There is a shift that is beginning to happen in financial services: using purchase history to provide more personalized offers from merchants. There is no richer data for advertisers than knowing how we actually spend our money. This is one of the reasons behind the huge growth of BNPL but today, there are some credit unions that are on the cutting edge of this trend.

My next guest on the Fintech One-on-One podcast is David Metz, the CEO and Founder or Prizeout. His company started in the gaming space as a way to give people bonuses for cashing out their money. But today, he is focused on financial services, particularly credit unions, where there are a number of use cases that is helping put real money back in people's pockets. This is a completely new application of ad tech for fintech but one that I see growing fast.

In this podcast you will learn:

• The unusual founding story of Prizeout.
• How a potential bank acquisition led to their movement from gaming to fintech.
• How they are blending adtech and fintech.
• Why they decided to focus on credit unions.
• How JPMorgan has validated their data science thesis.
• The challenge of building a credit union or bank loyalty program.
• How their digital gift card program works.
• How sophisticated their technology is behind the scenes.
• Why they created a CUSO and how it has helped Prizeout.
• How they have expanded their cash back program with Cash Back Plus.
• The advantage that credit unions have in motivating their members to take action.
• How they are working with ZayZoon to supercharge earned wage access.
• How their expansion from gaming to financial services has helped with their purpose.
• David's vision for the future of Prizeout.

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