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Confused About the Economy? We can Help!

In a recent piece on CNN ... eyebrows were raised about the state of America's economy. The article describes a growing disconnect in the U.S. economy: strong growth and rising corporate productivity driven by artificial intelligence, but weak job creation. Companies are investing heavily in AI and automation, which allows them to increase output without hiring more workers — especially in roles involving routine or administrative tasks. This dynamic has produced what economists call a “jobless boom”: profits and productivity rise, while new jobs lag behind. The Federal Reserve is increasingly concerned because this trend creates risks for both workers and the broader economy. Lower-skilled and entry-level workers face displacement, wage inequality may widen, and traditional unemployment metrics may understate how difficult it has become for people to re-enter the job market. Policymakers now face a harder balancing act as AI reshapes labor demand, raising questions about retraining, social supports, and how to manage an economy where growth no longer guarantees broad-based job creation. If you're confused - don't feel bad. In fact, if you're a journalist covering this topic - let us help. Dr. Jared Pincin is a nationally respected expert on economic issues facing the United States of America.  He's available to speak with media - simply click on his icon now to arrange an interview today.

One AI-based advancement at a time, UF leaders are transforming the sports industry

As emerging technologies like AI reshape sport industries and professional demands evolve, it is essential for students to graduate with the expertise to thrive in their future careers. To ensure that these students are set up for success, the UF College of Health & Human Performance has launched a new sports analytics program. Led by Scott Nestler, Ph.D., CAP, PStat, a professor of practice in the Department of Sport Management and a national analytics and data science expert, the program ties back to the UF & Sport Collaborative – a five-part project intended to elevate UF’s presence on the global stage in sports performance, healthcare and communication. “Tools and insights that previously were only available to professional sports teams are now coming to the college level, and it makes sense for universities to begin using these data, technologies and new analytic methods,” Nestler said. The sports analytics program fosters collaboration between academic units, such as the Warrington College of Business and the University Athletic Association, helping bridge the gap between sport research and innovation and empowering students to address real-world challenges through data and AI. For example, the program offers opportunities to leverage technology and analytics for strategic decision making in player acquisition, team formation and in-game decisions. Beyond performance metrics, the program also explores marketing strategies and revenue analytics, providing a well-rounded understanding of the field. “When you have enough data and a large enough sample of individuals, AI can help make predictions that otherwise would take prohibitively longer for a human to accomplish with traditional methods,” said Garrett Beatty, Ph.D., the assistant dean for innovation and entrepreneurship and an instructional associate professor in the College of Health & Human Performance’s Department of Applied Physiology and Kinesiology. “Because those data volumes are getting so large, AI models, machine learning, deep learning and other strategies can be leveraged to make sense and glean insights from sport and human performance data in ways that have never been done before.” The program seeks to offer several educational opportunities, such as individual courses, certificate programs and potentially a full degree program. In the long term, Nestler envisions the program evolving into a center or institute, beginning with establishing a research lab in the spring. Additionally, the program will leverage the university’s supercomputer, HiPerGator, to analyze larger data sets and use newer predictive modeling machine learning algorithms. “As faculty and staff move from working with box score and play-by-play data to using tracking data, which contains coordinates of all players and the ball on the field or court tens of times per second, the size of data files in sports analytics has grown tremendously,” Nestler said. “HiPerGator, with its large storage capacity and multiple central processing units/graphic processing units, is ideal for using in sports analytics work in 2025.” Nestler also aims to increase student involvement by enhancing UF’s Sport Analytics Club and hiring research assistants to work on projects for the University Athletic Association. “We need to take a broader view of what AI is and realize that it incorporates a lot of what we’ve been calling data science and analytics in the form of machine learning models, which came more out of statistics and computer science. Those are types of AI and those that I think will largely continue to be used in the coming years within the sports space,” Nestler said. “Also, we’re continuing to see growth in the number of people interested in working in this space, and I don’t foresee that changing. Fortunately, we are also seeing the number of opportunities available to those with the appropriate skills increase as well.”

