• 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 Rikard Bandebo from VantageScore and Christian Widhalm from Bloom Credit. We are talking about:

• Economic and social opportunity - how many thin file, no file and subprime consumers are there in the USA, why are there so many, and how does it impact them?
• Credit-building products - we’re seeing more companies offering products that are designed to help consumers build their credit - what’s driving that trend and what’s in it for companies?
• Credit data accuracy - how much of a problem is inaccurate credit data - and how can the system improve?

• Recent changes in identity verification – and what breakthroughs are ahead.
• Privacy, data ownership and consumer control – where we are now on these key digital I.D. issues, and where we’re headed.
• The role consumers play – how aware and bought in are they to the kinds of initiatives these two companies are undertaking now.

• 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