DCA Commerce Code

This week on Commerce Code, we speak with Chrissy Maitland, General Manager of Rakuten Card Linked Offers. Rakuten is a longstanding leader in DCA-CardLinx, and powers the card-linked offer programs for leading financial services companies, mobile app providers and loyalty rewards programs. They provide merchants with a scalable pay-for-performance channel that efficiently drives traffic and sales in-Store and online. Today we are talking about: * The changed consumer environment in 2025 * The importance of value to consumers now * What that looks like in light of a very fast-moving political and economic situation globally * What merchants, financial services companies and other digital commerce professionals need to do to adapt and grow during what is already a complicated year

This week on Commerce Code, we speak with John Taylor Garner, Founder & CEO of Odynn [https://odynn.com/]. Odynn has built the Awayz platform that creates the ability for customers to book hotels and flights with side-by-side points, miles, and cash pricing.

This week on Commerce Code, we speak with Atif Mirza from VantageScore [https://www.vantagescore.com/] and Paul Siegfried from TransUnion [https://www.transunion.com/]. VantageScore is a credit score modeling and analytics company focused on innovation and financial inclusion, and TransUnion is a major credit reporting agency and a global information and insights company focused on building trust in global commerce. Today we are talking about: * Credit health for consumers overall * The growth of BNPL and where that fits in * What it means for the outlook for 2025 * We briefly contemplate what the world would have been like if consumers had even more access to bell-bottom jeans in 1976 - it’s either a terrifying or wonderful thought, depending on your aesthetics

This week on Commerce Code we speak with with Miraj Patel, CEO & Co-Founder of Harness [https://www.goharness.com/financial-institutions]. Harness is a leading financial technology platform that helps nonprofits, financial institutions, and brands grow Revenue, Engagement, Loyalty, and Community. Today we are talking about major changes in the college sports world - and in particular the financing of college sports, something that’s changing in a huge and unpredictable way right now. Harness has jumped into that fray by powering something called GameChange [https://gogamechange.com/] - you’ll hear on the show what that is and what it does.

This week on Commerce Code we speak with Avinash Chukka of Cardlytics and Brett Watson and Jeff Hudson of The Coupon Bureau. Listeners to Commerce Code will know who Cardlytics is - they were a pioneer and primary player in the CLO industry from the start. The Coupon Bureau (TCB) is a nonprofit industry association, like DCA-CardLinx, that was created to develop and promulgate a universal standard for digital coupons. As TCB says, their mission is to seamlessly connect manufacturers, retailers, and consumers with secure, cutting-edge coupon solutions. Notice the word manufacturers in there - a key piece of this is product brands who would otherwise be issuing paper coupons; this creates a secure digital standard for them to use that merchants can recognize. And it will allow Cardlytics to bring new offers to consumers through their platform.