Fintech companies made it easier for merchants to request tips, leading to fatigue

72% of Americans say tipping is now expected in more places than it was 5 years ago

This change has been driven by multiple factors, including point-of-sale systems from fintech companies such as Square that prompt customers for tips directly. Americans also increased tipping during the pandemic in an effort to support local businesses struggling financially due to a lack of physical foot traffic.

Nearly 9 in 10 Americans were annoyed by tipping as of 2025

That’s a sharp increase from the 75% who thought tipping culture had gone too far in 2024. One potential culprit? The proliferation of tipping screens in places outside sit-down restaurants, such as coffee shops and hair salon. Three in 10 Americans say they give less when presented with tipping screens.

Americans spend an average of nearly $500 per year on tipping at restaurants and bars

The habit runs contrary to economic rationality: Why pay more for a good or service you have already received when it isn’t mandatory? Researchers found that people tip, in part, to avoid the psychological pain of not fitting in.

Delivery apps have realigned the restaurant industry

As delivery apps like Grubhub and DoorDash became popularity, traditional dine-in restaurants have adapted to become more accommodating. In this thinkpiece for the Atlantic, Ellen Cushing argues that it's both changed the kind of food being made and realigned our very notion of a restaurant. (Some readers may experience a paywall.)

Fintech relies on technology, not physical location, to serve financial customers

Most of the industry's prominent players were created since 2010, and are still in a growth phase. These institutions have broadly disrupted traditional banking and have pushed physical banking locations toward obsolescence.

Customers wrote just one check a year in 2024, on average

Major retailers like Target have stopped accepting checks in recent years as real-time payment systems are increasingly being implemented across the US. This shift is considered an improvement in safety—as checks are vulnerable to fraud—but can lead to some exclusion for those without access to digital devices.

Apple Pay is activated on more than 78% of US iPhones

As a result, some banks worry they could be losing ground to the tech company. As consumers continue to use Apple Pay instead of pulling out their physical debit card to pay for everyday items, some banks are fighting back in the digital wallet war.

Temu uses gamification techniques to encourage customers to shop on its app

Games include a spinning roulette wheel that offers coupon rewards, promises free delivery, and more. Some have said it’s tough to pull themselves out of the Temu ecosystem once they’re in it.

People are experiencing AI 'brain fry' at work

Workers, particularly in marketing, are experiencing mental fatigue in the workplace due to expectations—often unspoken—that they should use AI to multitask beyond their comfort levels. Many feel they are underperforming if they don't embrace this technology. This situation differs from typical burnout. This podcast discussion suggests that this "brain fry" tends to intensify when employees are required to use more than three AI tools.

George Pullman popularized tipping in the US with his Pullman sleeping car business

By 1868, Pullman, who operated luxury sleeping cars on the country’s growing network of railways, had started hiring formerly enslaved Black men as porters for extremely meager wages, working long hours in poor conditions. He encouraged wealthy passengers to tip them, helping institutionalize tipping in the US.

Some argue that advance payday apps aren't markedly different from payday loans

Some apps, like EarnIn, allow users to get money from their paycheck in advance. These apps access users' banking information, allowing the company to immediately take back any borrowed money and track users' financial situations to evaluate their risk. Unlike traditional payday lenders, these apps often waive the right to sue users who don't pay back the initial principal and don't charge interest, but rather ask users for a tip. (Some users may experience a paywall.)

A list of major companies that accept cryptocurrency as payment

Have a fistful of Bitcoin? SpendMeNot provides a fascinating infographic that shows which companies currently accept the cryptocurrency. If you want to know where you can engage in Bitcoin transactions, this extensive resource directs you to the right merchants. Food, jewelry, banks, travel services and more are all represented here.

Merchants have to pay credit card transaction fees each time a card is swiped

Credit card networks such as Visa, Mastercard, and American Express must calculate fees for not only the customer, but also the merchant in every transaction.

Technological advancements are historically deflationary

Technological innovation can drive down costs and prices for businesses, which can increase real wages for employees. As a result, people have more money to spend and demand increases.

American Express is targeting Gen Z, who are generally less risk-averse than older generations

Unlike Millennials, who grew up during the Great Recession in 2008, Gen Z has a higher risk appetite and has grown up with more gamified spending platforms, like online gambling and prediction markets. Analysts say Gen Z's risk appetite makes them prime targets for credit card companies like American Express that can sell younger customers on large benefits in exchange for annual fees.

Efforts to build touch-enabled machines highlight the complexity of human touch

The challenges that engineers are facing as they try to reproduce a human's ability to touch and also give robots the ability to interpret that kind of sensory flow are furthering our understanding of the myriad intricacies of human touch—and the challenges in emulating it.

Fast-casual restaurant Chili's is experiencing a resurgence, with its parent company recently reporting a nearly 32% increase in sales, thanks to passionate Gen Z fans on TikTok.

Many startup founders pull out-of-the-box stunts to get their businesses off the ground

Do you know Airbnb’s founders used cereal (yes, as in the breakfast food) to secure their initial round of funding? Or that PayPal’s founders once gave out free money to get people to sign up for the platform? These stories might be crazy, but they’re not uncommon.

