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Most brands still see payments as a cost centre: something to minimise rather than optimise. Caroline Tran from Hello Clever is flipping that mindset. Her approach transforms the payment rail itself into a driver of growth by connecting real-time payments with real-time rewards. “Cashback feels like a gain, whereas discounts feel like a loss.” That simple shift is redefining how merchants view both margin and loyalty.

In Today’s Playbook:

  • How Hello Clever is using real-time payments to power instant cashback and loyalty
  • Why cashback feels like a gain while discounts erode brand value
  • Why Sonia Friedrich says friction is the ultimate conversion killer
  • The key to turning payment rails into marketing assets that grow both margin and trust

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Listen to Caroline’s main episode
Episode #392 with Sonia

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Want to level up your ecommerce game? Come hang out in the Add To Cart Community. We’re talking deep dives, smart events, and real-world inspo for operators who are in it for the long haul.

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