In this episode, Bill Kennedy, interim CEO at Galileo, joins Karen Webster of PYMNTS to unpack how Southwest Airlines and Galileo are bringing rewards to debit. They explore why consumers, especially younger generations, are turning to debit first, how loyalty economics are shifting, and what it takes for major brands to launch modern, reward-driven debit programs. Based on PYMNTS' reporting, the conversation looks at how everyday spending is becoming a new loyalty engine and what this means for the future of payments and customer engagement.