The companies below are among the growing list of over 35 companies whose insights are featured in the Commerce Code Podcast.

Previous Commerce Code Episodes

Episode 176: Taking the Temperature of the Market for Consumer Credit

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

Commerce Code
Commerce Code
Episode 176: Taking the Temperature of the Market for Consumer Credit
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Episode 175: Fintech Buy vs. Build Decisions

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

Commerce Code
Commerce Code
Episode 175: Fintech Buy vs. Build Decisions
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Episode 174: Can CLO and Blockchain Transform Cash-Back Rewards?

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

Commerce Code
Commerce Code
Episode 174: Can CLO and Blockchain Transform Cash-Back Rewards?
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Episode 173: Innovations in Pay With Points

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

Commerce Code
Commerce Code
Episode 173: Innovations in Pay With Points
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Episode 172: The Evolution of FI 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 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 continues Additional 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

Commerce Code
Commerce Code
Episode 172: The Evolution of FI Loyalty
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Episode 171: Brand Advocacy: Big Opportunities . . . and Scary Stories

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.

Commerce Code
Commerce Code
Episode 171: Brand Advocacy: Big Opportunities . . . and Scary Stories
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Episode 170: Web3, Risk and the Future of Digital Commerce

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 innovation Stay tuned as we creep up and look over the precipice of the volcano at the risks and possibilities of Web3 and cryptocurrencies.

Commerce Code
Commerce Code
Episode 170: Web3, Risk and the Future of Digital Commerce
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Episode 169: The Art of Customer Engagement

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.

Commerce Code
Commerce Code
Episode 169: The Art of Customer Engagement
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Episode 168: The Resilient Consumer in 2024

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.

Commerce Code
Commerce Code
Episode 168: The Resilient Consumer in 2024
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