DCA Commerce Code 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 deliverThe big forces reshaping the CLO environment - and how that may or may not fix the "stuck flywheel" of CLOWhat 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 riskLenders' attitudes towards 2024, as we come out of a bit of a rough year in 2023Innovations 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 capabilitiesRisks that change that buy vs. build decision - and other factors like speed and costThe 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 platformbitcoin-driven loyalty rewardsrich transactional data used to create compelling experiences and offers for consumers, andthere 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 spaceWays to maintain or enhance engagement among loyalty program membersHow 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 faceHow consumers experience FI loyalty programs - and how their preferences are driving changeRBC's response to those challenges and changing preferencesWhat'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 PayWildfire Article: Banking on Shopping Rewards: Why Financial Institutions are Prioritizing These Rewards Programs