On today's episode, we discuss which ad-supported video-on-demand (AVOD) services Americans are using, why they're using them, and if these types of viewers are different from those using subscription video-on-demand (SVOD). We then talk about what livestream TV could do to help users sign up at a faster clip, how SVOD players can reduce churn, and what to make of Disney+ considering an ad-supported tier. Tune in to the discussion with eMarketer principal analyst at Insider Intelligence Paul Verna.

Podcast listening is gaining popularity in Europe. Almost 70 million people in the pre-Brexit EU-5 (France, Germany, Italy, Spain, and the UK) will listen to podcasts this year, per our estimates. However, the combined number of listeners in those countries is still much lower than the total number in the US (117.8 million).

Whistleblower Frances Haugen shed light on multiple regulatory solutions to rein in Facebook’s algorithms, which she blamed for a rise in misinformation and teen harm.

Customer and security features in Microsoft’s cloud for banks will add to its appeal: The tech giant’s financial services cloud is about to launch officially—and its features may speed up new cloud partnerships with banks.

CivicScience launches Rulo, an ad targeting platform: Dependent on survey data, the solution taps into advertisers’ anxieties about targeting in a world with no third-party cookies.

The new tie-up can help bring more Honey users to PayPal’s app, aiding cross-promotion and its push further into retail.

BofA’s deeper integration of fast-growing digital tools could yield more cross-sales: Tighter links between its Erica virtual assistant and the Life Plan financial management tool could prompt more frequent use and greater engagement with Life Plan.