Banks can finally create rich rewards programs! Merchant incentives are credited to the customer via cash or can be converted as an additional source of earnings for existing rewards programs. Cardlytics works with any transaction card including debit, prepaid or credit. Cardlytics has been developed by bankers to meet the unique demands of banking. Cardlytics rigorously manages all regulatory, privacy, and security guidelines while enabling banks to provide their customers with compelling offers. Banks can quickly deploy Cardlytics as a zero onetime cost with minimal resources and no capital investment required. FI Introductory Video

The credit card industry is a mature, highly competitive industry faced with significant market and economic challenges. Cardlytics provides a powerful way for credit card issuers to strengthen relationships with their current customers and to improve their ability to attract new customers by relying on economics outside of banking system. Cardlytics brings targeted offers to the online statement of credit card customers. Because of our precise targeting and reporting, merchants are willing to extend rich offers based on how a customers shops. Our solution is tailored specifically to the needs of credit portfolios including:

Support of multiple rewards currencies Miles, points or cash back? Cardlytics supports them all and let's you personalize the reward type and exchange rate by currency.

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Support of multiple rewards currencies Miles, points or cash back? Cardlytics supports them all and lets you personalize reward type and exchange rate by currency. Merchant category exclusion Provide exclusive access to customers for co-brand partners while providing rich rewards from non-competitive categories. Multi-channel support In addition to the online statement, we can send your highly targeted offers to statements, email newsletters and mobile. Quick and easy integration We are bankers and know it is virtually impossible to get new projects through the IT pipeline. Cardlytics' patent-pending integration approach integrates in a totally new way, dramatically reducing the effort by the bank. Plus, we can add additional content for you without incremental IT effort.

Most U.S. consumers use a debit card for the majority of their transactions. Debit has replaced cash and checks and become the dominant way to pay. A bank's relationship with a debit customer is extraordinarily valuable. As your account holders' use their debit card more, they go online more often, attrite less, deposit more and are more receptive to cross-sell offers. However, it is challenging for a bank to encourage and reward debit economics. Interchange is almost half of credit and DDA economics are under pressure. Cardlytics brings new economics into the debit relationship increasing the value of typical debit rewards program by 5 to 10 times. Our solution is uniquely tailored for debit:

Frequent transactions drive highly relevant offers Cardlytics is the only rewards solution that places offers based on each unique consumer transaction - not just purchases with a single purchase or an aggregated view.

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Frequent transactions drive highly relevant offers Cardlytics is the only rewards solution that places offers based on each unique consumer transaction - not just purchases with a single purchase or an aggregated view. Offers are integrated into your online transaction history Debit users go online often to check their balance, verify transactions and plan their spending until the next pay period. That's why we display offers on the transaction page - we meet your customers where they are. No additional pages, no extra effort. Quick and easy integration We are bankers and know it is virtually impossible to get new projects through the IT pipeline. Cardlytics' patent-pending integration approach integrates in a totally new way dramatically reducing the effort by the bank. Plus, we can add additional content for you without incremental IT effort.

Reloadable and non-reloadable open loop prepaid have emerged as important payment solutions in the U.S. economy. Every day, valuable customers are adopting general purpose reloadable prepaid as an alternative to traditional retail banking. Non-reloadable prepaid cards are a mainstream solution for giving gifts, managing allowances or simply not carrying cash. The Cardlytics solution further strengthens the value proposition for these exciting new product categories.

General Purpose Reloadable

While the size of the GPR market continues to climb, issuers continue to wrestle with increasing spend, reducing attrition and developing more attractive fee structures. Cardlytics works closely with prepaid issuers to fundamentally change the value proposition of the prepaid relationship by bringing valuable offers to consumers based on the way they shop. Account holders receive offers via their online pages, email or SMS. The Cardlytics' solution directly addresses the challenges faced by prepaid issuers: (more)

Non-Reloadable

While the non-reloadable general purpose prepaid market continues to grow, products are increasingly undifferentiated and margins are thinning. Cardlytics brings powerful new capabilities to the arena: (more)

Increased usage Cardlytics brings highly relevant and valuable offers to GPR cardholders based on how the customer shops. The more customers transact, the more offers they get. Eliminate monthly fees By taking advantage of Cardlytics' offers, GPR customers earn cash back rewards. We can apply the rewards to eliminate fees first and then provide additional funds to the cardholder's account. Reduce attrition Stimulating card usage and eliminating fees directly address two of the key factors behind GPR attrition. However, Cardlytics doesn't stop there. We can allocate a portion of rewards to a periodic bonus (e.g., every six months) to further encourage cardholders to maintain their account. Increased online usage Customers have a significant incentive to go online and view all of the offers available to them. This increases your ability to interact with customers and shifts them away from higher cost points of contact.

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Money saving offers increase buying power Customers save money from leading retailers on the stuff they buy everyday. Establish a relationship with a customer across cards Customers register their card online to take advantage of offers. Given that most non-reloadable prepaid cardholders use many cards per year, this establishes a way to connect with the customer and increases the likelihood they will prefer your card vs. another. We can even apply rewards from one card to the next further securing the customer relationship. Co-branding The Cardlytics system has rich co-branding capabilities. Issuers can offer their retail partners a new way to reach customers with a personalized online look and feel.

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