Richard Char is the Managing Director and Global Head of Digital Networks and Retail Services for Citi Enterprise Payments (CEP) – which, among other things, delivers offers on behalf of third-party merchants. What was an email-based platform transformed to a mobile campaigning platform.

The mobile wallet piece can be used for NFC payments and also can add merchant services on top of that such as couponing, vouchers, and support for retail loyalty programs. CEP develops products based on the Voice of the Customer and....

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