Why you need to hand your customer the key to your business with Fara Howard

In this episode of The Speed of Culture, recorded live at CES in Las Vegas, Matt Britton sits down with Natasha Madan, Head of Marketing at Intuit Credit Karma. Natasha shares how Credit Karma is evolving from a credit score provider into a personalized financial assistant powered by AI and 80,000+ data points. The conversation explores democratized creativity in the AI era, financial literacy in the age of “FinTok,” Gen Z acquisition strategy, and how trust, personalization, and human intelligence will define the next phase of financial services.

In this episode of The Speed of Culture, recorded live at CES in Las Vegas, Matt Britton sits down with Diana Marshall, EVP and Chief Experience Officer at Sam’s Club. Diana shares how Sam’s Club is building a human-led, tech-powered membership model, why experience is now the primary differentiator in retail, and how closed-loop data and AI-driven personalization are reshaping acquisition, loyalty, and retail media. The conversation explores the shift from frictionless to effortless retail, the power of associate experience, and what the future of buying looks like in an AI-enabled world.

In this episode of The Speed of Culture podcast, Matt Britton sits down with Kelly Mahoney, Chief Marketing Officer at Ulta Beauty, live from CES 2026 in Las Vegas. In this interview, Kelly unpacks how Ulta Beauty’s loyalty program and personalization engine drive nearly all sales. They also discuss why motivation-based marketing segmentation has replaced traditional demographics, and how AI-powered personalization in beauty and wellness retail shapes everything from recommendations to creative execution. The conversation further explores Ulta Beauty’s omnichannel customer journey, its evolving beauty and wellness retail strategy, and how Adobe CDP and Adobe Firefly creative automation support marketing at scale.