DCA Commerce Code (Digital Commerce Alliance)

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 Bruno Chauvat, Chief Executive Officer of Travelsify, about the development of algorithms to curate the travel experience and how travel is changing in the post-pandemic world. Travelsify is a leading travel algorithms company based in Luxembourg.

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 Fin-Tech Friday, Scott Burke, Director of Innovation at Edenred, discusses how card-linked employee engagement solutions is the secret to employee satisfaction.

This week Fin-Tech Friday features Carolina Paradas, Global Affiliate Marketing Manager for Harvey Nichols, the famous luxury retailer in London, UK. She discusses how the best luxury retailers have adopted the best technology to survive and prosper in a rapidly changing consumer landscape.

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

Lyft understands the importance of timely delivery from the first mile … to the last. In this week’s FinTech Friday, Ashwin Raj, VP Payments at Lyft, sheds light on Lyft’s approach to safely moving people to their destinations—on time and the company's aspirations in digital commerce.

In this week's episode we speak with Carolina Paradas, Global Senior Affiliates and CLO Manager at Harvey Nichols, one of the most well-known luxury retailers in London. Carolina talks about the bounce back in consumer spending and the digital tactics old retailers are using to create new spending in 2021 and beyond.

This week on Commerce Code we speak with David Kristal, Chief Executive Officer of Augeo, and Peter Schultze, Vice President, Crypto Loyalty at Augeo, and explore the intersection of cryptocurrencies and loyalty programs. We also discuss Augeo's product called Heaps, a loyalty program that allows loyalty points to be redeemed for cryptocurrencies.

In this inaugural edition of the Commerce Code Podcast, David Kristal, CEO of Augeo, discusses how card-linking, fin-tech and digital loyalty are converging into one industry and what you can expect in 2021.

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 we speak with Simon Goldstein, Founder & CEO of Rethink Loyalty, and discuss the evolution of loyalty rewards.

In this week's on Fin-Tech Friday, Switzerland's largest bank - UBS - discusses solutions for card loyalty during a time of reduced travel. Marc Tutzauer, Head UBS KeyClub & Partnership Marketing shares insights on driving credit card loyalty.

This week on Commerce Code we speak with Silvio Tavares, President & CEO of VantageScore, a leading credit score model developer. We talk about the future of rich data and financial access, and how to bring everyone into a vital economy by removing barriers that have kept certain groups out in the past.

This week on Commerce Code we speak with Rana Gujral, Chief Executive Officer of Behavioral Signals, about people, their feelings, and the importance of managing people as people. Behavioral Signals is an AI firm using voice recognition to analyze the mood and emotional state of people as they enter a call center or support system.

At this time last year, the CardLinx Association CEO made 5 key predictions about what would happen in the industry in 2020. With perfect hindsight, find out how we fared. CardLinx President and CEO, Silvio Tavares and Fin-Tech Friday Producer, Rebecca Donahue recap major 2020 industry developments from a fin-tech, payments, data and card-linking point-of-view.

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 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.

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.

• Consumer preferences and discovery - are people still prioritizing experiences over things, and how does that change merchants' approach to the market?
• How do we create seamless experiences for consumers? and
• We'll get Jill's perspective on the future of offers and loyalty as someone who's worked with those programs in retail, banking and now at Mastercard.

This week on Fin-Tech Friday, Mehmet Sezgin, Founder and CEO of myGini, and former Board member of Mastercard Europe and BBVA payments executive, discusses the increasing central role of technology providers in the newly emerging global power balance between merchants and banks.

This week on Fin-Tech Friday, Mark Roper, Market Development Director, Collinson Valuedynamx, discusses what is happening with global travel right now and what to expect in digital commerce for the balance of 2020.

This week on Commerce Code we speak with Ramy Nassar, Chief Experience Officer at Olive. Olive lets consumers round up transactions and put the round-up value into their retirement savings, towards charitable giving, or to save for major purchases. We discuss how this helps people reach their financial goals and how it's all made possible through better technology.

This week on Commerce Code we speak with Matt Sloan, Managing Director, International Markets, EMEA at Discover, about Discover's network of networks and how they are using this unique asset to drive innovation and growth in fin-tech and beyond.

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, Dan Currell, Managing Director at AdvanceLaw, and Becca Donahue, Senior Director of Meeting Services at the Digital Commerce Alliance, highlight a few more companies, as a part two to episode 69, that are promoting causes that positively impact our society. We discuss how these companies have demonstrated their commitment to the well-being of the world and how they're focusing on "Trade for Good."

This week on Commerce Code we speak with Susan Langer, Chief Executive Officer of Spave, and Ben Maxim, Chief Technology Officer of Spave, about women fin-tech entrepreneurs and the power of buying local and banking local.

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 Paul Garibian, Chief Executive Officer of Nota by M&T Bank, who has done as much as anyone to support the small and solo firm lawyers. One section of the economy that has always had some solo players is law, so Nota is there to provide specialized services to these small and solo firms.

