Healthy Alternatives to Cookies Life After Third-Party Cookies DCA members gathered in San Francisco last week to talk about the future of payments and offers – with deep dives into the potential and present impact of generative AI, the persistent challenge of transactional friction, the possibilities of loyalty-as-a-service and similar offerings, and a discussion of how to gather and use...

Work and life are blurred in lots of ways. Social media is part of that. I used to work in a bike shop.  You know what I had a lot of?  Bike stuff.  You’re surrounded by it, you know more about it than anyone, you’re excited about it, you get a discount.  You’re going to spend your meager income on...

Subscription Loyalty Programs Subscription models are very profitable – until they’re not. Will consumers keep signing up? Several DCA members have mentioned subscription loyalty programs to me in conversation lately – a strategic option, a competitive threat, a thing that has to be considered.  The promise of loyal customers and steady, recurring revenue has all sorts of companies asking themselves:...

Subscription models are very profitable – until they’re not. Will consumers keep signing up? Several DCA members have mentioned subscription loyalty programs to me in conversation lately – a strategic option, a competitive threat, a thing that has to be considered.  The promise of loyal customers and steady, recurring revenue has all sorts of companies asking themselves: should we become...

DCA Strategy Sprint: Open Banking Twelve DCA members white-boarded the business opportunities created by open banking. On Wednesday, a dozen DCA member executives worked together to brainstorm and document the business opportunities that will be created by the full implementation of open finance principles.  Like our November Strategy Sprint on tech disruption, the session was an opportunity to look into...

Twelve DCA members white-boarded the business opportunities created by open banking. On Wednesday, a dozen DCA member executives worked together to brainstorm and document the business opportunities that will be created by the full implementation of open finance principles.  Like our November Strategy Sprint on tech disruption, the session was an opportunity to look into the near-future and assess likely...

Imagining a future where we know each other again A senior executive just said to me, “We’re getting close to where everyone thought we’d be ten years ago.”  He was talking about data integration – being able to “see” customers in their data.  Open finance, APIs, fintechs, neobanks, consumer demand dovetailing with regulatory action – it’s all creating a new...

China’s tourists spent $277 billion abroad in 2018. DCA’s February Expert Session explores how they will spend their money in 2023 and beyond.  Before the pandemic, China sent more tourists abroad than any other country.  With its borders open again, there are questions about how long it will take for China’s tourists to resume their travel and spending – but...

2022 DCA Industry Study Shows Strong Annual Growth More than one-third of respondents report card-linking growth rates up more than 100 percent HERNDON, Va. (Dec. 19, 2022)—The Digital Commerce Alliance (DCA) released 2022 data revealing industry trends related to the card-linking, mobile wallet, and financial data space at the annual DCA Summit held earlier this month. Among the global trade...

2022 DCA Industry Study Shows Strong Annual Growth More than one-third of respondents report card-linking growth rates up more than 100 percent HERNDON, Va. (Dec. 19, 2022)—The Digital Commerce Alliance (DCA) released 2022 data revealing industry trends related to the card-linking, mobile wallet, and financial data space at the annual DCA Summit held earlier this month. Among the global trade...

Imagining what’s possible when machines know everything Recent events (mostly the release of ChatGPT, followed by Microsoft’s investment in OpenAI, its creator) have highlighted the difference between machine learning and deep learning. Machine learning is robotic, often failing to grasp context.  We might think of it like the brain of an ant.  Deep learning is based on artificial neural networks...

By Dan Currell, CEO Digital Commerce Alliance January 17th, 2023 Two veteran investors talk about what they look for, what has changed, and what’s the same. Contact DCA if you’d like to view the interview. Last week, DCA hosted two veteran FinTech investors for a frank conversation about how they think about buying companies – and to get their stories of...