DCA Commerce Code

• 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.

This week on Commerce Code we speak with Erin Warren, General Manager of Rakuten's Card Linked Offer Network. We unpack the 2022 DCA Industry Study, a wide-reaching survey-based analysis of the state of digital commerce. Topics of conversation include:

• The past, present and future of card linked offers;

• The broader environment for marketing channels - who won and lost in 2022, and what does 2023 hold in store?

• And - the changing environment for consumer financial data ownership. How are advertisers and other players in the digital commerce ecosystem responding to changes underway, and the changes they expect in the near future?

This week on Commerce Code we speak with Tom Burgess, President of SnippMedia, to discuss the birth of Payments Media Networks. We will talk about digital media, restrictions on first party data, and an innovative approach to creating SKU-level offers to consumers.

Check out Snipp's recent blog post: Retail Media Networks for Banks? The definition of a Payments Media Network.

This week on Commerce Code, we speak with Ahmed Siddiqui, Chief Payments Officer at Branch, and learn more about what he terms "The Anatomy of the Swipe." Specifically he'll discuss teaching fintech to newcomers.

January 10, 2023: This week on Commerce Code, we speak with David True, Partner at PayGility Advisors, and learn more about the future of interchange in light of Amazon and Venmo’s recently announced partnership.

January 4, 2023: This week on Commerce Code, we're taking a look at 2023. It's a big year ahead for the world, the economy, and needless to say for digital commerce. Dan Currell, CEO of the Digital Commerce Alliance, runs down a short year in preview - with a few predictions in there.