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 Dr. Emre Sahingur, SVP of Predictive Analytics, Research and Product Management at VantageScore, and discuss the topic of who is included in the credit economy, who isn't, and why.

This week on Commerce Code we speak with Victoria Dravneek, SVP of Personalization and Loyalty Strategy at Bank of America, about how Bank of America is using its industry leading card linked offer program called Bank Amerideals, along with other technologies, to help small businesses survive and thrive through the pandemic.

From Paris, Gilles Nectoux, CEO of Plebicom, shares his insights on how European merchants are using technology like card-linking and ecommerce to keep momentum through Covid-19.

This week on Commerce Code we learn more about connecting with the new traveler by speaking with Tom Rummel, Vice President, Travel Rewards at AIR MILES. AIR MILES is Canada's largest coalition loyalty program that recently launched its all-new flights platform integrating rewards, loyalty and booking.

This week on Fin-Tech Friday, Paul Siegfried, Senior Vice President of TransUnion, shares his insights on the current state of credit for the US consumer and what to expect next in the credit cycle. Paul also discusses the new credit technologies that are hot and those that are not in-fin-tech.

This week on Commerce Code we speak with Simon Goldstein, Founder & CEO of Rethink Loyalty, and Doug Glazer, Sr. Director, Customer Loyalty & Gift Cards at Fanatics. We discuss the broad base of consumers and how loyalty programs can engage those consumers with their favorite brands, even when purchases with those brands are not necessarily frequent or large.

This week on Commerce Code we speak with Greg Consiglio, Co-Founder & Chief Strategy Officer at Moonwalk, about NFTs, Web3, and the internet's blockchain future. Moonwalk helps brand-intensive organizations build communities using NFTs.

This week on Commerce Code we speak with Farrell Hudzik, Executive Vice President, Financial Institutions at Cardlytics, about why fin-techs and banks are increasingly seen as two sides of the same coin.

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.

On this week's episode of Fin-Tech Friday, Erin Warren, two-time US Olympian in Luge, President of the US Luge Association and General Manager of Rakuten Card Linked Offer Network, shares her insights on what is happening in the US and around the world in mobile commerce.

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 result
• Point 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 are
• How to show return on investment in the digital loyalty program space

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.

In this week's episode we speak with Keith Smith, Chief Executive Officer of Payouts Network, based in Boseman, Montana. Keith discusses how alternative currencies, including paying with points, are the next big wave in digital commerce.

On this week's episode of Fin-Tech Friday, Mitch Jacobs Chief Executive Officer and Founder of Fanbank, shares his insights on how small and local merchants can use card-linked technology to survive the pandemic.

This week on Commerce Code we speak with Har Rai Khalsa, Chief Executive Officer of MK Decision, an innovative company from Southern California that specializes in helping banks and financial institutions make the right buy decision by providing the most novel technologies for running bank operations that are rapidly becoming 100% digital.

This week on Commerce Code we speak with Terry McMullen, CEO of OpenSparkz, a leading card-linked technology company based in Sydney that works with leading banks, merchants, shopping malls, and loyalty programs to increase consumer spending. Terry discusses whether revenge spending is real and the tools that merchants are using to lure shoppers back to their stores.

This week on Commerce Code we speak with Russ Mann, Chief Executive Officer of WineBid, about the past, present and future of online wine sales. We discuss what drives digital commerce and what Russ is thinking about consumer behavior going into the holiday season.

Augeo CEO and Executive Chairman of Figg, David Kristal, discusses the importance of digital engagement during Covid 19. This podcast explores the new technologies like card-linking that enable banks, retailers and mobile apps to become indispensable digital engagement platforms for consumers.

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 we speak with Izabella Gabowicz, Chief Operating Officer at Sensibill. Sensibill uses precise customer spend data and analytics to help financial institutions better understand their customers. We discuss the goal of helping consumers achieve financial wellness through more accurate and insightful personalized service from their financial institutions.

This week on Fin-Tech Friday, Terry McMullen, Chief Executive Officer and Co-Founder of OpenSparkz, discusses how shopping malls are leveraging card-linked technology to overcome the pandemic.

This week on Commerce Code we speak with Jonathan Silver, Chief Executive Officer of Affinity Solutions, about how companies are harvesting data and building algorithms to personalize commerce. Affinity Solutions is a data and analytics company focused on personalization.

This week on Commerce Code we speak with Spartak Buniatyan, CEO & Founder of PayEngine. PayEngine is one of the many innovators in digital commerce, and they provide white label payment capabilities into the software used by retailers.

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.

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 Greg Consiglio, Co-Founder & Chief Strategy Officer at Moonwalk, and Shiv Madan, Chief Executive Officer of Moonwalk, about NFTs and how people and brands will increasingly use them to engage in social commerce. Moonwalk is a leading NFT platform for social commerce.

This week on Commerce Code we speak with Pete Howroyd, CEO & Founder of Swapi. We discuss how loyalty programs, like Swapi, lift the actual burden of loyalty program or fin-tech management, and instead package it as a solution. Swapi allows consumers to earn and redeem rewards inside the Swapi ecosystem.

