Luke Holmes is a loyalty and payments expert with over a decade of experience driving innovation across financial services, payments and loyalty. As a Loyalty Program Manager at Mastercard, he leads the development of customer-centric solutions, including the award-nominated “Pay with Rewards” program. A 2025 Loyalty Trailblazer recipient at the International Loyalty Awards, Luke is passionate about using data and design to deepen customer engagement and deliver meaningful value at scale.