Premium cardholders are paying more for their cards and expecting more in return, but many feel their rewards aren’t keeping up. Adi Soloducho, VP of Product, Corporate and Enterprise Commerce at Hopper Technology Solutions, sits down with JD Durkin at Money 20/20 USA in Las Vegas to unpack what she calls the “loyalty gap” and why travel, not cash back, is how banks can close it. Soloducho explains how the business behind the popular Hopper app now powers travel for banks around the world, including RBC’s Avion Rewards, Canada’s largest proprietary loyalty program, and Nubank’s NuViagens in Latin America and CommBank in Australia. She walks through how card programs are climbing a ladder from airline partnerships to platforms to full ecosystems, why embedded protections like Cancel for Any Reason and Disruption Assistance matter to both banks and travelers, and where loyalty in banking is headed next.