Executive Leaders from companies including Mastercard, Cartera – A Rakuten Company, Cardlytics, VantageScore, Valuedynamx, Banyan, vPromos and Bloom Credit explored the theme of innovating to elevate consumer engagement in 2024 at the DCA Summit – our final live conference of 2023. Leading card issuers, financial institutions, retailers, card-linked technology companies, and digital marketing technology innovators came together at the DCA...

Before I dive in, we would love to get your response to the DCA Industry Survey – just click here.  It’s open to anyone in digital commerce, takes about ten minutes, and you’ll get a copy of the final study in December.  Thanks! ** In September, the Digital Commerce Alliance gathered 19 digital commerce leaders at TransUnion’s headquarters for a...

I follow developments in digital commerce, of course, many of which involve Digital Commerce Alliance members. I saw some data recently about innovation diffusion – which made me think about record stores.  Well – CD stores, anyway. CD sales peaked in 2000 – record labels sold almost a billion of the shiny little things that year. After that, MP3s came...

We keep hearing about “data clean rooms.”  What are they?  One of our themes this year is how DCA members are moving fast to adapt to a changing data environment.  Third-party cookies are going away while regulatory and other constraints change the landscape for how data is managed.  Yet consumers still demand tailored offers in a low-friction user experience.  This...

[image_with_animation image_url=”25543″ image_size=”full” animation_type=”entrance” animation=”Fade In” hover_animation=”none” alignment=”” border_radius=”none” box_shadow=”none” image_loading=”default” max_width=”100%” max_width_mobile=”default”] DCA members are learning from each other how to source and responsibly use new data types Rakuten and Banyan – both DCA members – were recently featured in a PYMNTS interview to discuss the power and promise of new data sources.  Erin Warren, a DCA board member...

Executive Leaders from companies including Discover, TransUnion, VantageScore, Collinson Valuedynamx & Pentadata explored data personalization, transparency, security & interoperability at the Financial Data Forum. Leading card issuers, financial institutions, card-linked technology companies and digital marketing technology innovators came together at the Financial Data Forum to share key industry insights. Top companies in attendance included Bank of America, Discover, Rakuten, TransUnion, FIS,...

Emerging best practices challenge status quo. Listen in and learn. When it comes to data personalization, transparency, security, and interoperability, it pays to stay on top of the latest consumer data financial data best practices, including: Letting consumers opt-in before their data is shared. Giving them the ability to pause participation in subscription-based loyalty programs when the need arises. Enabling...

Bank of America Cuts Overdraft Fees  Bank of America will reduce overdraft fees from $35 to $10. The move by DCA member BOA was made to provide relief to customers least able to afford overdraft fees. BOA, the second-largest bank in the US, also announced it would eliminate nonsufficient-funds fees next month and transfer fees for overdraft protection in May....

Cryptocurrency Lenders To Check Credit Reports  Consumers are now able to provide blockchain companies access to their personal credit scores through the security firm Spring Labs. Specifically, DCA members TransUnion and VantageScore will provide scores to allow cryptocurrency investors to borrow based on their creditworthiness. DCA Insight: This move opens up new opportunities for consumers. The ability for lenders to...

2021 Digital Commerce Annual Industry Study Released The Digital Commerce Alliance today released its annual industry study of members from around the world. This is the 6th year DCA has published key findings revealed by respondents from merchant, banking, payments, data, fintech, and card-linking organizations. DCA Insight: Card-linking programs top the list of digital marketing tools leveraged by respondents, surpassing...

2021 Top 20 Women in Digital Commerce  The Digital Commerce Alliance (DCA) is pleased to announce this year’s list of the Top 20 Women in Digital Commerce. These exceptional executives are being recognized for outstanding leadership and achievement in our industry. As a membership organization advancing innovative approaches in digital commerce—retailing, fintech, digital advertising, mobile payments, banking, card-linked offers, and...

FIS Integrates APIs with Pentadata In its third major announcement in as many weeks, DCA member company Pentadata Inc. announced it has signed a deal with DCA member FIS to integrate its APIs. Pentadata, which leads the industry with the first fully secured API-based financial data platform, has integrated its secure APIs with FIS, one of the largest payments processing technology companies in...