Digital Commerce Alliance: Recent Episodes
Digital Commerce Alliance
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?
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 risk• Lenders' attitudes towards 2024, as we come out of a bit of a rough year in 2023 • Innovations 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 capabilities• Risks that change that buy vs. build decision - and other factors like speed and cost• The 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 platform• bitcoin-driven loyalty rewards• rich transactional data used to create compelling experiences and offers for consumers, and• there 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 space• Ways to maintain or enhance engagement among loyalty program members• How 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 face• How consumers experience FI loyalty programs - and how their preferences are driving change• RBC's response to those challenges and changing preferences• What'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 Pay• Wildfire 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 2024- The total brand advocacy opportunity - what can grassroots social media do for companies?- Brand advocacy horror stories- And 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 innovation• Risk and innovation - and different kinds of risk• Global 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.
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.
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 brands• Persistent spending among affluent consumers• How this impacts loyalty program planning and execution in the coming year, and finally• a 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.
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, Dan Currell, Chief Executive Officer of the Digital Commerce Alliance, is headed down the Student Loan Rabbit Hole in a big way - while keeping one eye on the retail, marketing, banking and fintech space that Commerce Code is always focused on.
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 accuracy - how much of a problem is inaccurate credit data - and how can the system improve?
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 event using this link: https://events.humanitix.com/pointspurpose-us-launch-purpose-to-profit?_ga=2.195992620.143407546.1679891618-1117783409.1678738833
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 these key digital I.D. issues, and where we’re headed. • The role consumers play – how aware and bought in are they to the kinds of initiatives these two companies are undertaking now.
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 problem• Barriers to getting better financial services and how tech innovation can make a difference• How MoCaFi is approaching these challenges and some of the successes they've seen • The future and their dreams for what this all looks like when they've accomplished MoCaFi's goals and start to set new ones
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 are choosing to incorporate these sorts of interactions into their software solutions.
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 financial institutions and fintech companies.
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.
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. https://www.snipp.com/blog/retail-media-network-for-banks-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.
This week on Commerce Code we speak with Ed Wogan, SVP, Chief Merchant Officer at Valuedynamx and Manuel Catedral, VP Business Development - Americas at Valuedynamx, and pre-game the 2022 holiday shopping season. We talk trade shows, holiday promotions, BNPL and more.
This week on Commerce Code we speak with Paul Siegfried, Senior Vice President of Financial Services at TransUnion, and talk about consumer behavior in the current environment, and the outlook for the holiday season.
This week on Commerce Code we speak with Chris Curtin, Social Media and Rewards Executive at Bank of America. Chris came to Bank of America just this year, and he brought a wealth of experience working with some of the top global brands in finance and technology.
This week on Commerce Code we speak with Mladen Vladic, General Manager of Loyalty Services at FIS, as a Part Two to last week's episode. Last week, we talked about cryptocurrencies and rewards points, and this week we are turning to mobile banking. Did mobile banking boom in the pandemic, and what does that mean for the future of digital commerce?
This week on Commerce Code we speak with Mladen Vladic, General Manager of Loyalty Services at FIS. We look back at a wild year for crypto after speaking with Mladen on episode 60, and look forward to what's ahead for cryptocurrencies, customers and banks. We also catch up on another alternative currency with a lot of fans these days: pay-with-points, an area where Mladen has lots of experience.
This week on Commerce Code, Dan Currell, Chief Executive Officer of the Digital Commerce Alliance, takes a closer look at two issues. First, what’s the story on Honey, a discount app bought by PayPal back in 2020 for a whopping $4 billion. Second, how will the student loan relief announced by U.S. President Joe Biden impact the American consumer - and how soon will it make a difference?
This week on Commerce Code we speak with Simon Goldstein, Founder & CEO of Rethink Loyalty, and discuss the evolution of loyalty rewards.
This week on Commerce Code, Dan Currell, Chief Executive Officer of the Digital Commerce Alliance, is vacationing in northern Ontario out of internet range, so on this episode we'll stick to this week's economic and digital commerce news highlights. Enjoy this summer break episode and we'll return with a full Commerce Code episode next Friday.
This week on Commerce Code we speak with Tim Lee of Full Stack Economics, a Washington, D.C. based economic analysis firm, and learn more about the current shortage of workers.
This week on Commerce Code we speak with Ed Wogan, SVP, Chief Merchant Officer at Collinson Valuedynamx, and Ted Mooney, CEO & Founder at Travel.Win, and discuss the ups and downs of current and future travel in 2022.
This week on Commerce Code we speak with Tim Lee, Reporter for Full Stack Economics, and explore consumer behavior in the current, volatile economy. Full Stack Economics is an independent publication based in Washington, D.C.
This week on Commerce Code we speak with Danielle Putnam, President of The New Flat Rate. We discuss how to improve home improvement, and we’ll take a look at homeowners’ spending behavior during the pandemic.
This week on Commerce Code we speak with Keshav Malani, Co-Founder & CEO of NameDrop, and talk all about names. NameDrop is a digital service that helps people pronounce others' names correctly by linking them to a correct audio pronunciation of the name.
This week on Commerce Code, Dan Currell, Chief Executive Officer of the Digital Commerce Alliance, takes a dive into consumers and inflation in 2022.
This week on Commerce Code, Dan Currell from the Digital Commerce Alliance talks all about merchant codes - which broke through into the mainstream media this week.
This week on Commerce Code, Dan Currell from the Digital Commerce Alliance discusses the present and future of super apps. Dan pulls an interview that took place a year ago featuring Erin Warren of Rakuten, and reflects on where we currently stand on mobile wallets and super apps.
This week on Commerce Code we speak with Latonia Hubbs, Senior Vice President - Head of Capital Markets and Strategic Alliances at VantageScore, and learn about the role credit scores play in debt securitization.
This week on Commerce Code we speak with Nader Henin, AVP, Commerce at Interac. Interac is a Canadian interbank network, so on this episode we're talking cash, debit, cards and consumer expectations.
This week on Commerce Code, Dan Currell, Managing Director at AdvanceLaw, takes a deep dive into AI and public policy, with actions from both sides of the Atlantic touching issues of global importance for one of the world's most powerful emerging technologies.
This week on Commerce Code, Dan Currell, Managing Director at AdvanceLaw, reflects on key points from DCA's Financial Data Forum where industry executives gathered to discuss best practices in data personalization, transparency, security and interoperability.
This week on Commerce Code we speak with Dr. Emre Sahingur, SVP of Predictive Analytics, Research and Product Management at VantageScore, and dive deeper into the post-pandemic consumer credit analysis.
This week on Commerce Code we speak with Farzad Rashidi, Co-Founder of Respona, and learn more about driving internet traffic to your website. For just about everyone in the space, at some point it matters how, and how fast, people can find your website through a Google search.