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 we speak with Jacques Baritot, Attorney at Pentadata, about digital privacy and what is coming next in financial data. Pentadata is a Silicon Valley-based start-up that can access all of a consumer's financial data, but then lets that same consumer control which apps they share their data with.

• cash-back vs. points vs. other rewards
• debit cards, credit cards, and leather wallets
• how AI might help tailor offers, points and redemption paths for consumers - and
• fantasy football and what the word "football" means

This week on Commerce Code we speak with Ed Wogan, Chief Merchant Officer at Collinson Valuedynamx, and Ted Mooney, Chief Executive Officer & Founder at Travel.win, about how companies are aiming to catch the building travel wave by providing travel-related cash back offers to financial institution customers.

From Hong Kong, Andrew Lo, Chairman and CEO of EFT Solutions, shares insight on what is going on with payments and commerce and the future of fin-tech in China.

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 Fin-Tech Friday, David Josephs, Chief Executive Officer of daVinci Payments, a global payments program manager, discusses how payments are changing and how these changes will play out in the 2020 holiday spending season.

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.

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, 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 Fin-Tech Friday, Jenny Lee, Partner at Arent Fox, discusses how the major developments transpiring in financial data and privacy regulations will impact business.

In this week's Fin-Tech Friday, Canada's most recognized loyalty program - AIR MILES - discusses how innovation is driving new choices for merchants and consumers. Laura Wiese, VP Strategic Partnerships shares insights on how airmiles are still very relevant and innovating right through the pandemic.

• 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 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 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 Erin Warren, General Manager of the Rakuten Card Linked Offer Network, about super apps and the central role that offers play in this rapidly expanding sector of digital commerce.

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.

This week on Commerce Code we learn more about creativity and control with consumer data by speaking with Ester Shin, Head of Operations at Pentadata. We discuss the concept of keeping data in consumers’ control, and how companies can use that data to serve people well.

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 Silvio Tavares, President and CEO of the Digital Commerce Alliance, and Becca Donahue, Senior Producer of Commerce Code, explore how in the first 6 months of 2021, companies are increasingly focused on how they can harness the power of commerce to make the world a better place. We showcase how companies involved in digital commerce are promoting “Trade for Good”.

This week on Commerce Code we speak with Arash Asady, Chief Executive Officer of Bits of Stock, about the stock market, fin-techs and wealth inequality. Bits of Stock is a fin-tech company that enables average consumers to share in the upside of stock ownership of the retailers they buy from.

This week on Commerce Code we speak with Jared Carr, Chief Customer Officer at QualSights, and learn about new approaches to gaining customer insights. QualSights is a global insights technology platform targeted to brands and agencies.

This week on Commerce Code we speak with Dev Subrata, CEO and Founder of Fidel, about the consumer's role in financial data, the evolving regulatory landscape and why data is the hottest commodity in tech right now. Fidel is a UK based company that is in the business of accessing payment network financial data and providing it to mobile apps and loyalty programs.

This week on Commerce Code we speak with Campbell Shaw, SVP FI & Publisher Partnerships at Cardlytics, and learn more about enriching banks' customer relationships during difficult times.

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 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

From Tokyo, Lu Dong, Chief Executive Officer and Founder of TakeMe Pay, shares insight on what happens next with fin-tech regulation and growth.

This week on Commerce Code we speak with Mark Coffey, General Manager of GasBuddy, about the future of EVs, how consumers mix commerce and cars, and what is coming next in payments. GasBuddy, everyone's favorite gas savings app, is also one of the leading payments and digital commerce apps.

This week on Commerce Code we speak with Cary Lockwood, Chief Executive Officer of Loyalty Now, about what comes next in retail from down under. Loyalty Now is a leading provider of loyalty and card-linked offer services to leading retailers in Australia, the Pacific, and the U.S.

This week on Commerce Code we speak with David Kristal, CEO of Augeo & Executive Chair of Figg, and Brandon Dols, President of Figg. We discuss Super Bowl audience size, predictions for 2022, and performance marketing through card-linked offers. When it comes down to Super Bowl vs. Card-linking, what would you choose?

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, 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?

On this episode of Fin-Tech Friday, Cheesan Chew, Chief Operating Officer at RBC, shares insight on key fin-tech trends in 2021 and how large banks manage regulation, risk and innovation.

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 we speak with David Giannetto, CEO of WorkWave, and learn more about payment simplification for small businesses. One of the many services WorkWave provides to its customers is payment processing, as well as field service software and solutions.

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 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 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?

From the US, the World's Largest Economy, TransUnion Senior Vice President, Paul Siegfried, Shares Insights on How and When The Global Economy Will Recover from Covid 19.

This week on Commerce Code we speak with Mehmet Sezgin, Founder & CEO of myGini, and take stock of how retailers and banks have performed during the pandemic. myGini is an AI-driven loyalty, rewards and customer engagement platform.