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This week on Commerce Code, we speak with Atif Mirza from VantageScore and Paul Siegfried from TransUnion. VantageScore is a credit score modeling and analytics company focused on innovation and financial inclusion, and TransUnion is a major credit reporting agency and a global information and insights company focused on building trust in global commerce.
Today we are talking about:
Credit health for consumers overallThe growth of BNPL and where that fits inWhat it means for the outlook for 2025We briefly contemplate what the world would have been like if consumers had even more access to bell-bottom jeans in 1976 - it’s either a terrifying or wonderful thought, depending on your aesthetics -
This week on Commerce Code we speak with with Miraj Patel, CEO & Co-Founder of Harness. Harness is a leading financial technology platform that helps nonprofits, financial institutions, and brands grow Revenue, Engagement, Loyalty, and Community. Today we are talking about major changes in the college sports world - and in particular the financing of college sports, something that’s changing in a huge and unpredictable way right now. Harness has jumped into that fray by powering something called GameChange - you’ll hear on the show what that is and what it does.
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This week on Commerce Code we speak with Avinash Chukka of Cardlytics and Brett Watson and Jeff Hudson of The Coupon Bureau.
Listeners to Commerce Code will know who Cardlytics is - they were a pioneer and primary player in the CLO industry from the start. The Coupon Bureau (TCB) is a nonprofit industry association, like DCA-CardLinx, that was created to develop and promulgate a universal standard for digital coupons. As TCB says, their mission is to seamlessly connect manufacturers, retailers, and consumers with secure, cutting-edge coupon solutions.
Notice the word manufacturers in there - a key piece of this is product brands who would otherwise be issuing paper coupons; this creates a secure digital standard for them to use that merchants can recognize. And it will allow Cardlytics to bring new offers to consumers through their platform.
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Episode 180: Reimagining Global Offers: Tokenization’s Impact on Issuers, Merchants & Consumers
This week on Commerce Code we speak with Peter Schultze, Chief Executive Officer of Kigo, and Ben Straley, President and Chief Product Officer at Kigo. Kigo has developed a tokenized offer delivery system that complements existing card-linked offer networks. Today we're talking about how their approach makes it possible to reimagine value delivery for issuers, merchants and consumers.
Through tokenization, the Kigo system is able to deliver more content, more merchant flexibility, instant value to the cardholder, and better attribution. On top of that, offers are shareable and dynamic, so the offer can change even after a consumer has received it.
Taken together, this can drive astonishing new relevance and personalization for the cardholder community—and significant new sources of income for issuers and payment networks.
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This week on Commerce Code we speak with Peter Vogel, Chief Revenue Officer at vLoyalty. vLoyalty provides an automated loyalty enrollment and tracking system based on users' credit cards, with text confirmation and marketing to consumers via SMS text. Most importantly, it automates the parts of loyalty programs that tend to break down in a retail environment.
In today's episode, we're talking about:
How rare it is for front-line staff at merchants to even ask customers if they are members of the merchant's loyalty program - and the huge missed opportunities at the merchant as a resultPoint of sale technology as a solution to this problem - making it operationally feasible to serve customers well while also ensuring they are enrolled in a loyalty program and getting its full benefit once they areHow to show return on investment in the digital loyalty program space -
This week on Commerce Code we speak with Christian Widhalm, Chief Executive Officer of Bloom Credit. Bloom Credit's goal is to help everyone from startups to established banks easily access and furnish accurate credit data. The goal is to support the creation of accessible, unique financial products for everyone. Today, we are talking about a new product Bloom has developed that makes it easy for consumers to permission access to their payments data in a way that can dramatically improve credit file accuracy and access to credit for consumers.
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This week on Commerce Code we speak with Joe Fitzgerald, Co-Founder & Chief Executive Officer of Dfinitiv. Dfinitiv has introduced a new platform they call SmartOffers, focused on significantly improving CLO benefits for FIs, merchants and consumers. Today we are talking about:
The growing gap between app-based consumer experiences - especially what Gen Z is most used to - and what CLOs currently deliverThe big forces reshaping the CLO environment - and how that may or may not fix the "stuck flywheel" of CLOWhat is a CLO anyway? -
This week on Commerce Code we speak with Jeff Richardson, Senior Vice President & Head of Marketing at VantageScore, and host of The Score podcast, a source for credit score related news and analysis. VantageScore's mission is to innovate to deliver more predictive, innovative and inclusive credit score models for the US market. Today we are talking about:
The most recent VantageScore market adoption study, and what it tells us about the state of credit riskLenders' attitudes towards 2024, as we come out of a bit of a rough year in 2023Innovations that are changing the market for consumer credit and credit analysis going forward -
This week on Commerce Code we speak with Ingrid Wilson, Head of Partnerships & Client Growth at Olive. Olive builds digital commerce platforms for fintechs - and those platforms offer consumers fundraising, financial wellness, and membership and loyalty solutions. Today we are talking about:
The buy vs. build decision fintechs are making as they create customer-facing capabilitiesRisks that change that buy vs. build decision - and other factors like speed and costThe talent market - and the size of fintech in the global scheme of things -
This week on Commerce Code, we speak with Alex Adelman, CEO & Co-Founder of Lolli. Lolli is a cashback and bitcoin rewards platform that lets users earn rewards at over 25,000 leading stores and brands. Lolli is based in New York City and founded in 2018 by Alex. In the interview, we talk about:
Lolli’s bank-integrated card-linked offer platformbitcoin-driven loyalty rewardsrich transactional data used to create compelling experiences and offers for consumers, andthere are a few detours into psychology, history, finance and technology to boot -
This week on Commerce Code, we speak with Kelli Hobbs, VP, Head of US Business Development at Valuedynamx, and Paras Joshi, Strategy & Development Officer at Valuedynamx. Valuedynamx is a leading global provider of purchase rewards, and they are a part of Collinson, which provides a leading global travel ecosystem.