Why Are Canadian Banks Not Protecting Seniors? The $40 Billion Dollar Question

After an 89-year-old Victoria man lost $1.7 million to phone scammers despite bank red flags, retirement expert and authour, Susan Pimento, exposes a critical protection gap: while U.S. banks like Bank of America offer "Trusted Contacts" (designated people banks call to verify suspicious transactions) for all accounts, Canadian banks restrict this safeguard to investment accounts only—leaving everyday banking vulnerable where most fraud occurs. In Canada, senior fraud is vastly underreported (RCMP estimates only 5-10% surface), and banks are treating this as a cost issue rather than a moral crisis.  Susan Pimento is available for interviews to discuss practical solutions, industry insights from her decades of work within financial institutions, and why Canadian banks are failing to implement a simple fix that could save seniors' life savings. Connect with her directly through ExpertFile to schedule TV, radio, podcast, or print interviews.  As I was polishing this post for Canadian Financial Literacy Month, another senior fraud story flashed across my screen. This one stopped me cold. According to this CBC story, an 89-year-old man in Victoria, B.C., was tricked into handing over nearly $1.7 million of his life savings in a months-long phone scam. The caller claimed to be from the fraud department at CIBC and said he was helping with a national money-laundering case. (Spoiler: he wasn't.) Despite red flags and staff awareness, the bank still allowed large in-person withdrawals. He was told to buy gold bars — yes, actual gold bars — with drafts of up to $395,000, which couriers then collected like some twisted Uber Eats retirement fraud. Every week in Canada, we see another heartbreaking headline: a senior sends thousands, sometimes millions, to a scammer pretending to be their grandchild, the CRA, or — the ultimate irony — their bank.  These scams targeting seniors don't require fancy hacking. They rely on fear, isolation, and misplaced trust. Once the money's gone, it's gone—no refund policy. And here's the kicker: what we're reading about is just the tip of the iceberg. For seniors, fraud now ranks as the top crime, and most fraud goes unreported—especially in this demographic. In a previous post, I showed how the data suggests the real figures could be 10 to 20 times higher than what's officially reported.  The RCMP estimates that only 5-10% of fraud victims come forward. Many victims never speak out due to embarrassment, fear, or confusion. Translation? For every story that makes the news, countless others suffer in silence. How The Banking Industry Can Actually Fight Fraud I've worked within financial institutions for decades. Let's just say I understand how the process works. Banks have billion-dollar tech stacks, layers of compliance, and advanced fraud detection systems that can flag a suspicious $47 transaction in milliseconds. But the solution for this type of fraud isn't a multimillion-dollar algorithm or a new "AI-powered fraud prevention dashboard." Instead, it's a human-based approach called a Trusted Contact. What's a "Trusted Contact," Anyway? It's not an app, a chatbot, or some new gadget that requires a firmware update every Thursday. It's a person.  Someone you trust — a family member, attorney, accountant, or another third-party who you believe would respect your privacy and know how to handle the responsibility of communicating with your bank in your best interests if something suspicious occurs. They don't access your money or view your accounts. They can't see that you spent $47 at the LCBO last Tuesday (Your secret is safe). They're simply your human safety net — a fraud wing person, if you will. The Origins of the Trusted Contact The concept began in the U.S. in 2018, when FINRA mandated investment firms to request a Trusted Contact Person. Canada followed in 2022, when the Canadian Securities Administrators introduced similar guidance for investment accounts. What things can be discussed with a trusted contact? As its name implies, a Trusted Contact is a designated person who is inherently trusted by the individual (and has no authority to transact business on a client’s account), so there is little to no danger that any reasonable disclosure would violate a client’s trust or give rise to any material issue.” What Canadian Banks Are Doing...And Not Doing Here's the good news. If you invest through Wealthsimple, RBC Direct Investing, TD Direct, or BMO InvestorLine, you can already designate a Trusted Contact. But here's where it gets ridiculous: RBC Direct might have that security feature — but your regular RBC chequing account? Not so much. That protection vanishes the moment Mom or Dad logs into their everyday banking. And that's where most fraud actually occurs. It's like installing a state-of-the-art security system on your front door but leaving the back door wide open with a welcome mat that says "Scammers Enter Here!" Fraud in Canada for Banks is Still a Budget Item: Not a Moral Crisis Here's the uncomfortable truth: For banks, fraud is considered a "cost of doing business." And since most of those losses are borne by customers, not the bank, there isn't much urgency to innovate.  