credit cards

Why AI commoditizes publisher content; credit cards are incorporating brand deals at the expense of exclusivity; and McDonald’s launches a media network.

Credit card loyalty programs are table stakes for banks – nearly every bank has one. Points often accumulate unused and consumers sometimes forget they’re even there. But HSBC uses data and artificial intelligence to personalize its offers and make its program more redeeming. “There are so many choices in the credit card market, so we really […]

As part of Microsoft’s entry into the world of online “offers” with a product known as Bing Offers, Microsoft recently announced a new enhancement called “Bing Offers Card-Linked” (see the Microsoft blog post). The product brings together transaction processors such as First Data with payment networks like MasterCard to address consumer audiences with offers fueled by […]