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.

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.

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 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.

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.

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 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 John Readman, Founder of BOSCO, on the future of digital ad measurement. BOSCO has built a whole business around helping brands and merchants measure and optimize their ad spend.

This week on Commerce Code we speak with Bo Wang, Chief Executive Officer of YouWorld, to understand how the regulatory changes in China will impact fin-tech and digital commerce not just in China, but around the world.

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 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 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 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, 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.

This week on Commerce Code we speak with Jenny Lee, Partner at Arent Fox, about the future of companies using consumer data in an unauthorized way and how that will play out.

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.

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 Mitch Jacobs, CEO & Founder of Plink, about the health of banks and the future of digital financial services. Plink is an innovative new fin-tech that partners with leading banks to drive digital engagement.

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.

This week on Commerce Code we speak with Brandon Dols, President at Figg, about how digital marketers are going on a cookie diet and are increasingly consuming a much healthier digital snack - it's called Figg.

This week on Commerce Code we speak with Jennifer Medeiros, Senior Director of Partnerships at Rakuten's In Store Network, about BNPL, CLO and how digital shopping is changing. Rakuten is one of the leading global digital commerce and fin-tech companies.

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 Ed Wogan, Chief Merchant Officer at Collinson Valuedynamx, about what comes next in travel and travel spending. Collinson Valuedynamx is one of the leading cross border travel and digital commerce platforms.

This week on Commerce Code we speak with David Nelsen, Chief Executive Officer of Bumped, about the new innovations in stock investing and how owning stock is a key driver for consumer loyalty. Bumped allows consumers to earn fractional shares in the companies where they shop.

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 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 Mladen Vladic, General Manager of Loyalty Services at FIS, about the future of crypto-currency, what will happen next with alternative currencies and how bitcoin may soon be coming to a bank near you.

This week on Commerce Code we speak with Pietro Grandinetti, Chief Technology Officer at Pentadata, about how fin-tech data companies have sprung up, offering enhanced control and privacy for the most important type of personal data: 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.

This week on Commerce Code we speak with Carl Preller, CEO of points4purpose, about how commerce loyalty is being reinvented around a new theme of commerce with a conscience. Points4purpose is a fin-tech company that allows consumers to earn cash back when making purchases and then donate that cash to charities of the consumers choosing.

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 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 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 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 Omar Rafii, Chief Executive Officer of Krowd, and discuss whether their ad algorithms still work in this new age of commerce and how algorithms are leveling the playing field for big companies and small merchants.

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.

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 Silvio Tavares, President and CEO of the Digital Commerce Alliance, and Becca Donahue, Senior Producer of Commerce Code, discuss how ‘Commerce with a Conscience’ is becoming ingrained in the way companies do business. Specifically, DCA member companies including Mastercard, Microsoft, Bank of America, Hilton and TransUnion are showcased.

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.

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.

In this week's episode of the Commerce Code Podcast, we speak with CEO of myGini, Mehmet Sezgin, about how myGini is leveling the playing field and helping small banks compete with the big banks and fin-techs.

In this week's episode of the Commerce Code Podcast, Silvio Tavares, CEO of the Digital Commerce Alliance, makes his predictions for 2021 and what's next in digital commerce.

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.

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.

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

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.

On this episode of Fin-Tech Friday, Jasma Ghai, Vice President Global Products & Delivery at Discover, shares insight on consumers' spending habits and what to expect in digital commerce in 2021.

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.

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.

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 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.