The Big Five earned over $40 billion in total last year. They have the means to care. They're not particularly motivated to actually do so. The Big Opportunity for Banks: Add a Little Humanity to the System Banks like to boast about their AI, blockchain, and next-gen fraud analytics. But most scams don't occur because of breached firewalls — they happen because of breached hearts. A Trusted Contact provides an additional simple, low-tech layer: human verification. Picture this: The bank spots an unusual transaction — a large new payee, an international wire transfer, or a sudden gold-bar purchase (it happens). Instead of sending another automated text alert, the system could ask: "This looks unusual. Would you like us to confirm with your Trusted Contact before proceeding?" or “Just a heads-up: scammers often use urgent or unusual requests. Prefer we run this by your Trusted Contact before we proceed?” That's it. One additional step. One extra set of eyes. One brief conversation could save someone's life savings. This isn't about limiting independence — it's about safeguarding autonomy. Ensuring your decisions are genuinely yours, not the scammer's. Banks could even call it "Senior Protection Mode." I'd sign up tomorrow. Heck, I'd pay extra for it. (Shhh, don't tell them that.) Here's the Proof Trusted Contacts Work: Bank of America Did It In 2022, Bank of America became the first major bank to extend Trusted Contacts beyond investment accounts to everyday banking clients. Customers can now add a trusted person the bank can call if something seems wrong, if they can't reach you, or if staff suspect undue influence. That person can't access your money — they're just the human speed bump before disaster: one simple form, one phone number, and much heartbreak avoided. If Bank of America can do it, why can't ours? Canadian banks already have the tech — and indeed the profits — to make it happen. What's Holding Canada's Banks Back? Cue the usual excuses: "Our legacy systems can't handle that." Sure — some of your code still thinks "Y2K" is an active threat. But if you can build an app that tracks my latte points and sends me notifications about my "spending insights,"  you can add one field for a Trusted Contact. "Privacy laws make it risky." Nope. FINRA and the CSA already provide safe-harbour protections. With consent, banks can legally contact a Trusted Person. Just add a checkbox. You love checkboxes. You make us check dozens of them every time we update our password. "Customers haven't asked for it." They're asking now. Loudly. With megaphones. And pointing at stories like the Victoria gentleman who lost $1.7 million in gold bars. The business case has historically been weak because most fraud losses affect customers, not the bank's balance sheet. But here's the catch: every fraud story damages trust. And in banking, trust is supposed to be the core of the business. For Canadian Banks There's a Competitive Advantage in Caring Rolling out a Trusted Contact feature isn't just good ethics; it's good business. Imagine the marketing campaign: "We don't just protect your password — we protect your peace of mind." Seniors would love this. So would their kids. That's multi-generational loyalty money can't buy. If EQ Bank or any challenger brand wanted a PR home run, this would be it. It's Time to Take Action on Fraud To the Banks: Stop waiting for regulators to force your hand. Lead. Be the first to offer Trusted Contacts for all customers — not just investors. You have the framework, the talent, and the budget. You absolutely do not need another consultant to tell you this is the right thing to do. To Policymakers: The Financial Consumer Agency of Canada should update its Code of Conduct to include a mandatory Trusted Contact option for all customers, safe-harbour rules allowing banks to pause suspicious transactions, and annual public reporting on outcomes. Because sunshine is the best disinfectant, even in banking. To Consumers: Don't wait for policy — be the policy. Ask your bank today if you can add a Trusted Contact. If they say no, ask why not — and post it. Loudly. Talk to your family. Choose your Trusted Person now. Write your MP or MPP and ask why U.S. banks protect seniors better than ours. Remember the $3 ATM Fee Rebellion?  Canadians once revolted over paying $3 to access their own money at ATM's. We later got no-fee accounts, digital challengers, and a whole new generation of more innovative banking.  If we can rally over an ATM fee, surely we can rally to protect our parents and grandparents from losing their life savings. Fraud isn't an inevitable part of aging — it's a solvable problem. And Trusted Contacts are one of the simplest, most human solutions we have. Don't Forget Two-Factor Authentication for the Soul Adding a Trusted Contact won't stop all fraud — let's be clear about that. But it will go a long way toward slowing it down, adding a common-sense pause, and potentially saving even one senior from losing any part of their hard-earned money. It's unfortunately too late for that gentleman and his family in BC, but it's not too late for countless others. This won't crash legacy systems or drain bank profits. It just adds a little humanity back into banking — right where it belongs. Because the best kind of security isn't just two-factor authentication. It's two people who care. And if we don't care about protecting our elders, who exactly do we care about? Sue Don’t Retire…Re-Wire! Want to become an expert on serving the senior demographic? Just message me to be notified about the next opportunity to become a "Certified Equity Advocate" — mastering solution-based advising that transforms how you work with Canada's fastest-growing client segment.

