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Stay connected and get the latest insights, analysis and news from the leading fin-tech companies, merchants and payments including Microsoft, Mastercard, Samsung, LVMH, Hilton and more. The podcast features insights and interviews from Digital Commerce Alliance (formerly CardLinx) members around the world. Stay connected and subscribe to DCA's Commerce Code Podcast
190 Episodes
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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 they would affect loyalty programs - and since Wildfire Systems is a key player in the loyalty market, Shawn’s answer won’t disappoint you - he’s thought about this a lot, and his answer is thoroughly researched. Let’s pick up the conversation where we left off. Shawn - what does this all mean for loyalty programs?
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 would affect the payments industry. Let’s pick up the conversation where we left off. Shawn - what does this all mean for the payments industry?
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 40 hours – the kind of thing that used to take months. It’s a sort of experimental rocket, not something that replaces Olive’s current technology. But this rocket flies, and it shows what’s possible.
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 questioned or even really thought much about what currency is, how it works or whether it might change. A big-picture view suggests that currency can be lots of things - and it’s not ridiculous to think that the next step in currency evolution could come out of the points/rewards/loyalty landscape.
EPISODE 186AThis 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 huge the implications are of AI shopping agents - and you will probably be out playing with them if you haven’t already. Wednesday’s episode will unpack what AI Shopping Agents mean for Payments, Consumers and Merchants. We don’t want to spoil it for you, but in that conversation, we might conclude that when the dust has settled, payments will still exist, consumers will still exist, and merchants … might or might not still exist, depending.And in the third episode, we’ll take a look at how AI shopping agents will affect Loyalty and Marketing, Google, Amazon, and other fundamental things we take for granted today.Stay tuned for our first of three episodes in this week’s series: Intelligent Shopping Agents Attack! What Are They, and What Are They Doing?
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 in-Store and online. Today we are talking about:The changed consumer environment in 2025The importance of value to consumers nowWhat that looks like in light of a very fast-moving political and economic situation globallyWhat merchants, financial services companies and other digital commerce professionals need to do to adapt and grow during what is already a complicated year
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 for consumers overallThe growth of BNPL and where that fits inWhat it means for the outlook for 2025We briefly contemplate what the world would have been like if consumers had even more access to bell-bottom jeans in 1976 - it’s either a terrifying or wonderful thought, depending on your aesthetics
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 in a huge and unpredictable way right now. Harness has jumped into that fray by powering something called GameChange - you’ll hear on the show what that is and what it does.
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 & ConsumersThis 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 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 resultPoint 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 areHow to show return on investment in the digital loyalty program space
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 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
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 2024The total brand advocacy opportunity - what can grassroots social media do for companies?Brand advocacy horror storiesAnd finally - how companies can get their brand advocacy strategy started.
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