Identify opportunity

Use purchase intelligence to eliminate the guesswork and drive results

Real insights from real bank customers

Through our partnerships with banks, we have insight into actual bank transaction data for over 186M consumers.

We see 1 out of every 2 card swipes in the US and analyze this data to develop actionable insights based on a complete understanding of where, when, and how people buy.

Absolutely no personally identifiable information (PII) is passed between Cardlytics and our bank partners—it’s all anonymous.

Our Purchase Intelligence is built on customer transaction data

Where they buy

  • The merchant
  • The industry & category
  • The channel they buy from
  • The store’s location

When they buy

  • The exact time and day
  • How recently
  • How frequently
  • The season

How much they spend

  • The transaction amount
  • The merchant’s share
  • Customer spending patterns
  • Customer loyalty

Identify opportunity through Purchase Intelligence

With powerful AI and dozens of analysts taking a fresh look at where and when customers buy both online and in-store — we answer questions that inform business decisions

Where am I gaining and losing share?
Are my loyal customers really loyal?
Where else do my customers spend?
What’s my real headroom for growth?
How fast are disruptors threatening my category?
What is the true value of Omni customers?

Link insights to actionable marketing strategies

Cardlytics Purchase Intelligence is the foundation of all our campaigns. We use transaction data to reach individuals with highly targeted ads within their banks’ digital channels.

Set a goal, and we’ll deliver compelling offers to your best prospects.

Gain market share
Acquire new customers
Increase loyalty
Drive omni-channel sale

“Because of the strong ROI and precise targeting, Cardlytics stands out from other programs that we’ve used in the past. They ultimately deliver more value than other partners.”

Daniel Lane

Director of Retail Marketing, Clarks

REACH REAL PEOPLE

Create a tipping point to win the next sale

Our native ad platform in banks’ digital channels reaches consumers as they manage where they’ll spend and save. When customers weigh whether to buy from one store or another, relevant, targeted offers can change their purchase decisions.

Learn more about our ad platform

MEASURE RESULTS

Measurable sales eliminate the guesswork

With access to bank transaction data, we close the loop between ad impressions and real world sales. We report the actual impact of campaigns both online and in-store so that marketers can accurately gauge their incremental return.

Learn more about how we measure results

Research & Insights

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Go Go

The ‘golden quarter’ is a critical trading period for grocery retailers. A celebratory time of year, grocers typically get a boost from shoppers socialising more and preparing for Christmas. However, this year has brought a fresh set of challenges as consistently high inflation has put a dampener on consumer confidence and tightened wallets.

With interest rates still high, the cost-of-living crisis has continued to impact purchasing trends. But what does this mean for the grocery market? How will overall grocery sales, and shopper habits, affect grocers Christmas draws ever closer?

Our new grocery spending report is based on spending analysis from over 20 million UK bank accounts, as well as polling of over 2,000 UK adults. It offers insight for retailers as we head into the final stretch of the golden quarter and offers strategies for enhancing customer loyalty at this critical time.

Discount Christmas?

Our research shows that consumers are increasingly turning to discounters and loyalty schemes as they face the ongoing cost-of-living crisis.  In fact, our polling suggests that the average shopper has seen their grocery bills increase by £644 this year.

In response to heightened costs, consumers are seeking discounts: over a quarter have turned to loyalty and reward schemes (28%) and online discount codes (26%), while 22% are browsing price comparison sites and a fifth of consumers are using cashback offers (20%) to manage expenses.

This search for value is also translating to what people are buying and from where. Almost two in five consumers are buying more own-brand supermarket products, and a quarter are switching to cheaper brands and discount chains. As Christmas approaches, 26%plan to cut back on presents, while 22% have curtailed big-ticket purchases.

As we approach Christmas, grocery spend is anticipated to rise as families opt for home-based celebrations, driven by ongoing high living costs.

Harnessing the trend of savvy shoppers, discount grocery retailers have undoubtedly benefited from a reputation for value, as well as a focus on deals and personalised offers. As a result, they’ve grown at a faster rate than the traditional ‘big four’ grocers. Discount grocery stores saw transactions increase by 2% between June and September this year, with consumer spend also increasing by 6%.

