AD NETWORKS

New Study from the UH Law Center Finds Racial and Ethnic Disparities in Lending Industry Advertising

University of Houston Law Center | December 27, 2021

A new study authored by University of Houston Law Center Professor Jim Hawkins and student Tiffany Penner and published in the Emory Law Journal indicates that the payday lending industry often targets Black and Latino communities in advertising their products, while the mainstream banking industry targets white consumers.

In "Advertising Injustices: Marketing Race and Credit in America," Hawkins and Penner present two empirical studies they conducted on lenders in Houston, which verified these disparities in online advertising.

"Everyone knows that advertising affects behavior, so we were interested in how banks and payday lenders advertise," the authors said. "Social scientists have shown that people buy goods and services when they see other people who look like them buying those products. We wanted to know if banks and payday lenders were depicting their customers in a way that represented the general population or only some races."

The study found:

  • While African Americans make up only 16% of auto title lending customers and 23% of payday lending customers, 35% of the photographs on these lenders' websites depict African Americans.
  • 77% of the advertisements at physical locations of auto title and payday lenders in the study targeted racial minority groups.
  • 30% of mainstream bank lender websites featured no African American models and almost 75% featured no Latino models.
  • In contrast, only 3%—a single bank's website—did not feature a white model.

Recent news articles citing Hawkins and Penner's scholarship, examine how loan lenders are maximizing their profits by requiring high interest rates during the COVID-19 pandemic when many people have been vulnerable and in difficult financial positions. Data analysis by Bloomberg shows that Black and Latino communities have become prime targets, and the article reports that many people have had to set aside government pandemic relief funds to help pay off debts.

Hawkins and Penner examined two important negative consequences that emerge from targeting African Americans and Latinos for payday and title loans while pictorially excluding them from mainstream banks. The first consequence is that the advertising works, and African Americans and Latinos are more likely than white customers to use high-cost credit. They also found that advertising forms societal norms and expectations of where people "fit." This in turn, according to the study, creates a "self-sorting" effect and contributes to racial disparity in credit access.

Hawkins and Penner's goal for the study is to achieve a positive impact that will change the way lenders advertise. Specifically, they encourage financial institutions to eliminate discriminatory marketing that omits certain racial groups, as some banks currently only feature white models in advertisements.

"We hope that businesses will voluntarily change their advertising practices to represent people from all races in their advertising," the authors said. "Additionally, we urge Congress to amend the Equal Credit Opportunity Act to explicitly prohibit discriminatory advertising by creditors, and federal regulatory bodies to use that Act as well as the Community Reinvestment Act to make bank's and payday lender's advertising equitable."

Hawkins serves as the Alumnae Professor of Law at the UH Law Center. He earned his J.D. from the University of Texas School of Law, where he was the grand chancellor and served as the chief articles editor of the Texas Law Review. During his career, he has published or placed articles in publications such as Science, the UCLA Law Review and more. His research has been featured in top-tier media outlets such as the New York Times and the Washington Post.

Penner is a rising third-year student at the UH Law Center, where she is a member of the Houston Law Review and served on the executive board for the First-Generation Professionals student organization. During law school, she worked as a summer associate at King & Spalding and a judicial intern for Lee H. Rosenthal, Chief Judge of the U.S. District Court for the Southern District of Texas. Before law school, she worked at NASA as a contracts specialist for the International Space Station Program.

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Go Addressable and Advertiser Perceptions Poll Finds 81% of Advertisers are Satisfied with Addressable TV Advertising

