Michael Hershfield

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technology information & internet customer loyalty loyalty solution branded wallet pay-by-bank option closed loop-credit incentivize budget future purchases refund solution increase aov customer engagement financial technology digital wallet repurchase rate cash flow improvement lower processing fees reward program consumer insights financial tips merchant support chatbot assistance financial wellbeing gamified rewards crowdfund purchases secure payments ach payments customer insights retail partnerships white-label solutions api integrations customer conversion incremental revenue ease of use transaction cost savings saving programs financial products budgeting tools optimized purchase paths saving incentives financial sustainability customer retention cash management payment experience seamless checkout consumer behavior payment integration spending habits brand engagement customer loyalty metrics young consumers financial advice information technology & services finance technology financial services