Dateio Platform Blog

Bank customer engagement has become one of the most critical drivers of growth, loyalty, and long-term value. Customers expect more than traditional banking – they look for personalised experiences, intuitive digital tools, and meaningful interactions across every channel.

Walk into any successful retail brand today, and you’ll notice something different – their marketing doesn’t speak at customers; it speaks to them. From tailored offers in your inbox to loyalty rewards that feel hand-picked, the most effective retailers are mastering the art of personalised retail campaigns.

Financial marketing talks a big game about “knowing the customer”, then guesses with stale segments and soft proxies. Transaction data ends the guessing. It shows who bought what, where, how often, and for how much.

You may have heard it: “Loyalty programs are old-school. CLOs are the new frontier.” Funny thing though: that framing misses the whole point. Because loyalty programs and card-linked offers (CLOs) aren’t really competitors. They’re more like two tools in the same toolbox. If used together, they cover what each alone cannot. When you treat them that way, you move from “Which one wins?” to “How do we win together?”

Customers don’t want more messages these days. They want fewer, but relevant nudges. When brands get that right, revenue moves. Multiple studies keep repeating the same thing: people expect personalisation and get annoyed when they don’t see it. Companies that do it well grow faster and convert better..

Loyalty programs have come a long way. Do you still remember the paper cards where you collected stamps for each purchase? Or the mass coupons in newspapers that anyone could use? These tools had one thing in common - they were broad and impersonal.

Merchant offers within banking apps, also known as card-linked offers (CLO), connects the worlds of retail and banking. They enable brands to communicate with customers naturally and in a trusted way. These are not intrusive banners or push ads, but added value inside an environment customers already rely on. The result is higher sales, stronger loyalty, and improved brand perception.

Banks and retailers now use transaction-level insight to make cross-selling both smarter and more human. Instead of generic “you might also like” suggestions, they can anticipate customer needs with near-perfect timing. Of course, both use it in a slightly different way.