Go Addressable, Advertiser Perceptions | November 18, 2022

Go Addressable, an industry initiative created by television distributors to advance addressable advertising, today released new research findings – in conjunction with Advertiser Perceptions – that tracks the latest growth, adoption and usage of this medium. The report, the final of a three-part series, found that 81% of advertisers said they are overall “satisfied” with the addressable TV advertising options today, up from 72% who expressed this sentiment last year. Additionally, 41% of marketers not currently using addressable TV advertising plan to do so in 2023. The number is a marked increase compared to just 25% surveyed at this time last year. To compile the report, the two entities polled 300 brand and agency respondents, allowing them to capture real-time, industry practitioner feedback. This latest installment yielded several noteworthy key insights, with the overarching takeaway being that 2023 looks to be a promising year – as far as interest, usage and momentum – for addressable TV advertising. Other notable findings from the report include: 77% of marketers who have used the medium said they are satisfied with the measurement solutions available for addressable TV. 37% of those currently using addressable advertising said they plan to increase their ad spend in it in 2023. Another key indicator of addressable advertising’s growth and adoption: Respondents noted that addressable advertising is now simpler to buy and both the number of options and cost to implement have improved. And, 96% of those using the medium today said they are buying from either AVOD, programmers, OEMs or MVPDs. This points to the fact that marketers are working with multiple addressable providers to reach their audiences across different screens and services. “We’re thrilled to see that momentum is continuing to build behind addressable advertising headed into 2023,” said Kevin Arrix, SVP, DISH Media. “We’re thrilled to see that momentum is continuing to build behind addressable advertising headed into 2023,” said Kevin Arrix, SVP, DISH Media. “These latest findings capture the industry’s enthusiasm and adoption of addressable, which has become an increasingly important tool for advertisers to reach their audiences effectively and with tangible ROI.” Concurrently, the Go Addressable group surveyed its participating companies and found that the industry initiative has helped to enable a monthly average of 53 billion linear advertising minutes since the inception of GoAddressable in June 2021. (For context, there are more than 1.2 trillion minutes per month in linear advertising per minute, according to Nielsen.) All participants also indicated that inventory can grow with additional demand. “This is a big moment in the history and future of addressable advertising,” said Samantha Rose, EVP, Strategic Investment Lead, Horizon Media. “The medium is one of the most promising and topical ones in today’s TV ad ecosystem. From ease of use to technical enablement to the number of options available, we’ve come a long way in unlocking the scale and potential behind addressable advertising, while doing so in a privacy focused way, and I look forward to what we, as an industry, can do to further its growth and evolution in 2023.” These latest research findings come as Go Addressable today hosts its second annual industry addressable advertising conference. This year’s event takes place on Wednesday, November 16, in New York, with speakers spanning thought leaders from Publicis Media, GroupM, OpenAP, VideoAmp, Warner Bros. Discovery, LiveRamp and more. More information here. About Go Addressable Go Addressable is an industry inclusive initiative led by TV distribution companies (Altice USA’s a4 Advertising, Charter Communications’ Spectrum Reach®, Comcast, Cox, DIRECTV Advertising, DISH Media and VIZIO) to help maximize the scale, impact and value of TV as a marketing platform. The group’s mission is to further accelerate the advancement of addressable TV advertising in a way that is trusted, scalable and effective for both advertisers and programmers looking to make their inventory addressable. Go Addressable will achieve this through advocacy and education within the industry; problem-solving and action around industry challenges; and by working to facilitate the use of addressable advertising campaigns for buyers and sellers of TV inventory. For more information on how to participate, please visit goaddressable.com. About Advertiser Perceptions Advertiser Perceptions provides research-based strategic market intelligence and expert analysis to the media, advertising and ad tech industries. We survey brand marketers, agency executives, media specialists and IT leaders through our curated and proprietary Ad PROS™ community to provide clients with an unbiased view of the market, competing brands, and customer experiences. These actionable insights give clients the confidence to inform both strategic and operational decision-making to improve their products and services, strengthen their brands, and drive higher ad-related revenue. www.advertiserperceptions.com

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DISPLAY ADVERTISING, RETARGETING, AD NETWORKS

Teads Enhances Brand Suitability Capabilities Through Partnership With Integral Ad Science

