This week on Commerce Code we speak with Sam Panzer from Talon.One, which is based in Berlin, Germany. Sam is the Director of Industry Strategy at Talon.One, helping brands assess the business potential of refining their promotions and loyalty approach. We talk with Sam about:

• What the retail and payments spaces look like in Germany - how that's different from other markets like the UK and USA - and what that means for loyalty
• Some of the challenges of different data rules and places where there are opportunities to build out better rewards and offers by being smarter about how to use data