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The Future of Credit Card Rewards & Loyalty Programs: Will They Survive and How?
The Future of Credit Card Rewards & Loyalty Programs: Will They Survive and How?
Almost three quarters (71%) of Americans have a credit card that offers rewards, and of those nearly half choose their cards based upon the rewards of that card. These rewards can take various forms, such as cash back or travel points. With rewards having such a large impact on the payment card landscape, it is not surprising that the future of reward programs is one of the top topics of interest of NYPAY members.
Join NYPAY and Fintech Connector for an insightful discussion on the evolving landscape of credit card rewards and loyalty programs. Industry experts will analyze the factors contributing to the possible decline of these programs and provide an in-depth look at current challenges. This session will cover:
* key current and future trends
* consumer behavior shifts
* regulatory impacts on interchange
* the cost of programs to financial institutions
Attendees will get a comprehensive understanding of where the industry stands today.
Agenda
August 20th, 2024
6:00 pm
Welcome
6:05 pm
Discussion Starts
7:00 Pm
Discussion Ends & Zoom Networking Session Begins
7:30 pm
Event Ends
Speakers
Meet Our Speakers
Alex Preece
Tillo
Alex Preece is the Co-Founder and CEO of Tillo, a global gift card network and API designed to simplify engagement and drive growth for brands and buyers. Previously, Alex served in the British Army, and also started the UK’s first daily deal business, which was later sold to Moneysupermarket.com, the world’s largest comparison website. Tillo operates in 36 countries and across 16 currencies, and having processed over $3.7 billion in gift cards to date, Tillo is now a leading innovator in digital rewards and incentives globally.
Michelle Beyo
FINAVATOR
Michelle Beyo is the CEO and Founder of Finavator an award winning payments and future of finance consultancy. Michelle brings 20+ years of expertise from across multiple industries including Payments, Loyalty, Telco, Digital Identity and Open Data. Her leadership has helped drive innovation in both retail and payments sectors, fostering strategic growth for numerous North American companies.
She is recognized as a global thought leader as was TedX speaker and has spoken on stages worldwide, includingMoney20/20, Fintech Meet Up and Open Banking Expo with a passion to ignite discussions on the future of finance. She is a Money20/20 RiseUp alumni and mentor as well as serves as an Advisory Board Member to Tillo Rewards as well as VoPay. She is a Board Member and the President at Open Finance Network Canada OFNC, championing data rights, transparency, and security in the financial landscape. She is also the creator and instructor for Finavator’s Future of Finance Master Class
https://www.
Michelle was named one of the “Top 50 Women Leaders of Toronto” in 2023, as well as WXN CEDI (Canadian Equity, Diversity, and Inclusion) 2022 Award Winner and received a spot on the “Women in Fintech Global Power List” in 2021. Michelle is also a contributing author to the USA best seller “Habits of Success” by Leaders Press.
Nick Ewen
The Points Guy
As senior editorial director at The Points Guy, Nick Ewen is obsessed with making the most of credit cards and loyalty programs to travel more for less — and is committed to helping readers do the same. He has leveraged points and miles to visit more than 50 countries and all 50 states for little to no out-of-pocket cost, and he’s constantly searching for new ways to maximize his travel (especially through his 23 open, active credit cards).
Nick has been earning rewards for more than two decades and started writing for TPG in 2012 before joining as a full-time editorial team member in 2018. His expertise is regularly featured in a variety of print and video outlets, including Good Morning America, The Weather Channel, Wake Up with Cheddar, ABC News Tonight, The New York Times, and AARP The Magazine.
Matthew Goldman
Totavi
Matthew is the founder of Totavi and lifelong serial entrepreneur. He has started five businesses, raised more than $30MM in capital from leading investors, and successfully participated as a founder or executive in four exits worth more than $1.6 billion. Matthew is “OG when it comes to payments / embedded finance.” He started his payments journey in 2006 as a product manager at Green Dot, working with issuers such as Citibank, Synchrony, and Synovus and retailers like Walmart, Walgreens, and Kroger.
In 2012, Matthew founded Wallaby Financial, which developed an intelligent algorithm and apps for consumer card selection, routing, and recommendations and was backed by FF Angel (Founders Fund) and Mucker Capital. Bankrate acquired Wallaby in 2014 and named Matthew to SVP and Chief Product Officer for its cards division. In 2019, Matthew founded Vertical Finance with return investor Mucker Capital. Apto Payments acquired Vertical Finance in 2021, ultimately naming Matthew President and Chief Product Officer. After leading a sale of Apto Payments to Qenta in 2023, he started Totavi in Spring 2023.
Matthew’s vast fintech experience comes from a strong technical background, bolstered by his formal education in economics. Matthew boasts an unparalleled network in fintech and helps his clients to accelerate their development and see around corners, saving time and money and increasing growth and speed.
Since 2020, Matthew has published CardsFTW, the definitive newsletter for cards. He is frequently quoted in major media such as The Wall Street Journal, Fortune, and NerdWallet. He is also known for his open source credit card financial model.
Nate Bacon
PNC Bank
Nate Bacon is an innovative leader in financial services and currently serves as head of Consumer and Small Business Credit Cards at The PNC Financial Services Group. He is a forward-thinking customer-centric leader with years of experience
driving portfolio growth and customer loyalty while managing credit and fraud risk.
In his role, Nate oversees a range of responsibilities within the Credit Card division, including driving customer growth across digital, branch, and direct marketing channels, optimizing portfolio performance through enhanced communication and
engagement strategies while controlling expenses, revitalizing the Credit Card products to better meet the needs of today’s customer, modernizing technology platforms to enable risk management, sales expansion, personalization, and customer
experience, and leveraging modern tools and approaches to control credit and fraud risk while optimizing returns.
Before joining PNC in 2023, Nate held the position of Head of Credit Card at Citizens Bank, where he effectively grew the portfolio over 40% while enhancing the customer experience and optimizing returns.
Nate’s career also includes leadership roles at Bank of America and MBNA. Nate received a bachelor’s degree in business administration from Boston University.
This Event is Free
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