Teads | December 13, 2022

Teads, the global media platform, has enhanced its brand suitability and contextual advertising offering through a partnership with Integral Ad Science (IAS), a global leader in digital media quality. The partnership, which will see Teads integrate IAS’s Context Control solution for avoidance, will ensure advertisers avoid content deemed unsuitable for their brand. Available globally, advertisers can use Teads’ Ad Manager to access IAS’s curated list of contextual segments and optimize their programmatic display and video ad campaigns on a pre-bid basis. IAS’s cognitive semantic technology solution uses natural language processing (NLP) to dynamically comprehend the nuances of context. Unlike many other brand suitability options, IAS’s platform can determine the sentiment and emotion of content, which enables a more precise classification. Results so far have generated Teads’ clients up to a 99% suitability pass rate for their ad impressions. And by only blocking the specific content that a brand considers unsuitable, the partnership will enable Teads to maximize the scale of ad campaigns, as well as support quality journalism by avoiding wasted ad opportunities. As 78.8% of European marketers say they are concerned or very concerned about brand safety when buying digital advertising, this collaboration between Teads and IAS will provide brands with the confidence that their ads are being delivered in safe and suitable environments, with fully accurate, scalable coverage across display and video formats. With the option to select 200+ optimized IAS contextual avoidance segments, Teads’ clients will have increased control around content adjacencies and will be able to avoid impressions against certain topics, including content deemed risky or harmful by a brand. In addition to the contextual segments, clients using IAS can also apply custom brand suitability profiles within Teads Ad Manager. This comprehensive integration avoids wasting inventory as filtering is done upfront, pre-bid, and therefore allows selecting another ad for which the content is suitable. In this way, publishers are able to better monetize their inventory. Barbara Deng, EMEA Media and Global Fragrances Communication Director, Shiseido Company, says: “As a luxury brand, the quality of the media environments our ads are seen in is of critical importance to our digital advertising strategy. A key part of that is maintaining close control of the content our advertising is placed adjacent to, without compromising on the potential scale of reach. Being able to integrate IAS’s latest solution within the Teads platform enables us to achieve both of these goals, giving us ultimate peace of mind for brand suitability whilst still achieving outcomes for the business.” Remi Cackel, Chief Product Officer at Teads, comments: “We’ve seen a sharp increase recently of marketers who are more conscious than ever of the sustainability of their media strategies. This partnership with IAS gives advertisers far greater control over their content adjacencies, layering third-party solutions on top of Teads’ quality inventory. By providing clients with the optimum level of brand suitability and the ability to serve campaigns at scale to reach more consumers, we are continuing to build trust and provide safe solutions for brands. This integration with IAS will increase support for quality journalism, providing a better outcome for all.” “We’re pleased to integrate our Context Control solution for avoidance within Teads’ platform, giving advertisers greater customization of their campaigns by analyzing the sentiment and emotion of a page. In a cookieless environment, it also helps drive monetization for publishers by advertisers avoiding content that is only unsuitable on a pre-bid basis, while maximizing scale compared to a keyword-only or brand safety approach.” Yannis Dosios, Chief Commercial Officer at IAS, adds About Teads Teads operates a leading, cloud-based, omnichannel platform that enables programmatic digital advertising across a global ecosystem of quality digital media. As an end-to-end solution, Teads’ modular platform allows partners to leverage buy-side, sell-side, creative, data and AI optimization technologies. For advertisers and their agencies, Teads offers a single access point to buy the inventory of many of the world’s best publishers and content providers. Through exclusive global media partnerships, Teads enables advertisers and agencies to reach billions of unique monthly users in brand safe, responsible advertising environments, while improving the effectiveness and efficiency of digital ad transactions. About Integral Ad Science Integral Ad Science (IAS) is a global leader in digital media quality. IAS makes every impression count, ensuring that ads are viewable by real people, in safe and suitable environments, activating contextual targeting, and driving supply path optimization. Our mission is to be the global benchmark for trust and transparency in digital media quality for the world’s leading brands, publishers, and platforms. We do this through data-driven technologies with actionable real-time signals and insight. Founded in 2009, IAS works with thousands of top advertisers and premium publishers worldwide.

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MOBILE ADVERTISING, AD NETWORKS, ADVERTISER CAMPAIGN MANAGEMENT

Estrella Media Taps FreeWheel to Accelerate Growth of Connected TV Advertising for Its Spanish Language Digital Channels

Estrella Media, Inc. | December 15, 2022

Estrella Media, the transformative Spanish-language media company serving a diverse multiplatform Hispanic audience in the US, today announced that it has partnered with FreeWheel, a global technology platform for the TV advertising industry, to expand its connected TV (CTV) advertising business. The partnership will enable both companies to elevate and support the enormous growth of Hispanic CTV across the valuable Estrella Media platforms thru EstrellaTV, Estrella News, Cine EstrellaTV, Estrella Games and the EstrellaTV App. Estrella drove over 1.33 billion streaming minutes of its original content in November with a third of it on CTV, including the hit reality series Rica Famosa Latina, the venerated Premios de la Radio Regional Mexican music awards, the scripted Latin comedy Norteados con Don Cheto and five daily news shows on Estrella News including 24 Horas. While more and more households across the US consume CTV, there has also been a critical consumption shift within Hispanic households. According to Nielsen research, Hispanic households over-index on CTV consumption compared to the average US household. Per Horowitz Research, seven in 10 Hispanic TV content viewers watch Spanish-language programming, up 11% from last year. Furthermore, the share of Hispanic TV content viewers who rely only on streaming has continued its upward trajectory: 38% of Hispanic only subscribe to streaming services and not to an MVPD. Today, Estrella is one of the largest US producers of Spanish-language video and audio content for multiplatform distribution worldwide, with a library of over 20,000 hours of original video content. By leveraging FreeWheel’s advanced technology, the media company is on track to accelerate its growth into the valuable CTV space across FAST and AVOD. "Our passionate audience is watching more CTV than ever before,” said René Santaella, Chief Digital & Streaming Officer. "We need to make sure they get an excellent free ad-supported experience surrounding the content they love. FreeWheel is helping our ad sales operation achieve better ROI on CTV so everyone wins.” FreeWheel will power Estrella’s comprehensive revenue strategy for direct and programmatic monetization to reach Hispanic audiences, including all CTV and OTT inventory. "As audiences fragment across screens, programmers and advertisers need solutions that can help them find and scale this viewership across CTV. Estrella is seeing significant growth with the important US Hispanic market across its CTV audiences. We're thrilled to be a key partner to help the company drive and monetize this business.” Katy Loria, Chief Revenue Officer at FreeWheel. About Estrella Media, Inc. Estrella Media is a leading Spanish-language media company and one of the largest US producers of Spanish-language video and audio content for multiplatform distribution worldwide, with over 20,000 hours of original video content. Estrella Media's content studio feeds all its digital and linear media platforms, including EstrellaTV, its national broadcast television network that is seen in over 60 million US households on 16 owned or operated stations and 33 affiliated stations, as well as through cable and satellite providers and digital streaming platforms; Estrella News, the first 24/7 Spanish-language multiplatform digital news network in the US; and Estrella Games, the first 24/7 curated Spanish-language game show channel in the US In 2021, Estrella Media's digital content surpassed one billion viewership minutes.

