In this episode of The Payments Podium, the Professor welcomes Tom Burgess from Snipp.com to discuss innovative approaches to navigating interchange fees. The conversation delves into these fees' impact on merchants and organizations and explores potential solutions that can benefit both consumers and financial institutions. Tom shares insights on how targeted advertising through banking apps can enhance user experience and provide financial benefits to consumers, banks, and merchants alike. This engaging discussion covers a range of topics, including electronic banking innovations, the effectiveness of coupons in the banking sector, and the broader implications for community banks and credit unions.