DCA Commerce Code

This week on Commerce Code, we speak with Rikard Bandebo from VantageScore and Arvind Ronta from Pentadata . A little about the companies - VantageScore is a leading credit scoring company whose model is especially predictive because it uses new data sources that make it possible to provide credit scores to people even if they have limited credit history. Pentadata is a big reason VantageScore is...

This week on Commerce Code, we speak with Tim DeSoto, the CEO & Founder of Goodlife. Goodlife is an Intelligent Personal Shopping Companion that helps people save time, money, and effort while shopping. In today’s conversation, we are talking about: What the brand new Goodlife product does, Why he built it - and just as importantly, The AI tools he used to build it, and the AI capabilities Goo...

This week on Commerce Code, we speak with Mark Lesiw, Co-Founder and Chief Commercial Officer 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 how he recently used AI tools to build a sophisticated customer loyalty app from start to finish in about...

This week on Commerce Code, we speak with Keith Smith, Chief Executive Officer of Payouts Network . Payouts Network’s PayNow Platform executes instant payouts, digital credits, and pay with points - and as the name suggests, PayNow executes immediately. Today, we talk with Keith about Points as Programmable Currency. We have lived in a long period in which people, Americans especially, never quest...

EPISODE 186C: This is the third installment in our three-part series on intelligent shopping agents - an extended conversation with Shawn Conahan, Chief Revenue Officer at Wildfire Systems . In the first episode, Shawn laid out what ISAs are, and in the second episode we talked about how ISAs will affect payments, consumers and merchants. At the end of that episode, Dan had just asked Shawn how th...

EPISODE 186B: This is the second installment in our three-part series on intelligent shopping agents - an extended conversation with Shawn Conahan, Chief Revenue Officer at Wildfire Systems . In Monday’s episode, Shawn laid out what ISAs are, and when we concluded Dan had just asked him how shopping (search, selection, and payment) fully integrated into AI platforms like Perplexity or Chat GPT wou...

EPISODE 186A This week on Commerce Code, we have a first-of-its kind, three-episode Commerce Code Deep Dive on AI Shopping Agents. For all three episodes, we speak with Shawn Conahan, Chief Revenue Officer at Wildfire Systems . Wildfire provides white-label shopping rewards and cashback platforms to companies like Microsoft, Visa, Citi, and RBC. By the end of this first episode, you will see how h...

This week on Commerce Code, we speak with Chrissy Maitland, General Manager of Rakuten Card Linked Offers. Rakuten is a longstanding leader in DCA-CardLinx, and powers the card-linked offer programs for leading financial services companies, mobile app providers and loyalty rewards programs. They provide merchants with a scalable pay-for-performance channel that efficiently drives traffic and sales...

This week on Commerce Code, we speak with John Taylor Garner, Founder & CEO of Odynn . Odynn has built the Awayz platform that creates the ability for customers to book hotels and flights with side-by-side points, miles, and cash pricing.

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...

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...

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...

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 appro...

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 ab...

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...

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 curren...

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 a...

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 c...

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 transactiona...

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...

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...

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 t...

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 dif...

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 cardhol...

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 sho...