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ADVERTISER PLATFORMS

Permutive & OpenX Partner to Help Marketers Target Global Audiences Accurately and at Scale Without Third-Party Cookies

Permutive, OpenX | November 08, 2022

Permutive, a privacy-safe audience platform for publishers and advertisers, and OpenX Technologies, Inc., a leading global omnichannel advertising exchange, today unveiled a partnership that will enable buyers and sellers of online advertising to build and activate global audiences without using third-party cookies or device IDs while preserving the safety and security of user data. The Permutive/OpenX partnership strengthens the connection between publishers and marketers by efficiently delivering addressable and scalable advertising inventory to buyers while allowing publishers to maintain control of and monetise their first-party data. The collaboration offers marketers in the US and internationally a single, privacy-safe point of access to identify and reach audiences with precision and transparency at scale. Activation is easily enabled through OpenX Deal IDs, and audience targeting relies on privacy-protected, first-party publisher data. The OpenX Exchange processes more than 300 billion ad requests a day across a network of more than 130,000 domains. Permutive’s Audience Platform delivered over 20 billion targeted impressions in 2021 via publisher-owned, consented data and with no third-party cookies entering the bidstream. The announcement comes at an inflection point for the industry as consumers are increasingly opting out of sharing their information with advertisers. With nearly 7o percent of today’s open web unaddressable, this partnership satisfies the growing market demand for actionable first-party data that follows consistent and transparent build criteria, thereby simplifying activation and providing streamlined access to readily available and fully addressable audience segments. “Across the expanse of the open web, where media is highly fragmented, finding and engaging audiences in a privacy-friendly manner is both the challenge and imperative of digital marketing,” said John Gentry, chief executive officer of OpenX. “Across the expanse of the open web, where media is highly fragmented, finding and engaging audiences in a privacy-friendly manner is both the challenge and imperative of digital marketing,” said John Gentry, chief executive officer of OpenX. “Joining forces with Permutive allows us to unlock unique value for buyers and publishers through precision targeting that is safe and secure.” “As consumers have more choices and tools to opt-out of sharing their data for advertising, privacy-safe audience targeting without the need for third-party cookies provides much-needed addressability solutions for publishers and advertisers,” said Joe Root, co-founder and chief executive officer of Permutive. “Our partnership with OpenX is a powerful example of ad tech working together to empower advertisers and publishers to harness the full potential of first-party data while creating a more transparent and responsible web.” The partnership offers more than 200 standardised behavioural cohorts, evaluated in real time – for example, real estate, travel, automotive, pets, and fashion and beauty – and is mapped to the industry-standard IAB Audience Taxonomy that identifies and describes segmented audiences based on similar interests, characteristics and behaviours. Another advantage of the partnership is the accessibility of more sustainable advertising. OpenX is the only supply-side platform to be independently certified as a CarbonNeutral® company, and the use of its ad exchange offers marketers the opportunity to reduce the carbon footprint of their campaigns. About Permutive Permutive is built on the core principle of responsible marketing, which includes privacy, consent and transparency. Its responsible web infrastructure empowers publishers and brands to responsibly activate audiences without any third-party access to personal data. Permutive is listed in YCombinator’s Top 150 companies of all time and is trusted by the world’s largest publishers and advertisers, including News Corp, Hearst, BuzzFeed, Penske Media, Future plc, The Guardian, Vox Media, Insider, Hubert Burda Media and Condé Nast International. Find out more at permutive.com

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Spotlight

Advertisers have quickly capitalized on this opportunity to extend their brand’s message. With no signs of slowing down, video will continue to be a driving force in advertising in 2023. See what Alexander Herguth says about the latest video trends.

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