Technological breakthroughs are spurring innovations in the industry

What if you could see your tattoos before they’re embedded in your skin? Or take a virtual visit into a local studio to work out your nerves over a first tattoo? The industry is anticipating some big technological changes, from 3D designs to sci-fi upgrades to more precise tattoo guns.

Pay transparency 101

The star of this Harvard Business Review video interviews experts—from an organizational psychologist and business professor to a TikToker who asks people how much money they make—to get to the bottom of core issues about pay transparency. Why is talking about money becoming less taboo? How do pay transparency laws impact workers, employers, and office culture? Watch this video to find out.

US consumers collectively owe more than $1T to credit card companies—almost as much as they owe in auto loans.

Meet China's "VICs," or Very Important Customers

High-volume spenders power China's economy. Despite making up just over 10% of consumers, they account for about 40% of consumer spending. WeChat has focused on these spenders to supercharge the expansion of its digital payments and e-commerce services.

Yohei's sushi innovation turned sushi into a convenient fast food

Nigiri took relatively little time to prepare, making it an ideal dish to serve from a food stand. The success of Yohei’s stand, where customers could select their desired toppings, inspired others to open similar businesses.

Later in life, the clock in Grace Hopper's office ran counterclockwise

Acknowledging that most people have "an enormous tendency to resist change," Hopper's clock served as a reminder for the computer scientist that just because things have been done a certain way does not mean they should forever remain that way: "They love to say, 'We've always done it this way.' I try to fight that." (Some users may experience a paywall.)

In late 2025, the top 10 companies in the S&P 500 made up more than 40% of the index's total value

This raised concerns for investors about the index's risk exposure. As many large tech companies continued posting record highs, analysts argued that the top-heavy index was becoming less representative of the economy as a whole.

Doctors weigh in: Are wearable fitness devices useful or just entertainment?

In an age where technology is intertwined with our daily routines, there is an evolving relationship between healthcare professionals and the data gained from our wearable devices. This piece, published on The Verge, explores how doctors view and...

Read about the tax implications of remote work's increasing popularity

Tax complications can arise when a remote employee opts to work from a state where their employer had not previously done business. Demand for remote jobs has remained high since the pandemic accelerated remote work's popularity.

Telehealth demand for GLP-1s for weight loss is booming as consumers seek easier access.

Up to a million Girl Scouts sell about 200 million cookie boxes every spring, generating $800 million, largely because refusing a child is frowned upon

A vending machine run with Anthropic's AI went out of business after it was convinced to give away items for free and sell a video game console.

Netflix profits when you're not watching, and its movies are designed that way—read a detail-rich critical essay exposing lesser-known Netflix takes

How Amazon operates a 'flywheel' business model, a self-reinforcing cycle that drives continuous growth

When you complete a CAPTCHA on a website to prove you are human, you may be unknowingly training algorithms for self-driving cars, whose systems require training data to help identify crosswalks, bicycles, and other outdoor objects.

The price of gas is a composite made up of several different factors, with the federal gas tax making up less than 20% of what drivers pay at the pump.

Some coin denominations have ridges etched on their sides, partly to prevent counterfeiting, in a practice called 'reeding.'

Some researchers have labeled nomophobia, the fear of being without your phone, as 'the phobia of the 21st century.'

A Yale student wrote a profound essay about the consulting industry's influence on elite college students that was published in a book of her writing after she died in a post-graduation car accident.

After the Boston Tea Party, colonists switched to coffee, which became the main morning drink for revolutionaries.

Venture capital is a form of funding provided to early-stage companies with high growth potential, typically in exchange for an equity (or ownership) stake

Mark Twain spent decades feuding with the US Postal Service, convinced its costs and regulations were bureaucratic overreach.

The Nasdaq's 'Magnificent 7' companies are responsible for roughly 40% of the Nasdaq 100 index's gains, while the remaining 93 companies account for the other 60%.

In 2025, four executives from large tech companies were given positions in the US Army Reserves—including Palantir Chief Technology Officer Shyam Sankar, which reinforced Palantir's ties with the US military and its role as a leading defense partner.

Use this tool to calculate the dollar value of your parental mental load, from meal planning to coordinating after-school care, then see resources that help generate solutions.

Massive 3D printers have been used to build homes by stacking layers of 'concrete toothpaste,' a fire-resistant material that effectively insulates against outside noise.

For centuries, it was common to sleep in two shifts: a few hours at the beginning of the night, and a longer period beginning around midnight

Recent research found that the brain doesn't seem to massively rewire following amputation—upending earlier beliefs about the cause of phantom limb pain.

To reduce wrinkles in clothing, research recommends gentle wash cycles with more water and tumble drying with smaller loads and longer times.

Art theft is the third-largest source of criminal revenues worldwide, thanks in part to the subjective nature of valuing a work of art.

An investigation suggests a Scottish island became awash in forever chemicals via seafoam and seaspray—raising questions about what that means for the safety of other coastal areas.

SpongeBob exemplifies Aristotle's philosophy for living well because he understands that happiness doesn't come from external factors like money, recognition, or power.