Georgia Southern University computer science professor awarded NSF grant to advance protein imaging research

Proteins, often called the building blocks of life, play a central role in drug development. When scientists develop new treatments, they must understand how drugs interact with proteins involved in disease mechanisms and with proteins in the human body that influence drug response. Scientists commonly use cryo-electron microscopy (cryo-EM) 3D imaging data to study proteins. While recent advances have enabled higher-resolution images that are easier to analyze, medium-resolution images—which are more difficult to interpret—are still the most common for larger protein complexes. Salim Sazzed, Ph.D., an assistant professor in the computer science department of Georgia Southern University’s Allen E. Paulson College of Engineering and Computing, has been awarded a two-year National Science Foundation grant of about $175,000 to lead a groundbreaking project to develop novel Artificial Intelligence (AI) techniques for determining protein secondary structures from medium-resolution cryo-electron microscopy (cryo-EM) images. Improved modeling from medium-resolution images will help researchers study more proteins efficiently, giving new insights into diseases and potentially guiding the development of new treatments and future drugs. At its core, this research will combine biology and machine learning to study protein structures. The multidisciplinary approach and potential impacts on public health are what most excite Sazzed. “The impetus behind this research is the positive impact on public health and possibly contributing to the biomedical workforce,” he said. “Seeing biology and computer science combine for that kind of impact is incredibly moving.” As the Principal Investigator (PI) for the project, Sazzed will use his expertise in deep learning computer models to focus on a major challenge in structural biology: identifying the two main secondary structures of proteins—the alpha helix and the beta sheet. These structures are critical for a protein’s overall shape and function, but in medium-resolution cryo-EM images they often appear indistinct or lack clear detail, making them particularly difficult to analyze. Sazzed’s research will focus on two main goals. First, he will quantify the variability of alpha helices and beta sheets in medium-resolution images, comparing them to idealized structures. Second, by integrating this structural variability with the image data in a deep learning model, he will aim to generate more precise and accurate representations of protein secondary structures. “When we feed this information into a deep learning model along with the image data, the model should be able to determine protein secondary structures more precisely,” Sazzed elaborated. Sazzed believes students will greatly benefit from this multi-disciplinary approach. In addition to a Ph.D. student, several undergraduate students will be directly engaged in the research. A full-day workshop will also be organized, allowing Georgia Southern students from diverse disciplines to participate. This initiative will build on Georgia Southern’s strong tradition of involving undergraduates in research and will support the University’s recent focus on biomedical and health sciences. “There are many different knowledge areas coming together in this work,” Sazzed said. “It involves computer science, biology, chemistry, and even public health. I look forward to students following the research and exploring these different fields themselves.” Allen E. Paulson College of Engineering & Computing Interim Associate Dean of Research, Masoud Davari, Ph.D., echoes this sentiment and emphasizes its importance to the University’s research profile. “Sazzed’s interdisciplinary research, which bridges the gap between biology and computer science, will foster multidisciplinary research in our college—as it is cutting-edge and potentially groundbreaking in drug development to impact people’s lives nationally and globally,” Davari said. “It’s also well aligned with the college’s strategic research plan—as we make the move to R1 status to be aligned with ‘Soaring to R1,’ which is among the transformational initiatives for the University.” Looking to know more about Georgia Southern University or connect with Salim Sazzed — simply contact Georgia Southern's Director of Communications Jennifer Wise at jwise@georgiasouthern.edu to arrange an interview today.

