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Data is at the center of personalized experiences, but there is a fine line between tailored experiences and being creepy. With the zeal to reach customers, tech doesn't always watch that line. But we know that understanding your customers and providing services they want is key to differentiating yourself in the e-commerce space. We spoke to Bill Schneider and Julie Cox from SheerID to learn more about creative ways to collect good data, using non-traditional data to rethink credit worthiness, and thinking about financial services as a way to garner customer loyalty.

__Guest:__
Bill Schneider, Head of Product Marketing, SheerID
Julie Cox, VP of Financial Services, SheerID

__Hosts:__
Sanjib Kalita, Editor-in-Chief, Money20/20
Rachel Morrissey, Producer, Money20/20

__Producers:__
Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential
Rachel Morrissey, Producer, Money20/20