This week on Commerce Code we speak with Erin Warren, General Manager of Rakuten's Card Linked Offer Network. We unpack the 2022 DCA Industry Study, a wide-reaching survey-based analysis of the state of digital commerce. Topics of conversation include: The past, present and future of card linked offers; The broader environment for marketing channels - who won and lost in 2022, and what does 2023 hold in store? And - the changing environment for consumer financial data ownership. How are advertisers and other players in the digital commerce ecosystem responding to changes underway, and the changes they expect in the near future?