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 deliver
• The big forces reshaping the CLO environment - and how that may or may not fix the "stuck flywheel" of CLO
• What is a CLO anyway?