Getty Images CMO Gene Foca joins eMarketer executive editor Rimma Kats to discuss why companies shouldn’t chase after the latest “must have” tools and why you shouldn’t overspend on a marketing stack.

Peer-to-peer (P2P) payments are increasing significantly in the US, driven by tremendous growth from Venmo and Zelle. eMarketer’s latest estimates show that P2P mobile transactions will total $309.95 billion this year, growing 27.9% to hit $396.48 billion in 2020.

eMarketer principal analyst Andrew Lipsman joins the show to argue that Facebook’s decision to continue allowing politicians to lie in paid placements is a mistake, and to talk about Twitter’s very different new policy. We also catch up on earnings reports from major US digital ad sellers.

Amazon will earn almost $10 billion in US net of more than 33% over 2018. This represents a downward revision to our previous forecast due to slower-than-expected growth in H1 2019. Earlier this year, we expected Amazon’s ad business to grow by 53% to $11.33 billion.

The digital duopoly of Facebook and Google is holding strong, according to our latest forecast for US digital ad spending. We estimate the two companies will increase their slice of the pie this year, dipping slightly in 2020, and pick up share once again in 2021.

As some traditional brands and retailers flounder, a host of direct-to-consumer (D2C) brands have risen to capture US shoppers’ imagination—and an increasing share of their wallets. Many of these challenger brands haven’t yet leaned into holiday marketing like their established counterparts. But with continued business momentum, the ability to make marketing investments and expanded physical presences, this year should see additional emphasis.