This week on Commerce Code we speak with Rikard Bandebo from VantageScore and Christian Widhalm from Bloom Credit. We are talking about:Economic and social opportunity - how many thin file, no file and subprime consumers are there in the USA, why are there so many, and how does it impact them?Credit-building products - we’re seeing more companies offering products that are designed to help consumers build their credit - what’s driving that trend and what’s in it for companies?Credit data...

This week on Commerce Code we speak with Ericka Navarro, VP of Client Success at Rethink Loyalty. We are talking about how to create accessibility and engagement in loyalty rewards programs, breaking down the rewards business model in plain English, figuring out how the different players in the rewards space are behaving differently now, and talking about how people think and behave differently in an environment where their wallets are thinner.

This week on Commerce Code we speak with Alistair Cotton, Founder & CEO of Integrated Finance. Alistair and his team say their mission is to create infrastructure that enables the next generation of fintechs to build the future of financial services. Stay tuned for lowering barriers in fintech, a dive into some of the nitty-gritty of what Integrated Finance does, and a look at the future of fintech from Alistair's perspective.

This week on Commerce Code we have a conversation about growing CLV during challenging times. We speak with Ivan Schwartz and James Trocme of Points4Purpose and Aaron Dauphinee of The Wise Marketer. Points4Purpose is a ‘plug-and-play' loyalty platform in cause-related marketing and a longstanding player in the Australian market. Points4Purpose is launching in North America this summer, with a launch event on June 1st in Manhattan at the Australian Trade Commission. You can register for this...

This week on Commerce Code we speak with Briana Cohen of TransUnion and Susan Tyburski of Pipl. TransUnion is one of the Big Three credit reporting agencies – with more than 200 million files on credit-active consumers in the U.S. Pipl collects, cross-references, and connects online identity information in the effort to fight fraud. We are discussing: Recent changes in identity verification – and what breakthroughs are ahead. Privacy, data ownership and consumer control – where we are now on...

This week on Commerce Code we speak with Janitra Taylor, Head of Product at MoCaFi. MoCaFi is a banking and technology company specifically focused on providing services to un-banked and under-banked people of color in an effort to positively impact the wealth gap. Topics of conversation include:Who's under-banked and un-banked - what's the size of that problemBarriers to getting better financial services and how tech innovation can make a differenceHow MoCaFi is approaching these challenges...

This week on Commerce Code we speak with Mike Garsin, President of Social Activation at Brand Networks, an Augeo company. Dan and Mike explore the ever-evolving landscape of social media marketing. These experts will delve into the power of social activation - including how to leverage AI-optimized advertising investment, authentic employee advocacy and data-driven brand collaboration to supercharge your social media marketing strategy and presence.

This week on Commerce Code we speak with Michelle Beyo, CEO & Founder of FINAVATOR. FINAVATOR is a Payments and Future of Finance Consultancy. We have an in-depth conversation with Michelle on open banking and discuss: Where consumers now stand on the issue of who owns their data - and who should. Where open banking is going - which parties are moving it forward, and which are holding it back. Which diversity and inclusion implications are part of this conversation.

This week on Commerce Code we speak with Rana Gujral, Chief Executive Officer of Behavioral Signals. Behavioral Signals is a company that facilitates A.I. mediated conversations to bridge the communication gap between humans and machines by introducing emotional intelligence. Topics of conversation include: How machines are able to understand human emotions – and change their behavior to match. How A.I. mediated conversations can impact outcomes of call-center conversations. Why companies...

This week on Commerce Code we speak with Ed Wogan, Chief Merchant Officer at Valuedynamx, and Mitch Jacobs, Founder & CEO of Plink. Topics of conversation include: How F.I.s can maximize their data and digital banking infrastructure to provide relevant, daily value to credit union and banking customers. Why it's important to tie together a digital presence for local merchants who matter most to consumers. How this new capability impacts the competitive and collaborative dynamic between...

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...

This week on Commerce Code we speak with Tom Burgess, President of SnippMedia, to discuss the birth of Payments Media Networks. We will talk about digital media, restrictions on first party data, and an innovative approach to creating SKU-level offers to consumers. Check out Snipp's recent blog post: Retail Media Networks for Banks? The definition of a Payments Media Network.

This week on Commerce Code, we speak with Ahmed Siddiqui, Chief Payments Officer at Branch, and learn more about what he terms "The Anatomy of the Swipe." Specifically he'll discuss teaching fintech to newcomers.

January 10, 2023: This week on Commerce Code, we speak with David True, Partner at PayGility Advisors, and learn more about the future of interchange in light of Amazon and Venmo’s recently announced partnership.

January 4, 2023: This week on Commerce Code, we're taking a look at 2023. It's a big year ahead for the world, the economy, and needless to say for digital commerce. Dan Currell, CEO of the Digital Commerce Alliance, runs down a short year in preview - with a few predictions in there.

December 29, 2022: This week on Commerce Code, it’s the year in review. Dan Currell, CEO of the Digital Commerce Alliance, covers four stories that didn't always lead the news, but we think were important in digital commerce.

This week on Commerce Code we speak with Ahmed Siddiqui, Chief Payments Officer at Branch, and learn more about transforming employee and contractor payments.

This week on Commerce Code, Dan Currell, CEO of the Digital Commerce Alliance, is talking economic and technological disruption - some quick reflections after last week's DCA Summit in Washington, DC.

This week on Commerce Code we speak with Shwetabh Gautam, Vice President of Financial Institutions at Harness FI. We’ll be learning more about how his organization is building tools and infrastructure to connect payments with purpose.

This week on Commerce Code we speak with Dave Passavant, Founder & CEO of Triple, which is a rewards and loyalty platform birthed out of Numo. Numo is PNC Bank’s fintech incubator subsidiary. Dave and Dan pick up some themes from his keynote presentation at the upcoming DCA Summit on Dec. 6th - in particular, they’re talking about how incumbent banks are responding to fintech challengers.

This week on Commerce Code, Dan Currell, CEO of the Digital Commerce Alliance, is digging into some data gathered from DCA members in response to questions about emerging technologies and the future of their businesses. Will artificial intelligence change digital commerce forever? How about embedded finance, or the tokenization of identity?

This week on Commerce Code we speak with Silvio Tavares, Chief Executive Officer of VantageScore, and have a wide ranging conversation about the economy, consumer credit, vulnerable consumer segments, financial and technological innovation, and the economy in 2023.

This week on Commerce Code we speak with David Kristal, CEO of Augeo, and Peter Schultze, VP of Crypto Loyalty at Augeo, and assess where card-linked offers stand in 2022, with a few flashbacks to where CLO has been.

This week on Commerce Code we speak with Darby Sieben, Chief Product Officer at Unbounce, a firm that pioneered landing pages and the engineering around customer conversion - but before that, Darby was a co-founder of RBC Ampli, an innovative cash-back app from the Royal Bank of Canada. We talk about disruptive technologies, the path ahead in digital commerce - and Darby’s career path through a series of top Canadian organizations.

This week on Commerce Code we speak with Paul Siegfried, Senior Vice President of Financial Services at TransUnion, as a Part Two to our conversation from two weeks ago. We talk about some of the bigger issues in retail and financial services these days - including the evolving relationship between online and offline commerce, BNPL, and the resilience of consumers in the face of constant challenges.