The University of Florida’s ‘AI Queen’ is using AI technology to help prevent dementia

To help the 50 million people globally who live with dementia, the National Institute on Aging is finding researchers to develop tech-based breakthroughs that target the disease — researchers like the University of Florida’s “AI Queen.” It’s a fitting nickname for Aprinda Indahlastari Queen, Ph.D., who is applying artificial intelligence technology to study transcranial direct current stimulation, or tDCS — a technique that involves placing electrodes on the scalp to deliver a weak electrical current to the brain — as a possible way to prevent dementia. The assistant professor in the UF College of Public Health and Health Professions’ Department of Clinical and Health Psychology is using UF’s supercomputer, HiPerGator, to perform neuroimaging and machine learning analyses to study how anatomical differences may affect tDCS outcomes. “Investigating working memory in patients with mild cognitive impairment offers an opportunity to understand how cognitive processes are disrupted in the early stages of Alzheimer’s disease,” said Queen, whose study — funded by a National Institute on Aging research career development grant — integrates neuroimaging with information on brain structure that is unique to older adults and those with mild cognitive impairment. Refining the treatment with AI Using neuroimaging, Queen captures real-time changes during tDCS to the parts of the brain associated with working memory, which is the type of memory that allows humans to temporarily keep track of small amounts of information. Think of this as a mental “scratchpad.” Her study includes older adults with mild cognitive impairment as well as individuals who are cognitively healthy. In tDCS, a safe, weak electrical current passes through electrodes placed on a person’s head. The stimulation is being used in research and clinical settings for a variety of conditions and has shown partial success as a nonpharmaceutical intervention that can improve cognitive and mental health in older adults. But tDCS results can vary across individuals, and the suspected cause is both simple and complex: Everyone’s head is different. “One potential reason tDCS may not work for some individuals is the variation in head tissue anatomy, including differences in brain structure,” Queen said. “Since electrical stimulation must travel through multiple layers of tissue to reach the brain, and every individual’s anatomy is unique, these differences likely affect outcomes.” To address this further, Queen is using AI. “Artificial intelligence will play a major role in the modeling pipeline, including constructing individualized head models, conducting predictive analyses to identify which participants will respond to the stimulation, and disentangling multiple individual factors that may contribute to these outcomes,” Queen said. An estimated 10 to 20% of adults over age 65 have memory or thinking problems characterized as mild cognitive impairment. Their symptoms are not as severe as Alzheimer’s disease and other dementias, but they may be at increased risk for developing dementia. “The fact that not all individuals with mild cognitive impairment progress to Alzheimer’s disease emphasizes the need to identify effective interventions that can slow the progression to dementia,” Queen said. “This project presents an opportunity to differentiate between multiple types of mild cognitive impairment and investigate how tDCS affects the brain across these subtypes.” An AI visionary Queen, who joined the UF faculty under the university’s AI hiring initiative, is an instructor in the College of Public Health and Health Professions’ undergraduate certificate program in AI and public health and health care, and the co-chair of the college’s AI Workgroup. She is also the assistant director for computing and informatics at the UF Center for Cognitive Aging and Memory Clinical Translational Research and a member of UF’s McKnight Brain Institute. Queen received her Ph.D. training in engineering with a focus on building and running computational models to investigate medical devices. She experienced a career “a-ha” moment as a postdoc, when she was a co-investigator on a large clinical trial that paired brain stimulation with cognitive training to enhance cognition in older adults. “This experience was transformative for me. I had the chance to interact directly with participants, which was both fulfilling and eye-opening. These interactions allowed me to see the immediate, real-world implications of my work and sparked a passion for pursuing aging research,” Queen said. “I realized that, through this type of research, I could have a more direct impact on addressing age-related challenges, which prompted a shift in my career plans.” The new grant will help Queen further improve her understanding of the neurobiology and progression of Alzheimer’s disease and other dementias. “These experiences will ultimately prepare me to become a well-rounded aging investigator, capable of making meaningful contributions to the field of aging research,” Queen said. She also credits her mentors and collaborators — Ronald Cohen, Ph.D.; Adam Woods, Ph.D.; Steven DeKosky, M.D.; Ruogu Fang, Ph.D.; Joseph Gullett, Ph.D.; and Glenn Smith, Ph.D. — with supporting her as an early career scientist. “It really takes a village to get here!” Queen said.