The big four supermarkets have seen a 5% increase in spend but a 4% decrease in transactions, signifying a shift to cheaper alternatives.

The run-up to Christmas represents an opportunity for the bigger supermarkets to reverse this movement. But doing so will require them to be smart with the way they market their food and drink. Leveraging the data and insights on customer preferences will be important to entice customers back as they start making bigger ticket purchases for parties and the all-important festive meals with friends and family.

Are you a grocer looking to get customers back through the door this festive period? Cardlytics offers extensive insight and marketing support for retailers, with access to spending data from over 20 million UK bank accounts.

By providing this ‘whole wallet view’ to grocers, you benefit from a deeper understanding of the competitive landscape and implement precise, targeted marketing that delivers tangible results. Heading into the final stretch of the Golden Quarter, we’re helping our customers leverage this data to drive incremental sales growth and retention, as consumers look to find the most value for money with their Christmas spending.

Cardlytics recently took the stage with Lyft at eTail East in Boston, MA to explore how marketers can elevate their approach to growth marketing and stay ahead of data deprecation. 

Within the ever-changing retail and DTC industry, marketing leaders need to be able to demonstrate the impact that their advertising spend is having on revenue generation and corporate strategy.  Kevin Hsu, Director, Growth Marketing at Lyft and Nate Bucholz, Vice President, Advertising Partnerships at Cardlytics discussed how leveraging a data-drive approach to growth marketing drives measurable revenue for the rideshare leader. 

Watch the full video below!

Looking to explore how Cardlytics Purchase Insights can help you engage customers in a one-of-a-kind native ad platform? Get started.

Sleigh this Holiday Shopping Season

The 2023 holiday season is just around the corner, and this year consumers will be headed to their favorite online and in-store brands earlier than ever! 

As we gear up for the 2023 holiday season, Cardlytics' comprehensive analysis of nearly $380 billion in consumer holiday spending over the past three years equips marketers with essential insights to win more during this critical period. Access our full 2023 Holiday Infographic here

Decoding the 2023 Holiday Analysis

Holiday 2022 witnessed a 3% drop compared to the previous year, attributed to reduced spending per customer, fewer transactions per customer, and slower growth in average transaction size. Given the lingering economic challenges from the previous year, brands need inventive strategies to incentivize consumer spending during this holiday season.

Interestingly, a shift in spending behavior has been observed, with holiday spend moving back to brick-and-mortar retailers from online channels. This contrasts with the Back-to-School analysis by Cardlytics, which saw online spending was up for both B&M.coms and online only brands. This shift underscores the significance of an omni-channel approach, ensuring that brands are present where consumers choose to shop, whether in-store or online.

Early Birds and Mass Merchandisers

An intriguing trend emerging from the analysis is the increasing percentage of spending occurring within the initial three weeks of the holiday season year over year. Consumers are diving into their shopping lists earlier and earlier, demanding that brands engage with them during this period.

When it comes to dominating the holiday market share, Mass Merchandisers are the frontrunners, holding a whopping 58% of the total wallet share. As consumers grow more price-conscious, Mass Merchandisers are poised to leverage this shift in consumer behavior to their advantage. The Apparel category is also gaining momentum, presenting an opportunity for brands to bolster their presence and profits.

Unwrap the secret to success with Cardlytics 

Through strategic partnerships with banks, Cardlytics possesses an extraordinary advantage - access to the transaction data of over 186 million consumers. This invaluable resource empowers brands with a detailed understanding of consumer purchasing patterns, offering a holistic view of when, where, and how people shop.

The holiday season is approaching rapidly, and with it comes the opportunity for retail brands to acquire new customers and grow loyalty with existing shoppers. In this competitive landscape, making informed decisions is crucial to stand out from the crowd. That's where Cardlytics comes into play, providing real insights from real bank customers to support retail brands in navigating the complexities of the upcoming holiday season. Get started today.

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