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...

If Points become more fungible, do they still drive consumer engagement? This week I was talking with a new DCA member – Points4Purpose – about setting consumer rewards “free.”  Old-school loyalty programs often issued rewards in a currency akin to Chuck E. Cheese tokens – in a totally closed system.  I mean Mr. Cheese no disrespect: those tokens have been...

Please Welcome Points4Purpose to Digital Commerce Alliance!  Points4Purpose (P4P) leverages the combined power of choice and giving to align your customer’s purpose with that of your business. By supporting worthy causes and participating brands, P4P enables businesses to personalize your offering to consumers and in so doing, grow your bottom line. And we package this all up through a true...

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 powerful data as third-party...

Executive Leaders from companies including Augeo, NBA, VantageScore, TransUnion, Pipl, Triple, Solidus Labs, and Harness FI explored the theme of harnessing the disruption at the DCA Summit – our second hybrid conference of the year. Leading card issuers, financial institutions, retailers, card-linked technology companies, and digital marketing technology innovators came together at the DCA Summit to share key industry insights....

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...

Please Welcome Banyan to Digital Commerce Alliance!  Banyan makes it easy for consumers to connect their receipts to their chosen apps and services. Powered by the Banyan API, merchants can seamlessly and securely monetize these connections while unlocking powerful insights and new marketing opportunities. Banyan provides its merchant partners with complete transparency and control, while their privacy-by-design architecture requires consumer consent...

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...