New AI model predicts harmful videos before they go viral

Certain short-form videos on major social media platforms can trigger suicidal thoughts among vulnerable viewers, according to new research led by the University of Delaware's Jiaheng Xie. His team developed an AI model that can predict and flag these videos. In the study, published Nov. 17 in Information Systems Research, UD professor Jiaheng Xie and his co-authors showed how AI can assist with safety by predicting high-risk videos before they go viral by looking through both the content and what people write in the comments. • Distinguish what creators choose to post from what viewers think or feel after watching. • Separate known medical risk factors from emerging social media trends, such as viral heartbreak clips or challenges that may influence teens. • This system is especially novel because it predicts the high-risk videos before they reach large audiences. Xie is available for a Zoom interview to share how the model was developed and how it could potentially change the way platforms such as TikTok moderate.

U.S. News: AI Can’t Replace Therapists – But It Can Help Them

For a young adult who is lonely or just needs someone to talk to, an artificial intelligence chatbot can feel like a nonjudgmental best friend, offering encouragement before an interview or consolation after a breakup. AI’s advice seems sincere, thoughtful and even empathic – in short, very human. But when a vulnerable person alludes to thoughts of suicide, AI is not the answer. Not by itself, at least. Recent stories have documented the heartbreak of people dying by suicide after seeking help from chatbots rather than fellow humans. In this way, the ethos of the digital world – sometimes characterized as “move fast and break things” – clashes with the health practitioners’ oath to “first, do no harm.” When humans are being harmed, things must change. As a researcher and licensed therapist with a background in computer science, I am interested in the intersection between technology and mental health, and I understand the technological foundations of AI. When I directed a counseling clinic, I sat with people in their most vulnerable moments. These experiences prompt me to consider the rise of therapy chatbots through both a technical and clinical lens. AI, no matter how advanced, lacks the morality, responsibility and duty of care that humans carry. When someone has suicidal thoughts, they need human professionals to help. With years of training before we are licensed, we have specific ethical protocols to follow when a person reveals thoughts of suicide. Read the full article here:

Detecting Fraud Using Emerging Technology: Innovating Beyond Traditional Controls

Fraud and financial crime are evolving at a pace that challenges even the most established detection systems. From cyber-enabled schemes and complex financial misappropriations to subtle internal manipulations, traditional audit and compliance methods are often too slow or too narrow to keep up. In a world where billions of data points can hide a single irregularity, the investigative advantage now lies in speed, intelligence, and technological adaptability. J.S. Held’s Ken Feinstein recently authored an article exploring how artificial intelligence, machine learning, and advanced data analytics tools are transforming how organizations uncover and prevent fraud. In his piece, “Detecting Fraud Using Emerging Technology: Don’t Be Afraid to Innovate,” Feinstein illustrates how the integration of digital investigation techniques — from automation to predictive analytics — is reshaping the fraud-detection landscape, helping companies not just react to wrongdoing but anticipate and deter it. Ken Feinstein specializes in investigative data analytics and has over 25 years of experience. He provides data analytics solutions spanning multiple sectors, including retail and consumer products, life sciences, technology, financial services, and industrial products. His clients include law firms and Fortune 500 legal and compliance teams for whom he delivers large-scale, complex investigations, regulatory response matters, proactive anti‐fraud efforts, and compliance programs. View his profile here Why This Matters As fraudsters exploit digital tools and globalized networks, detection efforts must evolve in kind. Regulators expect faster, data-driven investigations, and boards demand real-time risk visibility. Those who innovate with AI-enabled detection and forensic analytics are better positioned to protect assets, reputation, and shareholder trust. Looking to know more? Connect with Ken Feinstein today by clicking on his icon below.

