This week on Commerce Code we speak with Christian Widhalm, Chief Executive Officer of Bloom Credit. Bloom Credit's goal is to help everyone from startups to established banks easily access and furnish accurate credit data. The goal is to support the creation of accessible, unique financial products for everyone. Today, we are talking about a new product Bloom has developed that makes it easy for consumers to permission access to their payments data in a way that can dramatically improve credit file accuracy and access to credit for consumers.
This week on Commerce Code we speak with Joe Fitzgerald, Co-Founder & Chief Executive Officer of Dfinitiv. Dfinitiv has introduced a new platform they call SmartOffers, focused on significantly improving CLO benefits for FIs, merchants and consumers. Today we are talking about: The growing gap between app-based consumer experiences - especially what Gen Z is most used to - and what CLOs currently deliver The big forces reshaping the CLO environment - and how that may or may not fix the "stuck flywheel" of CLO What is a CLO anyway?
This week on Commerce Code we speak with Jeff Richardson, Senior Vice President & Head of Marketing at VantageScore, and host of The Score podcast, a source for credit score related news and analysis. VantageScore's mission is to innovate to deliver more predictive, innovative and inclusive credit score models for the US market. Today we are talking about: The most recent VantageScore market adoption study, and what it tells us about the state of credit risk Lenders' attitudes towards 2024, as we come out of a bit of a rough year in 2023 Innovations that are changing the market for consumer credit and credit analysis going forward
This week on Commerce Code we speak with Ingrid Wilson, Head of Partnerships & Client Growth at Olive. Olive builds digital commerce platforms for fintechs - and those platforms offer consumers fundraising, financial wellness, and membership and loyalty solutions. Today we are talking about: The buy vs. build decision fintechs are making as they create customer-facing capabilities Risks that change that buy vs. build decision - and other factors like speed and cost The talent market - and the size of fintech in the global scheme of things
This week on Commerce Code, we speak with Alex Adelman, CEO & Co-Founder of Lolli. Lolli is a cashback and bitcoin rewards platform that lets users earn rewards at over 25,000 leading stores and brands. Lolli is based in New York City and founded in 2018 by Alex. In the interview, we talk about: Lolli’s bank-integrated card-linked offer platform bitcoin-driven loyalty rewards rich transactional data used to create compelling experiences and offers for consumers, and there are a few detours into psychology, history, finance and technology to boot