Business View Magazine | March 2018

92 digital.We still do have a physical portion.Whenwe started the business, it was 100 percent physical and over the past couple of years it started shiftingmore towards digital.Digital has an advantage for a cus- tomer wanting to savemoneybecause he or she can instantlybuy something.” BVM: Howdoes that work? Bohm: “If you get the CardCashmobile app,you can be standing in the checkout line in Starbucks,and immediately save 10 percent onyour coffee.You put in that you need,say,$7.82 in Starbucks gift cards.Card- Cash is going to find the closest match that we can get to $7.82-it might be one gift card,it might be two or three gift cards that we’ll be able to combine,and then automaticallypresent one or two or three barcodes on your mobile phone.You showthose barcodes to the baristawho scans it,and your coffee has been paid for. Now,even thoughyou got $7.82 of value,you onlypaid about sixor seven dollars for that.So,you just saved money.So,digital has reallyhelped us pivot from just being a gift cardmarketplace to being a payment wal- let,similar to anApple Pay,but with the added benefit of savingmoney.” BVM: Does that happen often? Bohm: “Oh,yeah.We have manyconsumers who are buying gift cards,mobiley, and getting them delivered almost instantly to their phones.And the time they’re purchasing them is while they’re in the CARDCASH