Black Friday 2025: Earlier, Bigger and More Digital Than Ever

Black Friday is no longer just a day – it’s becoming an entire season. In 2025, shoppers are starting earlier, spending more and relying heavily on technology to find the best deals. With online shopping now the dominant force, an estimated 71% of consumers plan to browse and buy from their screens rather than stand in long lines. Baylor University consumer behavior expert James A. Roberts, Ph.D., said this year’s sales stretch well beyond Thanksgiving weekend. Top 5 Black Friday Trends from Dr. James A. Roberts Retailers have pushed promotions into early November – and in some cases, late October – creating what many now call “Black November.” And for the true procrastinators, “Desperate in December” is the new reality, with next-day delivery extending holiday shopping right up to the last minute. Even as shoppers plan to spend up to 10% more, they’re extremely price sensitive, Roberts said. Inflation, rising living costs and ongoing economic uncertainty – including concerns over tariffs – are prompting consumers to hunt for deeper discounts and compare prices more closely than ever. That caution is also fueling another trend: increased use of buy-now-pay-later plans. While convenient, Roberts urges shoppers to approach them carefully to avoid overspending. Technology also is accelerating the shift. AI tools and retail chatbots are helping customers track deals and make purchases, while influencers and social media ads continue to shape buying habits. Cost-conscious platforms like Temu and Shein are poised for another strong season. Clothing, electronics and home goods remain top categories, Roberts said, with gift cards still the go-to for last-minute buyers. Walmart, Target and Kohl’s are expected to be the most popular in-store destinations, while Amazon – unsurprisingly – continues to dominate Cyber Monday. Overall spending remains robust. Shoppers are expected to spend roughly $20 billion across online and in-store purchases, split almost evenly between the two. The best bargains will be toys discounted about 25 percent, phones and computers discounted around 30 percent and TVs discounted an average of 23 percent. The typical shopper will spend about $650 this holiday weekend. How to navigate the shopping frenzy Roberts offers some simple advice for navigating the frenzy: Set a budget, stick to it, choose thoughtful gifts and keep the season in perspective. After all, the most meaningful gifts are the ones that show how well you know the people you love. ABOUT JAMES A. ROBERTS, PH.D. James A. Roberts, Ph.D., is The Ben H. Williams Professor of Marketing at Baylor University’s Hankamer School of Business. A noted consumer behavior expert, he is among the Top 2% Most-Cited Researchers in a database compiled by Stanford University. In addition to journal citations, Roberts has often been called upon by national media outlets for his consumer expertise and latest research. He has appeared on the CBS Early Show, ABC World News Tonight, ABC Good Morning America, NBC’s TODAY Show and NPR’s Morning Edition, as well as in articles in The New York Times, USA TODAY, The Wall Street Journal, TIME and many others. Roberts’ research has focused on how individual consumer attitudes and behavior impact personal and collective well-being, including investigating the factors that drive ecologically and socially conscious consumer behavior, the impact of materialism and compulsive buying on well-being and the effect of smartphone and social media use on personal well-being. He is the author of “Shiny Objects: Why We Spend Money We Don’t Have in Search of Happiness We Can’t Buy” and “Too Much of a Good Thing: Are You Addicted to Your Smartphone?”

