared of excel than i am of any AI model. one of them has ruined more careers with a broken formula than the other has taken jobs.

never deleting this app

so kfc has hired it's first chief concept officer who's job isn't reflecting what customers want, it's building the thing they don't know they want yet. most marketing budgets go on finding out what customers already want and giving them more of it. kfc built this job title

i think it's time to stop ignoring the elephant in the room and make AI a core part of education

i'm reading some websites are seeing more traffic but less google traffic at the same time. sounds weird right? that only makes sense if something other than people is doing the visiting and we all know what that is. yet most analytics tools still count them as one number. is

your brand guidelines need to be an api, not a pdf. right now a tired support agent or an overconfident ai chatbot fields a refund request at 8pm with nothing to check itself against, so it invents a tone. the answer's probably right but it'll just feel like a different company.

build the machine that builds the machine. this is the most valuable thing you can do with AI.

two really good marketers on my team sent me posts for our company the same week. both nailed it. for some other company but not ours. one used their own prompt, one copied some youtube guru. nobody got it wrong and that's the problem.

imagine taking the people who land rockets backwards and telling them to go fix grok. this is why grok might be the dark horse for 2027.

people working in payments and fintech treat cash as the thing we're rescuing people from but they've got it backwards. people are going back to cash on purpose, because invisible money is too easy to spend and they want to feel it leave. for some people, holding physical notes

adidas has the world cup this year the biggest stage in sport. and it just won cannes top entertainment prize for an oasis campaign with no football in it. a good reminder that culture does not care about your sponsorship calendar.

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