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

This week on Commerce Code we speak with Michelle Beyo, CEO & Founder of FINAVATOR. FINAVATOR is a Payments and Future of Finance Consultancy. We have an in-depth conversation with Michelle on open banking and discuss:

• Where consumers now stand on the issue of who owns their data - and who should.

• Where open banking is going - which parties are moving it forward, and which are holding it back.

• Which diversity and inclusion implications are part of this conversation.

This week on Commerce Code we speak with Rana Gujral, Chief Executive Officer of Behavioral Signals. Behavioral Signals is a company that facilitates A.I. mediated conversations to bridge the communication gap between humans and machines by introducing emotional intelligence. Topics of conversation include:

• How machines are able to understand human emotions – and change their behavior to match.

• How A.I. mediated conversations can impact outcomes of call-center conversations.

• Why companies are choosing to incorporate these sorts of interactions into their software solutions.

This week on Commerce Code we speak with Ed Wogan, Chief Merchant Officer at Valuedynamx, and Mitch Jacobs, Founder & CEO of Plink. Topics of conversation include:

• How F.I.s can maximize their data and digital banking infrastructure to provide relevant, daily value to credit union and banking customers.

• Why it's important to tie together a digital presence for local merchants who matter most to consumers.

• How this new capability impacts the competitive and collaborative dynamic between financial institutions and fintech companies.