We are talking about:
Challenges in the increasingly competitive loyalty spaceWays to maintain or enhance engagement among loyalty program membersHow to increase value to consumers and merchants by making program points redeemable where consumers most want to redeem them -
This week on Commerce Code, we speak with Avery Miller from RBC and Shawn Conahan from Wildfire Systems about the evolution of FI loyalty and rewards programs. Avery is VP of Avion Rewards Shopping and Digital Product at RBC. RBC is one of the world's leading FIs, headquartered in Toronto; they serve 17 million clients in Canada, the U.S. and 27 other countries. Shawn is the Chief Revenue Officer at Wildfire Systems, which provides white-label shopping rewards and cashback platforms to leading companies like Microsoft, Visa, Citi - and of course RBC.
We are talking about:
The challenges FI loyalty programs faceHow consumers experience FI loyalty programs - and how their preferences are driving changeRBC's response to those challenges and changing preferencesWhat's next for the sector as the evolution continuesAdditional Resources:
Harvard Business Review: Are You Undervaluing Your Customers?BCG/Wildfire Whitepaper: Loyalty 2.0 - Making Loyalty PayWildfire Article: Banking on Shopping Rewards: Why Financial Institutions are Prioritizing These Rewards Programs -
This week on Commerce Code we speak with Surge Berg, Alexis Wiktorski and Jeff Zilberman of BN, an Augeo Company. BN uses AI to help brands enable employees and customers to be effective brand advocates. Their tools make it easy for brand advocates to create social media content, and they make it easy for companies to manage the risks that come along with social media brand advocacy. Today we're talking about:
What's new in 2024The total brand advocacy opportunity - what can grassroots social media do for companies?Brand advocacy horror storiesAnd finally - how companies can get their brand advocacy strategy started. -
This week on Commerce Code, Dan is coming back from a conference on Web3 at the University of Chicago - he was there to interview Ryne Miller, the former General Counsel of FTX U.S. They had a fascinating conversation and Dan is reflecting on some of his takeaways from the conference overall:
Scandals and whether they have anything to do with Web3 or innovationRisk and innovation - and different kinds of riskGlobal markets and innovationStay tuned as we creep up and look over the precipice of the volcano at the risks and possibilities of Web3 and cryptocurrencies.
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This week on Commerce Code we speak with Avinash Chukka, Vice President of Product at Cardlytics. Avinash spoke at the DCA Summit at Mastercard this November, so we are following up on that session to unpack some of his key points. We'll be talking about art vs. science in digital marketing, tactics to increase cardholder engagement through targeted offers, the marginal benefits of shaping cardholder spend by having better data on preferences, geo-fenced offers and more.
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This week on Commerce Code we speak with Debby Lee, Senior Director of Partnerships at Cartera, A Rakuten Company. As a division of Rakuten, Cartera is the largest source of Shop & Earn offers in the U.S. and Canada. And as we found out in the interview, Rakuten means “optimism” in Japanese. Indeed it’s an optimistic episode this week as we’re talking about the consumer in 2024 and holiday shopping as we round out 2023. We hit:
Changes in consumer behavior - “the great trade-down” to more affordable brandsPersistent spending among affluent consumersHow this impacts loyalty program planning and execution in the coming year, and finallya look at how Black Friday and Cyber Monday performed and what that may mean for the rest of holiday shopping this year. -
This week on Commerce Code we speak with Jeff Mankoff, Founder & CEO of vPromos. We're talking about current challenges with the CLO ecosystem and business models, as well as process and technology simplification as a potential disruptor in CLO and fintech more broadly.
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This week on Commerce Code we speak with Jeremy Frick, Amy Mullins and Natali Ryzhikova from BN, an Augeo Company. We're talking AI, humans, paid media and organic media.
Brand Networks describes itself as pioneers in AI-driven social technologies that revolutionize global audience engagement—empowering organizations to deliver unrivaled brand experiences through authentic, scalable solutions that define the social landscape through technology innovation.
We’re going to unpack that in the interview -
What does that mean in practice?What’s the role for human expertise?Where does AI fit in?How does AI do things humans couldn’t do themselves?Where is it headed in the next few years? -
This week on Commerce Code we speak with Jehan Luth, CEO & Founder of Banyan. Banyan uses item-level receipt data to power commercial and consumer applications for merchants and financial institutions. We get Jehan's angles on data, data exchange and data science in this interview.
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This week on Commerce Code we speak with Sam Panzer from Talon.One, which is based in Berlin, Germany. Sam is the Director of Industry Strategy at Talon.One, helping brands assess the business potential of refining their promotions and loyalty approach. We talk with Sam about: What the retail and payments spaces look like in Germany - how that's different from other markets like the UK and USA - and what that means for loyaltySome of the challenges of different data rules and places where there are opportunities to build out better rewards and offers by being smarter about how to use data
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