Shoppers face 2 billion out-of-stock messages despite early start to holiday season: Supply chain issues and historic demand are creating problems for consumers, but retail revenues are still expected to reach notable highs this season.

Social media platforms are racing to attract creators with monetization tools to drive a social commerce wave: Instagram’s new creator subscriptions are a way for the platform to offer money to creators outside of brand deals.

Citigroup’s flagship branch overhaul focuses on in-person service and meetings: With this renovation, it joins its big US peers in pivoting branches away from routine services and toward more complex, individualized ones—in line with consumer preferences.

A new Accenture study says incumbent banks that co-opt digital-only players’ business models could bring in over half a trillion dollars in revenue. But legacy technologies are still in the way.

U.S. Bank’s payments-request tool continues its digital drive for businesses: An added feature for its commercial customers is designed to make their collections easier.

For the first time, in 2021, Instagram will pull in more US ad revenues ($26.46 billion) than the core Facebook platform, its ad marketplace, and Messenger combined ($23.84 billion).