12 Days of Holiday Experts - Goizueta Business School Sources for the Season

It's that time of the year again!  And as Americans get ready for another journey into the festive season, there are always opportunities for stories to be told about shopping, travelling, buying, returning, and making sure you don't get ripped off or scammed during all the hustle and bustle, Here's a stocking full of topics and expert sources who are here to help with your coverage this holiday! Gifts, Giving, and all the Costs That Come With It Economics of the Holiday Season A successful Q4 makes the difference between annual profitability and loss for many businesses. Professor Tom Smith is available to discuss seasonal hiring, retail expectations, the impact of tariffs, and the importance of the holiday season to retailers. View his profile here Black Friday & Using AI to find the Perfect Gift  Professor Doug Bowman expects to see more Shoppers (esp. Gen Z) experimenting with GenAI for personalization, inspiration, product discovery, summarizing reviews, generating lists, and finding deals. Results may be mixed, depending on the data the AI was trained on. He also expects more purposeful and complex shopping, with fewer impulse purchases and more searching (both online and in brick-and-mortar stores), due to lower inventory levels/assortments at some retailers. View his profile here Food and Travel Pricing Professor Saloni Firasta Vastani can discuss the cost of this year’s holiday dinners. What’s gone up and what’s gone down? She can also discuss the cost of travel this holiday season and offer tips on how consumers can secure a better deal. View her profile here Avoiding Holiday Overspend Professor Usha Rackliffe can discuss how holiday shopping can expose consumers to credit products, such as store credit cards, that offer various incentives and often result in overspending. She can discuss the pros and cons of the buy now, pay later offers and how interest rates will play into this year’s holiday shopping and spending. View her profile here Gift Giving Professor Ira Bedzow says there are three ways gift-giving can promote both personal growth and professional development. View his profile here Gifts Express Relationship, Not Reciprocity. Contracts and transactions are about keeping score—I give, you give back. Gifts are about connection. A thoughtful gift doesn’t close a deal; it opens a door. Personally, it reframes love and friendship as ongoing commitments rather than conditional exchanges. Professionally, treating interactions as opportunities to build trust creates loyalty, sparks creativity, and builds a culture no contract can guarantee. The Art of Perspective-Taking in Choosing Gifts: The best gifts come from stepping outside yourself and asking: What would this person really want? This act of empathy is a skill worth practicing. Personally, it pulls us beyond ego; professionally, it sharpens our ability to anticipate needs, see through others’ eyes, and make decisions aligned with their values—a foundation for real leadership. Gifts as Lessons in Friendship and Human Connection: True friendship isn’t built on ideology, convenience, or self-interest. It’s rooted in caring for someone simply for who they are. Gift-giving is a rehearsal for that kind of connection. Personally, it reminds us that what we truly want typically comes through relationships, not rivalry. Professionally, it shows that lasting success rests less on shared advantage and more on genuine respect and human connection. Shopping for Sustainability Consumers are increasingly seeking eco-friendly products, and brands that emphasize sustainability are likely to see higher sales. Nearly 69% of shoppers prefer to buy from companies committed to ethical practices, such as those that use carbon-neutral shipping and offer recyclable packaging. Professor Dionne Nickerson focuses on how companies can integrate sustainability in their products and why it matters to consumers. View her profile here Pressure Purchasing As the days inch closer to the holidays, shoppers feel the pressure to find a gift. Professor Max Gaerth can discuss how stress, scarcity, and time pressure shape purchasing decisions. View his profile here Online Shopping and Influencing AI Changing How We Shop Professor David Schweidel examines how new AI tools are transforming the shopping experience and the ways brands utilize AI to engage with prospective customers and personalize product recommendations. He can also discuss OpenAI’s Atlas and how it puts ChatGPT directly into your browser. View his profile here Influencers Influencing Our Purchases How are creators impacting the economy, and are influencers impacting our purchasing decisions? Professor Marina Cooley looks at the creator economy and how TikTok and Instagram are impacting our holiday wish lists, and what it takes for a product to go from unknown to trending. She can also discuss TikTok Shop (something Instagram has struggled to execute).   View her profile here How to Attract Customers to the Store this Holiday: Shopping looks different, and it is up to retailers to stand out not just in the brick-and-mortar world but also online. The success of a business can balance on the customer experience. Professor Reshma Shah can discuss the policies that brick-and-mortar retailers need to have in place to successfully merge online shopping and the in-person shopping experience. View her profile here Holiday Scams Tis The Season for Scams Bad actors are using AI to scam consumers. From phone calls to emails, Professor Tucker Balch can tell us how to spot a scam and what we can do to protect ourselves. View his profile here Holiday Returns Product Returns Professor Doug Bowman can discuss the retail strategy and the impact of holiday gift returns, comparing online returns to those in brick-and-mortar stores. View his profile here He can also weigh in on: Why are returns so expensive for retailers? Online returns vs. brick and mortar returns Predicting online returns - helping retailers understand how likely it is that a product will be returned. As well: Are retailers still offering free returns? What’s this costing them? Is this likely to continue? What will they do differently? If you’re a journalist covering the holiday season, our experts can help shape your story. Use the “Connect” button on any expert’s profile to send an inquiry — all inquiries are monitored by our media team to ensure a quick, timely response.