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Welcome to yet another insightful edition of Market Mosaic.
In this week’s edition, we explore how open-source AI is quietly becoming the dominant architecture across industries. The global housing affordability crisis has reached ratios that make homeownership structurally impossible for most urban earners. Surveillance pricing is being banned state by state.
Now, let's dive into the insights.
— Insights Team, Rwazi
Technology
Economy
Consumer Universe
Supply Chain
63% of companies now run open-source AI
Data visualisation for Market Mosaic by Rwazi Insights
Advanced industries lead at 75%, TMT at 70%. Financial services at 62% reflects demand for auditable, customisable models.
Healthcare and the public sector trail due to regulatory constraints. The consumer sector sits last at 48%, below every other industry, despite having the most direct commercial incentive to personalise at scale.
60% of adopters report lower implementation costs versus proprietary alternatives. India leads globally at 77%. The US is at 62%.
Key Insights 💡
Open-source AI has passed the experimentation threshold. The consumer sector's 48% adoption rate is an unpriced competitive gap. The sectors that moved first are compounding the benefits. Those moving last will pay a premium to catch up.
The housing crisis is quietly shrinking consumer spending everywhere
A ratio above 5.1 is historically severely unaffordable. Every city in this dataset sits well beyond it. Sydney is at 13.8. Vancouver at 11.8. Three U.S. cities exceed 10. London sits at 8.1.
Every dollar absorbed by housing in a 10x+ market is a dollar not spent anywhere else, in retail, food service, travel, or discretionary categories that depend on income housing has already claimed.
Key Insights 💡
Housing unaffordability at this scale is a consumer spending compression story. For brands with heavy exposure to these urban markets, the addressable spending pool is structurally smaller than population density alone suggests.
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On banning surveillance pricing in the United States
Maryland became the first U.S. state to ban grocers from setting prices based on consumer data, effective October 1. Over 70 bills targeting surveillance pricing have been introduced across U.S. legislatures this year. Active proposals are moving in New York City, New Jersey, and California.
At the federal level, House Energy and Commerce Committee Ranking Member Frank Pallone Jr. sent letters to 25 major retailers, including Amazon, Walmart, Target, Kroger, and Aldi, asking what consumer data they use to set prices.
A patchwork of state laws with different definitions and exceptions is already creating compliance complexity. Legal experts advise adopting the highest standard across all locations rather than managing state by state, meaning the most restrictive market effectively sets national policy for any retailer that cannot afford parallel pricing systems.
Key Insights 💡
With 70+ bills active and Maryland's ban already law, the compliance window is closing. Retailers that complete an internal audit of how consumer data informs pricing before enforcement begins will have far more flexibility than those who wait for a regulator to do it for them.
88% of Prime members are showing up as 91% of U.S. shoppers will delay a purchase to get a deal
88% of Prime members plan to shop on Prime Day this year, up from 81% in 2025. 39% say they are more excited about the earlier June date. Amazon's logic: balance one major sales event per quarter rather than concentrating everything in Q3.
The October 2025 Prime Day generated $9.1 billion in consumer spend; the model works outside of summer.
The broader consumer signal is the more important number. 91% of U.S. shoppers delayed purchases specifically to get a discount, with 61% willing to wait over a month. That is not a deal-seeker minority. That is the dominant purchasing logic for virtually the entire U.S. consumer base.
Key Insights 💡
91% of consumers willing to delay a purchase for a discount means the question for any brand is not whether to participate in major discount moments as it is whether to own the moment or lose the sale to someone who does.
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